Local expertise, statewide reach
Florida is not one housing market. It is dozens. Financing a beachfront condo in the Keys is a different exercise from a horse property in Marion County, a vacation rental near Disney, or a first home in Tampa. As a mortgage broker licensed across Florida, we shop your scenario across many wholesale lenders and match it to your specific corner of the state, rather than fitting you into one bank’s menu. Coastal and luxury markets call for jumbo and private-client financing; rural counties open USDA eligibility; military communities put VA front and center; and Florida’s enormous vacation-rental economy is built for DSCR investor lending.
What’s different about financing in Florida
Four things shape Florida files that barely register elsewhere.
Insurance comes first: windstorm and flood coverage are real monthly line items on coastal property, they flow straight into escrow and debt-to-income, and lenders require flood insurance in mapped zones. Our guide to Florida homeowners insurance and your mortgage covers how to shop it early.
Condo review is second: since the post-Surfside safety laws, lenders read milestone inspections and reserve studies alongside your file, and the same borrower can be approved in one building and declined next door. The Florida condo buyer’s guide and our SB 4-D financing explainer break it down.
Property taxes are third: Florida’s homestead exemption and assessment caps mean a seller’s tax bill is not a preview of yours.
State programs are fourth: when funded, Hometown Heroes puts serious down payment assistance behind eligible Florida workers.
We build all four into the pre-approval, not the closing-week scramble.
Loan programs across Florida
- Conventional loans: solid credit, flexible structures.
- Jumbo loans: high-value and luxury homes, on our sister site JumboLoan.com.
- FHA loans: flexible credit guidelines.
- VA loans: for veterans and service members.
- USDA loans: for eligible rural and suburban areas.
- First-time buyer: your first Florida home, with the state and county assistance that fits.
- DSCR investor loans: qualify on rental cash flow.
- Foreign national mortgages: international buyers.
- Bank statement loans: self-employed and 1099 income.
- Physician loans: residents, fellows, and attendings.
- No doc mortgages: which alternative-documentation program fits.
How we work across the state
We are based in South Florida and close statewide. Applications, disclosures, and document collection run through our AI-assisted application; closings happen at title companies in your county or by mobile notary. Insurance, appraisal, and condo document requests start the day you go under contract, because in Florida those three are what move the closing date.
Featured Florida guides
The guides below cover the questions Florida buyers ask us most.
Florida buyers and investors
Talk to a Florida loan expert
Tell us a little about your plans and where in Florida you are looking. A licensed MLO will reach out with options, with no obligation.
Frequently asked questions
Are you licensed throughout Florida?
Yes. New Century Financial Mortgage, LLC (NMLS #1967971) is licensed as a mortgage broker across Florida and serves all 67 counties. Verify us anytime at NMLS Consumer Access.
Why did my Florida condo loan get declined when I was well qualified?
Because on a condo, the lender underwrites the building too: budget, reserves, insurance, litigation, and post-Surfside inspection status. The fix is usually a different lender or a non-warrantable program, which is exactly what broker access is for.
How much does insurance affect what I can qualify for?
Meaningfully, on coastal property. Wind and flood premiums flow into your escrow and your debt-to-income ratio, so quoting insurance early, not closing week, keeps the pre-approval honest.
What is Hometown Heroes and can I use it?
A Florida down payment assistance program for eligible workers, available when state funding cycles are open. Eligibility depends on occupation, income, and first-time-buyer status. Ask and we will check the current cycle.
How is a Florida mortgage broker paid?
Compensation comes from one side only: lender-paid, reflected in the rate you are offered, or a borrower-paid origination fee you agree to up front. Whichever applies, the dollar amount is printed on your Loan Estimate before anything is binding.
This page is provided for general informational purposes. It is not legal, financial, or tax advice, and it is not a commitment to lend or an offer of any specific rate or term. Program availability, guidelines, and eligibility vary by lender and are subject to change without notice. All loans are subject to credit approval, property review, and applicable law. Equal Housing Opportunity.
