Last updated September 3, 2026
Florida Mortgage Company& Real Estate Financing
From Tampa Bay to the Florida Keys, we've helped thousands of families call the Sunshine State home. Whether you're buying your first home, upgrading, or investing, we make Florida mortgages simple.
Toll Free: 1-866-666-2378 (866-666-BEST)
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Florida Mortgage Rates: What Actually Sets Your Number
There is no single Florida mortgage rate. Published averages are a starting point, not a quote — two buyers purchasing the same Tampa or Miami-Dade property on the same day can be quoted meaningfully different rates. Here is what moves your number, and where to price your own file.
Credit score and loan-to-value
Conventional pricing starts around a 620 FICO, FHA can go as low as 580 (or 500 with 10% down), and jumbo generally wants 700+. Higher scores and more equity lower both your rate and your mortgage insurance cost.
Program choice
Conventional, FHA, VA, USDA, jumbo, DSCR, and non-QM loans price differently, and the 2026 conforming limit is $832,750 — crossing that line changes which pricing applies to you.
Insurance and the real payment
Homeowners, windstorm, and flood premiums are escrowed into your payment and count against your debt-to-income ratio. We quote realistic Florida insurance figures up front so your approval reflects the true cost of owning.
Condo, occupancy, points, and lock length
Condo warrantability, second-home and investment occupancy, points versus lender credits, and lock length all carry pricing adjustments. We show these side by side so you can compare true cost, not just the headline rate.
Rate information as of September 3, 2026 and subject to change without notice. Your actual rate depends on credit, loan amount, property type, occupancy, and program. This is not a commitment to lend. All loans subject to credit approval.
Understanding the Florida Housing Market
Florida offers everything from beachfront condos to suburban family homes. Here's what you need to know about buying in the Sunshine State.
Insurance Considerations
Florida's insurance market is unique. We factor in homeowners and flood insurance costs when qualifying you to ensure your total payment fits your budget. We'll help you understand the full picture.
Condo Financing Expertise
Post-Surfside regulations have made condo financing more complex. Our team understands the new requirements and can help you navigate HOA reviews, reserve studies, and approval processes.
No State Income Tax
Florida's lack of state income tax can significantly impact your debt-to-income ratio favorably. This often means you qualify for more home than in other states.
Relocation Specialists
Moving to Florida from out of state? We specialize in helping relocating buyers navigate the purchase process remotely. Many of our clients close without ever visiting our office.
Mortgage Options for Florida Homebuyers
Every Florida borrower is unique. We offer a full range of loan products.
Conventional Loans
Traditional financing with competitive rates for qualified Florida buyers
Compare FHA vs. Conventional in Florida →FHA Loans
Low down payment options ideal for first-time buyers across Florida
Compare FHA vs. Conventional in Florida →VA Loans
Serving our military at MacDill AFB, NAS Jacksonville, and beyond
Jumbo Loans
Financing for luxury homes in Naples, Miami Beach, and Palm Beach
Condo Loans
Specialized financing for Florida's unique condo market
Investment Properties
Financing for vacation rentals and investment properties
Areas We Serve in Florida
Licensed to serve all of Florida. Here are some of the communities we frequently help:
Don't see your city? No problem! We serve all 67 Florida counties including Miami-Dade, Broward, Palm Beach, Hillsborough, Orange, and more.
Frequently Asked Questions About Florida Mortgages
Answers to common questions from Florida homebuyers and investors.
Program terms, loan limits and eligibility figures are current as of August 2026 and subject to change without notice. This is not a commitment to lend; all loans are subject to credit approval.
Ready to Buy or Refinance in Florida?
Get pre-approved in minutes. Our Florida mortgage experts are standing by to help you find the best rate and loan program for your situation.
Toll Free: 1-866-666-2378 (866-666-BEST)
Florida Investor Guides
DSCR Loans in Florida: The 2026 Investor Guide
The improved 2026 insurance environment, top markets like Tampa and Orlando, STR income rules, and what actually moves your DSCR ratio.
Read articleNo Income? No Problem: DSCR Loans in 2026
How investors qualify for rental-property financing on rental income alone - no W-2, no tax returns.
Read articleBonus Depreciation Is Back to 100% (OBBBA 2026)
How permanent 100% bonus depreciation pairs with DSCR financing to shelter income while keeping your portfolio scaling.
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