Local mortgage expertise across Florida.
From the Gulf Coast to the Panhandle — second homes, primary residences, vacation rentals, and investment properties. Licensed and active in Florida.
Second Homes & Snowbirds
We specialize in financing Florida second homes for buyers from Colorado and beyond — jumbo, conventional, and portfolio options.
Primary Residences
Whether you're relocating, retiring, or buying your first Florida home — conventional, FHA, VA, and USDA loans with full local expertise.
Investment & STR Loans
DSCR loans for short-term rentals, vacation properties, and long-term investments across Florida's strongest rental markets.
Southwest Florida
Naples
Median home price: $795K
Naples is one of Florida's premier luxury and second-home markets, with strong demand from retirees and snowbirds.
View mortgage guideCape Coral
Median home price: $385K
Cape Coral is a top market for waterfront homes, second homes, and short-term rental investors.
View mortgage guideFort Myers
Median home price: $365K
Fort Myers combines affordability with strong appreciation — popular with retirees, investors, and snowbirds.
View mortgage guideGulf Coast
Sarasota
Median home price: $525K
Sarasota offers Gulf Coast lifestyle with a strong year-round market driven by retirees and remote workers.
View mortgage guideTampa
Median home price: $415K
Tampa is one of Florida's fastest-growing metros with strong job growth, investor activity, and first-time buyer demand.
View mortgage guideFlorida Panhandle
Destin
Median home price: $685K
Destin is a top Emerald Coast vacation market — beachfront second homes and STR investments dominate.
View mortgage guidePensacola
Median home price: $295K
Pensacola is one of Florida's most affordable coastal markets with strong VA and first-time buyer activity.
View mortgage guideBuying a Florida home from out of state?
We specialize in helping Colorado buyers (and snowbirds nationwide) finance Florida second homes, retirement homes, and investments — fully remote, start to finish.
Florida mortgage resources
Florida mortgage FAQs
Do you lend across all of Florida?+
Yes — we're licensed statewide. We close loans daily from the Panhandle (Destin, 30A) through Naples, Sarasota, Tampa, Orlando, the Treasure Coast, Miami-Dade, and the Keys.
What are the 2026 Florida loan limits?+
Most Florida counties use the national baseline conforming limit of $832,750 and the FHA floor of $524,225. Miami-Dade and Monroe (Keys) have higher FHA limits. See our Miami-Dade County loan limits page for the full breakdown.
Can I get a Florida mortgage if I live in Colorado?+
Absolutely. We close fully remote — e-sign, mobile notary at closing, and digital appraisal coordination. Most of our snowbird clients never set foot in our office.
How does Florida homeowners insurance affect my pre-approval?+
Florida insurance can be 2–4× higher than other states, especially coastal. We collect a real insurance quote during pre-approval (not an estimate) so your DTI and payment numbers are accurate before you write an offer.
Are condos harder to finance in Florida?+
Some are. Many Florida condos require warrantability review (HOA reserves, owner-occupancy ratio, litigation). We pre-screen buildings before you write an offer to avoid last-minute denials.
Can I use a DSCR loan for a Florida short-term rental?+
Yes — we close DSCR vacation rental loans in Destin, 30A, Orlando, and Cape Coral every month. Qualifying is based on rental income, not your W-2.