Florida Home Loans

We are a licensed Florida mortgage broker, which means we shop your file across multiple lenders instead of pushing one bank's product. FHA, VA, conventional, first-time buyer and investment property loans, handled by people who answer the phone.

Call (855) 744-EDGE Get Your Numbers

Compare Your Florida Home Loan Options

The right loan depends on your credit, your down payment, whether you have served in the military, and whether the property will be your home or an investment. Here is how the main programs differ.

Program	Typical down payment	Best suited to
FHA loans	3.5% down	First-time buyers and buyers with less-than-perfect credit. More flexible credit and debt guidelines than conventional.
VA loans	0% down for eligible veterans	Veterans, active duty service members and surviving spouses with VA entitlement. No monthly mortgage insurance.
Conventional loans	Low down payment options available	Buyers with solid credit who want to avoid FHA mortgage insurance, and buyers of second homes.
First-time buyer programs	Varies by program	Buyers who may qualify for Florida down payment assistance and first-time buyer grants.
Investment property loans	Varies by property	Investors buying rentals, including properties that need renovation work.
Refinancing	Not applicable	Existing owners who want a lower payment, a shorter term, or to access equity.

Down payment figures describe the programs themselves, not your specific qualification. Rates change daily, so call and we will price your actual scenario.

Who We Help Across Florida

First-time buyers who are not sure where to start
Move-up buyers in Central Florida
Veterans using VA entitlement

Buyers relocating into Florida from another state
Investors building a rental portfolio
Owners refinancing an existing Florida mortgage

We work with buyers in Orlando, Lake Mary, Sanford, Tampa, Jacksonville and across the state. See all service areas.

How Getting a Florida Home Loan Works

1. Talk through your situation

We start with the numbers that actually matter: income, debts, the funds you have available, and the timeline you are working toward.

2. Get pre-approved

A pre-approval letter tells sellers you are a serious buyer. It also shows you the price range you can shop in before you fall in love with a house.

3. Shop, then close

Once you are under contract we manage the lender, the appraisal and the paperwork, and keep you informed until closing day.

Not sure what you can afford yet? Start with the home affordability calculator or the Florida mortgage calculator.

Florida Home Loan Questions

No. First-time buyer programs are one option among several. Repeat buyers, move-up buyers and investors all have programs that fit them, including conventional, VA and investment property loans.

It depends on the program. FHA loans generally require 3.5% down, VA loans can require nothing down for eligible veterans, and conventional loans have low down payment options for buyers with solid credit. We will tell you exactly what your file needs.

Broker compensation comes from the lender or the borrower depending on how the loan is structured, and it is disclosed to you. Ask us to walk through the numbers on your Loan Estimate.

Ready to talk numbers?

Same-day pre-approval conversations, real answers, no pressure.

Call (855) 744-EDGE