Mortgage Broker
in Florida
From Miami's international buyer corridor and Tampa Bay's growth markets to Orlando's vacation-rental economy and Naples gulf-coast luxury, we help buyers and homeowners across Florida navigate insurance, condo lending, and second-home financing.
Three economies, one state: migration, international buyers, and vacation-rental income.
Florida's housing market doesn't behave like the rest of the country. Migration from higher-tax states keeps demand steady across South Florida, Tampa Bay, and the Orlando metro, while international buyers dominate parts of Miami-Dade and Palm Beach with cash and foreign-national programs. There's no state income tax, which improves debt-to-income on every loan, but property insurance has become a major underwriting variable since 2022.
Tampa Bay has been one of the fastest-growing markets in the country for the last five years, with steady demand pulling north into Wesley Chapel and east into Brandon and Riverview. Orlando's economy is shaped by tourism, healthcare, and the booming short-term-rental segment around Kissimmee, Winter Garden, and the Disney corridor, where DSCR and second-home loans are common.
Coastal Florida adds complexity that inland markets do not face. Hurricane insurance, wind mitigation reports, flood-zone designations, and condo loan approvals (especially post-Surfside reforms) all affect which loan products work for which buildings. Naples, Sarasota, Palm Beach, and the Gulf Coast luxury markets are dominated by jumbo and second-home structures.
Florida markets, organized by region.
We work with borrowers across every Florida market we're licensed in. Find your area below, or reach out if you don't see your city listed.
Miami-Dade, Broward, and Palm Beach. International buyers, condo-heavy inventory, and luxury coastal demand.
One of the fastest-growing metros in the country. Steady demand pulling into the eastern and northern suburbs.
Tourism, healthcare, and a booming short-term-rental segment around the Disney corridor.
Naples, Sarasota, and the Lee County markets. Jumbo, second-home, and luxury coastal lending.
Florida's Atlantic coast from Daytona south. Affordable entry points and military activity around Patrick Space Force Base.
Jacksonville, Tallahassee, and Pensacola. Strong VA activity around NAS Pensacola, Mayport, and NAS Jacksonville.
The right move-up strategy for your Florida situation.
Most Florida homeowners aren't first-time buyers anymore. They're moving up, downsizing into a coastal condo, or buying a second home. We've built dedicated guides for the four most common paths.
A six-step playbook for trading up across South Florida, Tampa Bay, or the Orlando metro. Covers equity tap, contingency mechanics, and how to time the transition without owning two homes.
Read the full guideHow to put a non-contingent offer on your next Florida home using a bridge loan, HELOC, or cash-out refi, without waiting for your current home to close first.
Read the full guideFor risk-averse Florida move-up buyers who want to lock in sale proceeds before shopping. We help you bridge the in-between with rate-locks and rent-back options.
Read the full guideWhen a contingent offer makes sense in Florida, and how to make yours competitive in markets where sellers prefer non-contingent buyers.
Read the full guideLoans most often used in Florida.
Every Florida market has its own lending pattern: jumbo on the Gulf Coast, DSCR around Disney, FHA in the Orlando suburbs, VA along the panhandle. Here's what we see most often.
Flexible fixed-rate financing for buyers with solid credit. The default loan type for most Florida primary-residence purchases.
Learn moreHigher-limit financing for purchases above conforming limits. Common across South Florida, Naples, Sarasota, and Palm Beach.
Learn moreLow down payment and flexible credit guidelines. Useful for first-time buyers in Tampa, Orlando, and Jacksonville suburbs.
Learn moreZero-down financing for service members and Veterans. Heavy demand around NAS Pensacola, Mayport, NAS Jacksonville, and Patrick Space Force Base.
Learn moreQualify based on rental income. Popular for short-term-rental investors near the Disney corridor and Gulf Coast vacation markets.
Learn moreDown payment assistance options and program guidance for first-time Florida buyers entering Tampa, Orlando, or Jacksonville.
Learn moreLocal depth. National lender access.
A national online lender treats every state the same. We don't. Florida has quirks that matter: hurricane insurance underwriting that varies by ZIP code, condo project approvals that have tightened post-Surfside, snowbird and second-home structuring, and DSCR underwriting for STR investors near Disney and the coasts.
Being independent means we shop your loan across our full lender network. You get the rate and structure that actually fits your situation, not the one product a single bank wants to sell.
- Hurricane insurance and wind mitigation: how they shape underwriting and monthly payments
- Condo project approval expertise: navigating warrantable vs. non-warrantable buildings
- Snowbird and second-home structuring across South Florida and the Gulf Coast
- DSCR financing for short-term-rental investors near Disney and coastal vacation markets
- VA loan specialty around NAS Pensacola, Mayport, NAS Jacksonville, and Patrick
- Independent broker, working for you, not a bank
- NMLS #2673152 · Equal Housing Lender
Let's talk through your Florida scenario.
Whether you're buying in Miami, refinancing in Tampa, or shopping a Gulf Coast second home, we'll help you understand your options and pick the right path.