Mortgage broker in Melbourne, FL — VA, FHA, and conventional loans on Florida's Space Coast.
Melbourne anchors Brevard County's Space Coast, home to Patrick Space Force Base, Kennedy Space Center, and a rapidly growing aerospace and defense technology sector. The combination of military, federal contractors, and tech workers drives a diverse mortgage market across Brevard County.
Top Loan Programs in Melbourne
VA loans are active due to Patrick SFB. Conventional and FHA serve the broader Space Coast. Strong buyer profile from aerospace/defense employment.
Compare loan options
Side-by-side breakdowns for the programs Melbourne buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
VA Loans Welcome — Melbourne has an active military presence. We close VA loans here regularly — $0 down, no PMI, no county loan limit.
Buying in Melbourne from Out of State?
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Popular Melbourne Neighborhoods
Suntree, Viera, Indialantic, Melbourne Beach, Satellite Beach, Cocoa Beach
Frequently Asked Questions
What are the 2026 loan limits in Brevard County, FL?+
The 2026 conforming loan limit in Brevard County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
What down payment do I need to buy in Melbourne, FL?+
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Can I get a mortgage in Melbourne if I live in Colorado?+
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Does Tayton Capital do DSCR loans in Melbourne?+
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Melbourne with a minimum 20–25% down payment.
Ready to buy in Melbourne?
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Brevard County.
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