Every home starts with roots.
Fig Tree Mortgage Group helps you plant them - clear guidance, honest pricing, and a loan officer who actually picks up the phone, from your first purchase to your next investment property.
Wherever you are on the path to home, there's a branch for it.
Buying, refinancing, or investing - each one grows from the same relationship: a loan officer who knows your file!
Purchase Loans
Financing built around the home you're actually buying - not a one-size rate sheet.
- Conventional FIXED / ARM
- FHA Loan LOW DOWN
- VA Loan 0% DOWN
- USDA Loan RURAL
- Jumbo Loan HIGH BALANCE
- Down Payment Assistance DPA
Refinance Loans
Lower your rate, shorten your term, or put your equity to work - with no surprises at closing.
- Rate-and-Term Refi LOWER RATE
- Cash-Out Refinance USE EQUITY
- VA IRRRL STREAMLINE
- FHA Streamline STREAMLINE
Investment Property Loans
Grow your portfolio with financing that qualifies on the numbers that make sense for you.
- Conventional Investment PERSONAL INCOME
- DSCR Loan RENTAL INCOME
- Multi-Unit Financing 2-4 UNITS
Lending that grows slower, on purpose.
A fig tree takes years before it bears fruit, and what it gives is worth the wait. We lend the same way: patient, deliberate, built to last, not rushed.
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01
A name, not a queue
One dedicated loan officer works your file start to finish - no handoffs, no re-explaining your story.
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02
Pricing you can see
Straight talk, no surprises. What we tell you upfront is what you'll see at closing.
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03
Clear timelines
You'll know where your loan stands at every stage - never guessing, never chasing an update.
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04
Programs that fit
Purchase, refinance, or investment - matched to your actual finances, not a generic checklist.
From first conversation to keys in hand.
The same four stages, every time - no matter which branch brought you here.
Plant the Seed
Tell us your goals. We pull the right programs and give you real numbers, not placeholders.
Take Root
We verify your file early and stay locked in with you, so nothing shifts under you mid-process.
Grow
Underwriting and approval happen with you kept in the loop - not left wondering.
Bear Fruit
You close, and the next chapter - home, refinance, or investment - starts.
What it's like to work with Fig Tree.
We closed on our first home in Ocala without the runaround. Our loan officer answered every call and explained the numbers in plain English.
The rate-and-term refinance saved us real money each month. Clear timeline, no surprise fees, and we always knew the next step.
They walked us through a DSCR option for our second rental. Fast answers, solid underwriting guidance, and a smooth close.
Answers, before you have to ask.
What credit score do I need to qualify?+
It depends on the program. Conventional loans typically look for a higher score than FHA or VA financing, and DSCR loans weigh the property's cash flow more heavily than your personal credit. Tell us your situation and we'll point you to the program that fits.
How much down payment do I need?+
Anywhere from 0% (VA, USDA) to 20%+ depending on the loan type and property. Investment properties generally require more down than owner-occupied purchases. We'll walk through the real number for your scenario.
How long does closing typically take?+
Most purchase and refinance loans close in about 30 days from application, assuming documentation comes in promptly. We'll give you a specific timeline once we understand your file.
Can I get pre-approved before I start house hunting?+
Yes - a pre-approval typically takes 24 hours and gives you a clear budget and a stronger offer when you find the right home.
What's the difference between a DSCR loan and a conventional investment loan?+
A conventional investment loan qualifies based on your personal income, like a standard mortgage. A DSCR loan qualifies based on the property's rental income instead, which can help investors who don't want their personal income tested.
Ready to put down roots?
Start your application in minutes, or talk it through with a loan officer first - either way, we'll meet you where you are.