Florida Mortgage Broker
Independent home loans for Florida buyers, snowbirds, and investors — from Tampa to Miami to the Panhandle.
Buying a Florida primary, snowbird condo, or investment rental? I shop a national wholesale lender network for purchase, jumbo, and second-home financing — with hometown service from a broker who actually answers the phone.
Florida loan programs I write
Conforming and high-balance financing for primary, second, and investment properties.
Financing tailored for seasonal Florida residents and out-of-state buyers.
Loans above conforming limits for higher-value homes in Naples, Sarasota, Miami, and beyond.
Rental property financing including DSCR (debt-service-coverage) loans for portfolio investors.
Warrantable and non-warrantable condo loans — including the more demanding Florida condo project reviews.
Lower your rate, drop mortgage insurance, or tap Florida home equity for renovations or other property.
Cities & communities I serve in Florida
- Tampa
- Orlando
- Miami
- Naples
- Sarasota
- Fort Myers
- Jacksonville
- St. Petersburg
- Fort Lauderdale
- West Palm Beach
- Cape Coral
- Destin
Don't see your town? I'm licensed statewide in Florida — call or apply and we'll go from there.
What to know about the Florida market
- Florida condo financing got stricter after recent state legislation — I know which lenders are still actively writing in your building.
- Snowbirds buying a Florida second home need to document the existing primary correctly; I handle this every month.
- Insurance and HOA dues affect your debt-to-income ratio more in Florida than most states — I'll quote a realistic max purchase price up front.
Florida mortgage FAQ
Yes. Condo financing in Florida is more nuanced than most states because of post-Surfside legislation. I work with lenders who actively review Florida condo projects and can move quickly on warrantable buildings.
Often — many of my Florida files are MN, WI, or other northern buyers purchasing a second home. The whole process is electronic and I coordinate closing with a Florida title company.
Yes — I'm licensed in Florida under NMLS# 1996062 through American Mortgage Brokers.
Ready to get a Florida mortgage quote?
One quick application, multiple lenders shopped, one broker advocating for you start to close.