Our Services


With one of the most diverse and extensive product lines in the industry, we have mortgage products to fit a variety of home financing needs.  From Insurance, Lending, Certified Buyer’s Agents, and Employees Benefits, we have AllWays to help.

To learn which loan options are best suited for your individual situation, schedule a consultation with us today.

  • Little or no down payment required
  • Flexible income, credit and debt guidelines, including non-traditional credit histories
  • Incentives for public employees *1

For homebuyers with the following consideration points:

  • High debt ratios and little savings
  • Non-traditional credit histories
  • Both documented and undocumented inc ome
  • Experienced financial difficulties
  • Qualified public employees *1

FHA Loan (Details)

  • Low down payment requirements
  • Flexible income, debt, and credit requirements to help borrowers qualify
  • Down payment and closing costs may be funded by a gift, grant or secured loan

For homebuyers with the following consideration points:

  • Homebuyers with limited savings
  • Homebuyers with low-to-moderate income

VA Loan (Details)

  • No down payment required in most cases
  • Flexible income, debt, and credit requirements to help borrowers qualify
  • Down payment and closing costs may be funded by a gift, grant or secured loan

For homebuyers with the following consideration points:

  • Qualified veterans, reservists, active-duty service members *2
  • Homebuyers with low-to-moderate income
  • Homebuyers with limited savings

Fixed-Rate Mortgage Loan

Fixed-rate mortgages give you the security of knowing your monthly principal and interest payment will not change.  Florida Home Finance Group provides a variety of fixed-rate products, with loan terms ranging from 10 to 40 years.

  • Predictable payments.  The monthly principal and interest payment is fixed over the life of the loan.
  • Protection from rising interest rates. No matter how high market interest rates go, your mortgage rate remains the same over the life of your loan.

For homebuyers with the following consideration points:

  • Prefer regular payments with no surprises
  • Have limited or fixed incomes
  • Plan to stay in their homes a long time
  • Are buying a home at a time when interest rates are comparatively low

Related Information: Fixed-rate loans backed by government agencies (such as FHA and VA mortgages).


Adjustable-Rate Mortgage

  • Interest rate that is fixed for an initial period, then adjusts periodically based on market conditions
  • Lower initial rate than with a fixed-rate mortgage
  • A variety of fixed-period options ranging from one to ten years

For homebuyers with the following consideration points:

  • People looking to increase their short-term cash flow
  • Buyers who need a larger loan amount than they can qualify for with a fixed-rate mortgage
  • Homebuyers who plan to move or refinance within a few years

1 Qualified public employees include certified, licensed or accredited teachers, healthcare workers, fire fighters, police officers and EMTs.

2 Check with your regional VA office to see if you are eligible.

Have questions about the home purchase process in Long Beach, or want to get started? Give us a call at (562) 437-5585 ext 1 or email us at nicoletas@allwaysfinancial.com to discuss your needs.

Contact Us

We are happy to help you find the right loan. Send us an email today to see how we can help!

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