Megan and Ryan are Mortgage Bankers with The Federal Savings Bank, lending in all 50 states, with a real estate brokerage under the same roof.
Ten of the programs Megan and Ryan work with most. Your rate and terms depend on credit, property and program.
3 to 20 percent down, 620 and up credit is typical, mortgage insurance drops off at 80 percent loan to value, fixed and adjustable terms.
3.5 percent down with a 580 score, flexible credit and income rules, for first-time and repeat buyers.
No down payment with full entitlement and no monthly mortgage insurance for eligible veterans, service members and surviving spouses.
No down payment for eligible rural and suburban addresses, with income limits.
Above the conforming limit of $832,750 in most counties for 2026, with higher limits in high-cost counties.
Buy and renovate with one loan: FHA 203(k) and Fannie Mae HomeStyle, one closing.
For self-employed buyers: qualify on 12 or 24 months of bank deposits instead of tax returns.
Qualify on the property's rent, not your W-2. Common for Florida vacation rentals.
For homeowners 62 and up: use your equity with no monthly mortgage payment while you live in the home.
Grants and deferred loans from state, county and city programs in every state we serve.
Federal rules require a Loan Estimate within three business days of a full application.
Megan and Ryan lend in all 50 states through The Federal Savings Bank. List your Massachusetts home and finance your Florida purchase with one team, or keep your own agent anywhere in the country and use Megan and Ryan for the loan only.
Local lending guides: Miami · Fort Lauderdale · Orlando · New Smyrna Beach · Worcester
Daily national averages with charts. Not a rate quote.
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What lenders count and what a Florida payment includes.
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Compare a permanent buydown, a 2-1 buydown and seller credits.
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Nine questions that match you with down payment programs.
OpenPayment with taxes, insurance and dues.
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Rate and term refinance, cash-out, FHA Streamline, VA rate reduction and reverse mortgages, plus when a refinance pays off.
The timing depends on how quickly you send your income, asset and credit documents. After you apply, federal rules require your lender to give you a Loan Estimate within three business days of receiving your application. Apply at https://www.winslowloan.com, and Ryan and Megan review each file personally.
Gather two years of income documents such as W-2s or tax returns, recent pay stubs, two months of bank statements, a photo ID and a list of your debts. Self-employed borrowers and investors need additional documents. Ryan and Megan tell you exactly what your file needs when you apply.
Each loan type sets its own standard, and lenders add their own rules. FHA allows 3.5% down with a 580 score or higher and 10% down with a 500 to 579 score. Florida Housing first-time buyer programs require a 640 score, and the VA sets no minimum score. Ryan and Megan review your credit and options and do not promise approval before they see your full file.
Pre-qualification is a quick estimate based on information you report. Pre-approval means a lender reviews your documents and credit, so sellers take your offer more seriously. Neither one guarantees a final loan approval, which still depends on the appraisal, underwriting and your finances at closing.
FHA requires 3.5% down with a credit score of 580 or higher, or 10% down with a score of 500 to 579. You pay an upfront mortgage insurance premium of 1.75% of the base loan plus an annual premium. The 2026 FHA one unit loan limit in Volusia County is $541,287, and the home must meet FHA appraisal standards.
A VA loan needs no down payment with full entitlement and carries no monthly mortgage insurance. For a first-use purchase, the VA funding fee is 2.15% with less than 5% down, 1.5% with 5% or more down and 1.25% with 10% or more down. You owe no funding fee if you receive VA disability compensation, and Ryan and Megan help you request your Certificate of Eligibility.
Hometown Heroes gives eligible buyers up to 5% of the first mortgage, with a $10,000 minimum and a $35,000 maximum, as a 0% deferred second mortgage. It serves full-time employees of Florida based employers in eligible fields, plus active military and veterans. Funding opens in rounds and has run out quickly before, so get pre-approved before the next round.
Yes. Ryan and Megan are Mortgage Bankers with The Federal Savings Bank, lending in all 50 states, and they hold real estate broker licenses in Florida, Massachusetts, Connecticut and Rhode Island. Apply at https://www.winslowloan.com, and they review each file personally.
Instant answers on programs, payments, towns and homes, any time, in English or Spanish. Ryan and Megan follow up personally.
Estimates from your inputs only. Not a loan offer, rate quote or approval. Ryan and Megan, Mortgage Bankers with The Federal Savings Bank (NMLS #411500), confirm real numbers.
Practical guides from 17 years and over 3,000 closings. Available on Amazon in Kindle, paperback and hardcover.
Megan Winslow, Mortgage Banker, NMLS #2692933. Ryan Winslow, Mortgage Banker, NMLS #2426605. Mortgage Bankers with The Federal Savings Bank, NMLS #411500, lending in all 50 states. Equal Housing Lender. Rates, payments and programs are examples, change daily and depend on credit, property and loan program. This is not a commitment to lend. Verify at NMLS Consumer Access.
Apply online in about 15 minutes, or call or text Megan and Ryan with a question first.
