Callaway FL Mortgage Broker — FHA, VA, DSCR & Non-QM Loans

Dynamic Funding Solutions is a licensed Florida mortgage broker serving Callaway and Bay County homebuyers and investors. Lena Polnet — NMLS #17225, 28+ years in lending — provides FHA, VA, DSCR, bank statement, and conventional loan programs in Northwest Florida. Call (215) 364-7171 or apply at dynamicfunding.net.

Home Loan Programs in Callaway, FL

Callaway is a stable suburban community in Bay County, adjacent to Panama City and within reach of Tyndall AFB — making it a natural landing spot for working families, first-time buyers, and military households. Dynamic Funding Solutions offers FHA loans with 3.5% down for first-time buyers, VA loans with no down payment for veterans and active-duty borrowers, conventional financing for move-up buyers, USDA rural loans for eligible Callaway-area properties, Florida Housing first-time buyer programs with down payment assistance, and bank statement loans for self-employed residents. Every program is matched to the borrower’s income type, credit profile, and purchase price.

FHA and VA Loans for Callaway First-Time Buyers and Military Families

Callaway’s affordability makes it one of Bay County’s most accessible markets for first-time buyers and military families. FHA loans require only 3.5% down with credit scores of 580+. VA loans offer 100% financing with no PMI for eligible veterans and active-duty service members — a critical benefit for households connected to Tyndall AFB during its post-Hurricane Michael rebuild. Florida Housing down payment assistance can be layered with FHA for buyers who qualify. Call (215) 364-7171 to review which program best fits your situation.

Florida Housing Programs for Callaway First-Time Buyers

Florida Housing’s down payment assistance programs offer 3-5% of the purchase price for eligible first-time buyers in Bay County. VA loans are available with no down payment for qualified veterans. USDA rural loan eligibility may apply in select areas of Callaway and surrounding Bay County. Call (215) 364-7171 to check eligibility for your specific property address.

FAQ — Callaway FL Mortgage

Does USDA financing apply to homes in Callaway, FL?

Parts of Callaway and surrounding Bay County communities may be eligible for USDA Rural Development loans, which offer 100% financing with no down payment for qualifying borrowers and properties. Eligibility depends on the specific property address and household income limits. Call (215) 364-7171 to run an eligibility check before making an offer.

What FHA loan limit applies in Bay County for 2025?

The FHA loan limit for Bay County is $524,225 for a single-family home in 2025. This covers most purchase prices in Callaway and surrounding communities. FHA requires 3.5% down for borrowers with 580+ credit and 10% down for scores between 500–579.

Can I combine Florida Housing down payment assistance with an FHA loan in Callaway?

Yes. Florida Housing’s HFA Preferred and HFA Advantage programs pair down payment assistance with FHA, conventional, USDA, or VA first mortgages. Income limits and purchase price caps apply by county. Call (215) 364-7171 to confirm current Bay County limits and whether your income qualifies.