Compare FHA loans, VA loans, home equity, and refinance rates from top Florida lenders. Low down payment options available. Get pre-approved in 24 hours with expert guidance — whether you're buying your first home or refinancing.
Comprehensive mortgage solutions tailored to your needs
Help first-time and experienced buyers find the perfect home financing. We offer all major loan types with competitive rates.
Lower your rate or access your home's equity. Our refinancing options help you save money and achieve your financial goals.
Unique situations require custom solutions. We specialize in reverse mortgages, construction loans, and investor programs.
Deep expertise in the Florida mortgage market and local lending landscape.
Access to dozens of lenders so we find the best rates and terms for you.
Streamlined process gets you pre-approved and ready to move in 24 hours.
Our team walks you through every step of the mortgage process with clarity and support.
Traditional 30-year or 15-year fixed-rate mortgages
Low down payment options, flexible credit requirements
100% financing for eligible military members
Rural and suburban properties, zero down payment
Financing above conventional loan limits
Specialized financing for condo purchases
Special programs and down payment assistance
Lower your interest rate and monthly payment
Access your home equity for cash needs
Simplified refinancing for FHA loan holders
Fast VA loan refinancing with reduced documentation
Fixed-rate loans up to 85% LTV
Flexible line of credit against your equity
Convert equity to income for seniors 62+
Financing for new home construction
Short-term financing between home purchase and sale
Investment property financing based on income
Financing solutions for non-US citizens
Find answers to common Florida mortgage questions
Most conventional loans require a minimum credit score of 620, though 680+ gets better rates. FHA loans accept scores as low as 580. We work with lenders across the spectrum, so even if your credit isn't perfect, we can find options for you.
Down payment requirements vary by loan type. Conventional loans typically require 5-20%, while FHA loans accept as little as 3.5%. VA and USDA loans often allow 0% down. We help you find programs that match your financial situation.
FHA loans are government-insured and accept lower credit scores and down payments. Conventional loans typically have stricter requirements but offer better rates for qualified borrowers. Our specialists help you compare both options based on your situation.
If your property is in a flood zone, your lender will require flood insurance as a condition of the mortgage. Even outside high-risk zones, many Florida homeowners carry flood coverage. Your property's flood zone status is determined during the loan process.
Most Florida mortgages close in 30-45 days. Streamlined programs like VA IRRRL can be faster. We work to keep things moving quickly while ensuring all requirements are properly completed. You'll get pre-approval typically within 24 hours of submitting your application.
Standard closing costs typically range from 2-5% of the loan amount and include appraisal, title search, underwriting, and lender fees. Some programs allow sellers to cover costs. We provide a detailed Loan Estimate within 3 days showing all fees.
Get in touch with us today for a free, no-obligation mortgage quote. We'll help you find the best loan for your situation.