Florida Mortgage Broker - Home Loans Across the Sunshine State

Why Work With a Florida Mortgage Broker?

A bank offers its own products. A mortgage broker works for you - shopping your loan across dozens of lenders to find the rate and program that actually fits your situation. In a competitive market like Florida, that difference can mean thousands of dollars over the life of your loan.

More Loan Options Than Any Single Bank

When you apply through a single bank, you're limited to that bank's guidelines. As mortgage brokers in Florida, we have access to a wide network of wholesale lenders, which means more loan programs, more flexible qualifying criteria, and more room to find a solution when one lender says no.

Whether you're a first-time buyer in Orlando, a self-employed borrower in Miami, or an investor building a portfolio in Tampa - there's a loan program designed for your scenario. We know where to find it.

Local Knowledge, Statewide Reach

Florida isn't one market. South Florida moves differently from the Panhandle. The Orlando metro has different price dynamics than rural Marion County. Our team understands those nuances - and we're licensed to lend across the entire state, from Jacksonville to Naples.

Faster Pre-Approval Process

Our streamlined pre-qualification takes 5 minutes online. No lengthy paperwork upfront, no hard credit inquiry just to get a number. You'll know where you stand quickly - which matters when you're competing for a home in a fast-moving Florida market.

Loan Programs Available in Florida

Conventional Loans

Conventional loans are the workhorse of the Florida market. With a minimum 620 credit score and as little as 3% down, they're a strong fit for buyers with solid credit who want to avoid FHA mortgage insurance long-term. Loan limits follow FHFA conforming limits, which for 2025 sit at $806,500 for most Florida counties.

FHA Loans

FHA loans are government-backed and designed for buyers who need more flexibility. Minimum 580 credit score qualifies you for 3.5% down; scores between 500-579 may still qualify with 10% down. FHA is popular across Florida, especially for first-time buyers in high-cost metros like Miami and Fort Lauderdale where the lower down payment threshold makes a real difference.

VA Loans

If you've served, you've earned it. VA loans offer zero down payment, no private mortgage insurance, and competitive rates - and Florida has one of the largest active-duty and veteran populations in the country. We're experienced with VA purchase loans, VA cash-out refinances, and VA IRRRLs (streamline refinances).

USDA Loans

USDA loans offer 100% financing - no down payment - for eligible properties in designated rural areas. Florida has more USDA-eligible land than most people realize. Parts of Osceola, Polk, Marion, and Alachua counties include USDA-eligible addresses, making this program a genuine option for buyers outside the major metros. Eligibility is determined by property address, so we run the check for you.

Jumbo Loans

Florida's luxury and waterfront markets - think Naples, Boca Raton, and Palm Beach - regularly see purchase prices well above conforming limits. Our jumbo loan options go beyond the standard limit with competitive rates and flexible underwriting for high-income borrowers, including those with complex income structures.

Investment Property & DSCR Loans

Debt Service Coverage Ratio (DSCR) loans qualify based on the rental income of the property, not your personal tax returns. That makes them ideal for real estate investors who own multiple properties or whose W-2 income doesn't tell the full story. No income verification, no DTI calculation - just the numbers on the property.

Refinancing

Whether you're looking to lower your rate, shorten your term, or pull cash out of equity you've built, we handle refinances across all loan types. With Florida home values remaining strong, many homeowners are sitting on significant equity worth tapping.

Florida First-Time Homebuyer Programs

Florida Hometown Heroes Program

This is one of the most valuable programs available to Florida buyers right now. The Hometown Heroes program provides up to $35,000 (minimum $10,000) in down payment and closing cost assistance - structured as a 0% interest, deferred second mortgage.

Who qualifies?

• Teachers, nurses, firefighters, law enforcement officers, paramedics, and active military or veterans
• Must be purchasing a primary residence (first home only)
• Household income must be at or below 150% of the Area Median Income (AMI) for the county of purchase
• Must use a Florida Housing first mortgage product

The income limits vary by county - for example, the 2025 limit in Duval County runs around $153,750 for a qualifying household. We'll pull the exact figure for your county during pre-qualification.

Florida Housing Down Payment Assistance

Florida Housing offers two complementary programs for buyers who don't qualify for Hometown Heroes:

• Florida Assist: A deferred second mortgage of up to $10,000 at 0% interest, due only when you sell, refinance, or move out. No monthly payment.
• HFA Preferred PLUS: A forgivable second mortgage of 3%-5% of the loan amount, forgiven at 20% per year over five years if you remain in the home.

Both programs pair with Florida Housing's first mortgage products and have income and purchase price limits that vary by county.

USDA Zero-Down Loans in Florida

For buyers purchasing in eligible rural areas, USDA is effectively a zero-down, low-rate alternative to FHA - with no monthly mortgage insurance premium (just an annual fee rolled into the payment). If you're looking at homes in parts of Osceola, Polk, Marion, or Alachua counties, this program deserves a serious look. We verify eligibility by property address at no cost.

Who We Help in Florida

First-Time Buyers

Buying your first home is exciting and overwhelming in equal measure. We walk you through every step - from pre-qualification to closing - and make sure you don't leave money on the table by missing a program you qualify for.

Move-Up Buyers

Selling one home and buying another simultaneously is one of the more complex transactions in real estate. We coordinate the timing and structure the financing so you're not stuck carrying two mortgages longer than necessary.

Real Estate Investors

Florida's rental market is strong, and investors are active from Miami to Jacksonville. We offer DSCR loans, conventional investment property financing, and portfolio loan options for buyers building or expanding a rental portfolio.

Self-Employed Borrowers

Tax returns don't always reflect what a business owner actually earns. We offer bank statement loans and other alternative income documentation programs that let your actual cash flow - not your Schedule C - drive the qualification.

Veterans & Active Military

We understand VA loan entitlement, funding fee exemptions, and the specific documentation military borrowers need. Florida is home to major installations including MacDill AFB, NAS Jacksonville, and Eglin AFB - and we serve those communities directly.

Foreign Nationals & ITIN Borrowers

South Florida - Miami, Fort Lauderdale, Boca Raton, and the surrounding metro - is one of the most internationally diverse real estate markets in the United States. Many buyers don't have a Social Security number but do have an Individual Taxpayer Identification Number (ITIN) and a strong financial profile. We offer ITIN mortgage programs and Foreign National loans that don't require U.S. citizenship or permanent residency. This is a segment where most banks simply won't go - and where working with an experienced mortgage broker FL makes all the difference.

Florida Cities & Areas We Serve

We're licensed to originate loans across the entire state of Florida. Our team actively serves buyers and homeowners in:

• Miami & Miami-Dade County
• Orlando & the greater Central Florida metro
• Tampa & Hillsborough County
• Jacksonville & Duval County
• Fort Lauderdale & Broward County
• Coral Springs - a market where we have deep roots and strong local presence
• Boca Raton & Palm Beach County
• West Palm Beach
• Cape Coral & Lee County
• Naples & Collier County

Don't see your city? Florida mortgage brokers with statewide licensing means we can help you wherever you're buying - from the Panhandle to the Keys.

Meet Our Florida Mortgage Team

Our Florida branch is staffed by licensed loan officers who know this market - its programs, its pace, and its quirks. They've closed loans in competitive bidding situations, navigated condo association financing rules, and helped buyers access programs that most lenders don't even offer.

For full team profiles, licensing information, and direct contact details, visit our Florida branch page.

Florida Mortgage FAQs