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
Bonita Springs
Median home price: $545,000
Bonita Springs connects Naples to the north and Fort Myers to the south, offering a mix of luxury golf and resort commu…
Top programs: Conventional, Jumbo, DSCR
View mortgage guideBradenton
Median home price: $390,000
Bradenton anchors Manatee County's growing real estate market, just north of Sarasota.
Top programs: Conventional, FHA, DSCR
View mortgage guideCape Coral
Median home price: $385,000
Cape Coral is one of Florida's fastest-growing cities, with an extensive canal system and Gulf access waterfront proper…
Top programs: Conventional, FHA, DSCR
View mortgage guideEstero
Median home price: $490,000
Estero is one of the fastest-growing communities in Southwest Florida, home to Florida Gulf Coast University and anchor…
Top programs: Conventional, Jumbo, FHA
View mortgage guideFort Myers
Median home price: $365,000
Fort Myers combines affordability with strong appreciation — popular with retirees, investors, and snowbirds from the M…
Top programs: Conventional, FHA, DSCR
View mortgage guideFort Myers Beach
Median home price: $685,000
Fort Myers Beach is a high-demand STR market with beachfront inventory, strong Airbnb yields, and active post-hurricane…
Top programs: Conventional, DSCR, Jumbo
View mortgage guideGolden Gate
Median home price: $445,000
Golden Gate is a growing Collier County suburb offering more affordable access to the Naples lifestyle with strong appr…
Top programs: FHA, Conventional, VA
View mortgage guideImmokalee
Median home price: $285,000
Immokalee is a rural agricultural community with strong USDA eligibility — one of Southwest Florida's most affordable e…
Top programs: USDA, FHA, Conventional
View mortgage guideLehigh Acres
Median home price: $345,000
Lehigh Acres is Lee County's most affordable market — strong first-time buyer and USDA demand with rapid suburban growt…
Top programs: FHA, USDA, Conventional
View mortgage guideMarco Island
Median home price: $895,000
Marco Island is the southernmost of Florida's Ten Thousand Islands and Collier County's premier resort market.
Top programs: Jumbo, Conventional, DSCR
View mortgage guideNaples
Median home price: $795,000
Naples is one of Florida's premier luxury and second-home markets, with strong demand from retirees and snowbirds year-…
Top programs: Jumbo, Conventional, DSCR
View mortgage guideSanibel
Median home price: $985,000
Sanibel Island is an exclusive shell-island retreat — luxury second-home and vacation rental market with strict develop…
Top programs: Jumbo, Conventional, DSCR
View mortgage guideSarasota & Gulf Coast
Englewood
Median home price: $445,000
Englewood is a quiet coastal community straddling Sarasota and Charlotte counties — popular with retirees and part-time…
Top programs: FHA, USDA, Conventional
View mortgage guideLakewood Ranch
Median home price: $665,000
Lakewood Ranch is one of the nation's top master-planned communities — premium pricing, high owner-occupancy, and stron…
Top programs: Conventional, Jumbo, FHA
View mortgage guideNorth Port
Median home price: $385,000
North Port is one of Florida's fastest-growing cities — affordable entry point on the Gulf Coast with strong primary-ho…
Top programs: FHA, Conventional, USDA
View mortgage guideSarasota
Median home price: $525,000
Sarasota offers Gulf Coast lifestyle with a robust year-round market driven by retirees, remote workers, and arts-distr…
Top programs: Conventional, Jumbo, DSCR
View mortgage guideVenice
Median home price: $485,000
Venice is a quiet coastal retirement city with strong demand from snowbirds and retirees seeking a walkable Gulf Coast…
Top programs: Conventional, FHA, DSCR
View mortgage guideTampa Bay
Brandon
Median home price: $385,000
Brandon is a major Tampa suburb — high-volume first-time buyer and conventional loan market with affordable starter inv…
Top programs: FHA, Conventional, VA
View mortgage guideClearwater
Median home price: $445,000
Clearwater anchors Pinellas County's beach corridor — popular with snowbirds, vacation rental investors, and coastal pr…
Top programs: Conventional, FHA, DSCR
View mortgage guideDunedin
Median home price: $545,000
Dunedin is a charming coastal city north of Clearwater — high demand from lifestyle buyers and snowbirds, with limited…
Top programs: Conventional, Jumbo, FHA
View mortgage guideLargo
Median home price: $385,000
Largo offers affordable Pinellas County access — strong conventional and FHA demand from buyers priced out of Clearwate…
Top programs: FHA, Conventional, VA
View mortgage guideSt. Petersburg
Median home price: $465,000
St.
Top programs: Conventional, FHA, DSCR
View mortgage guideTampa
Median home price: $415,000
Tampa is one of Florida's fastest-growing metros with strong job growth, active military presence, and broad investor d…
Top programs: VA, Conventional, FHA
View mortgage guideTarpon Springs
Median home price: $445,000
Tarpon Springs is a historic sponge-diving community with coastal character, strong appreciation, and growing buyer dem…
Top programs: Conventional, FHA, USDA
View mortgage guideWesley Chapel
Median home price: $465,000
Wesley Chapel is one of Pasco County's fastest-growing suburbs — popular with young families and remote workers priced…
Top programs: Conventional, FHA, USDA
View mortgage guideZephyrhills
Median home price: $345,000
Zephyrhills offers affordable Pasco County housing with strong USDA eligibility and retirement-community demand.
Top programs: FHA, USDA, Conventional
View mortgage guideCentral Florida
Celebration
Median home price: $465,000
Celebration is a Disney-adjacent master-planned community — premium pricing, restricted STR activity, and strong long-t…
Top programs: Conventional, Jumbo, FHA
View mortgage guideKissimmee
Median home price: $365,000
Kissimmee is one of Florida's top short-term rental markets — proximity to Disney makes it a destination for vacation r…
Top programs: DSCR, FHA, Conventional
View mortgage guideLake Nona
Median home price: $585,000
Lake Nona is a high-tech master-planned community anchored by the Medical City campus — premium pricing and rapid appre…
Top programs: Conventional, Jumbo, FHA
View mortgage guideLakeland
Median home price: $295,000
Lakeland sits between Tampa and Orlando in Polk County, offering more affordable housing than either major metro.
View mortgage guideMelbourne
Median home price: $340,000
Melbourne anchors Brevard County's Space Coast, home to Patrick Space Force Base, Kennedy Space Center, and a rapidly g…
View mortgage guideOrlando
Median home price: $365,000
Orlando is one of the fastest-growing metros in Florida, driven by theme park tourism, aerospace and defense, healthcar…
Top programs: DSCR, Conventional, FHA
View mortgage guidePort St. Lucie
Median home price: $375,000
Port St.
View mortgage guideVero Beach
Median home price: $395,000
Vero Beach is the Treasure Coast's premier affluent market, known for its barrier island beaches, citrus groves, and co…
View mortgage guideWinter Park
Median home price: $685,000
Winter Park is one of Central Florida's most affluent markets — walkable downtown, top schools, and consistent luxury h…
Top programs: Jumbo, Conventional, FHA
View mortgage guideSouth Florida
Aventura
Median home price: $460,000
Aventura sits on the border of Miami-Dade and Broward Counties along the Intracoastal Waterway, known for Aventura Mall…
View mortgage guideBoca Raton
Median home price: $580,000
Boca Raton is one of South Florida's premier affluent communities, home to Florida Atlantic University, significant cor…
Top programs: Jumbo, Conventional, DSCR
View mortgage guideCoral Gables
Median home price: $1,250,000
Coral Gables is Miami-Dade's most prestigious residential community, home to the University of Miami, the Biltmore Hote…
Top programs: Jumbo, Conventional, FHA
View mortgage guideDoral
Median home price: $540,000
Doral is one of Miami-Dade County's fastest-growing cities, home to a large Latin American business community, Trump Na…
View mortgage guideFort Lauderdale
Median home price: $490,000
Fort Lauderdale anchors Broward County's active waterfront and urban real estate market.
Top programs: Conventional, Jumbo, DSCR
View mortgage guideHollywood
Median home price: $495,000
Hollywood offers Broward's most accessible coastal pricing — popular with first-time buyers and investors between Miami…
Top programs: Conventional, FHA, DSCR
View mortgage guideHomestead
Median home price: $385,000
Homestead is Miami-Dade's most affordable market with a strong military presence from Homestead ARB and growing investo…
Top programs: FHA, VA, Conventional
View mortgage guideMiami
Median home price: $625,000
Miami is Florida's international financial capital and one of the most active luxury real estate markets in the country.
Top programs: Jumbo, Conventional, FHA
View mortgage guideMiami Beach
Median home price: $895,000
Miami Beach commands some of the highest prices in Florida — luxury condos, international buyers, and a unique island-m…
Top programs: Jumbo, Conventional, DSCR
View mortgage guidePalm Beach
Median home price: $4,500,000
Palm Beach is among the most exclusive markets in the U.S.
Top programs: Jumbo, Conventional, Non-QM
View mortgage guidePompano Beach
Median home price: $465,000
Pompano Beach is an up-and-coming Broward coastal city with strong STR and investment demand at prices below Fort Laude…
Top programs: Conventional, FHA, DSCR
View mortgage guideWest Palm Beach
Median home price: $440,000
West Palm Beach anchors Palm Beach County's diverse real estate market, ranging from entry-level neighborhoods in the c…
Top programs: Conventional, Jumbo, FHA
View mortgage guideFlorida Keys
Big Pine Key
Median home price: $625,000
Big Pine Key is one of the Florida Keys' most affordable markets — a nature-preserve community with limited development…
Top programs: Conventional, FHA, DSCR
View mortgage guideIslamorada
Median home price: $985,000
Islamorada is a sport-fishing and luxury lifestyle destination in the Upper Keys — limited inventory and strong second-…
Top programs: Jumbo, Conventional, DSCR
View mortgage guideKey West
Median home price: $895,000
Key West commands Florida's highest FHA and conforming limits at $990,150 — a unique island market for vacation and sec…
Top programs: Jumbo, Conventional, DSCR
View mortgage guideMarathon
Median home price: $745,000
Marathon is the residential heart of the Middle Keys — primary homes, retirement properties, and vacation rentals in a…
Top programs: Conventional, Jumbo, FHA
View mortgage guideNortheast Florida
Callahan
Median home price: $295,000
Callahan is a growing Nassau County community with active mortgage demand.
Top programs: Conventional, FHA, VA
View mortgage guideFernandina Beach
Median home price: $685,000
Fernandina Beach is a growing Nassau County community with active mortgage demand.
Top programs: Conventional, FHA, VA
View mortgage guideGainesville
Median home price: $285,000
Gainesville is home to the University of Florida and UF Health, creating a strong academic, healthcare, and research ec…
View mortgage guideJacksonville
Median home price: $315,000
Florida's largest city by area and population, Jacksonville is a major military hub with NAS Jacksonville and Naval Sta…
Top programs: Conventional, FHA, VA
View mortgage guideOcala
Median home price: $260,000
Ocala anchors Marion County's equestrian country and horse farm corridor, one of the top equestrian real estate markets…
View mortgage guideSt. Augustine
Median home price: $430,000
St.
View mortgage guideYulee
Median home price: $385,000
Yulee is a growing Nassau County community with active mortgage demand.
Top programs: Conventional, FHA, VA
View mortgage guideFlorida Panhandle
30A / Santa Rosa Beach
Median home price: $1,050,000
30A is Florida's most sought-after vacation address — ultra-premium STR market with high rental yields and conforming l…
Top programs: DSCR, Jumbo, Conventional
View mortgage guideCrestview
Median home price: $365,000
Crestview is the affordable hub of Okaloosa County — strong VA and USDA demand from military families stationed at area…
Top programs: VA, FHA, USDA
View mortgage guideDeFuniak Springs
Median home price: $285,000
DeFuniak Springs is Walton County's affordable inland hub — strong USDA eligibility and growing demand from buyers pric…
Top programs: USDA, FHA, Conventional
View mortgage guideDestin
Median home price: $685,000
Destin is a top Emerald Coast vacation market — beachfront second homes, STR investments, and a strong high-balance con…
Top programs: DSCR, Conventional, Jumbo
View mortgage guideFort Walton Beach
Median home price: $385,000
Fort Walton Beach is the urban core of the Emerald Coast — military-adjacent with strong VA demand from Eglin and Hurlb…
Top programs: VA, Conventional, FHA
View mortgage guideGulf Breeze
Median home price: $485,000
Gulf Breeze is a tight, desirable Pensacola suburb across the bay — premium pricing for Escambia County and strong coas…
Top programs: Conventional, VA, Jumbo
View mortgage guideLynn Haven
Median home price: $345,000
Lynn Haven is Bay County's most desirable suburb — primary-home demand and steady appreciation in a military-adjacent m…
Top programs: Conventional, FHA, VA
View mortgage guideMilton
Median home price: $325,000
Milton is Santa Rosa County's hub — military-adjacent to NAS Pensacola with USDA eligibility and strong VA loan volume.
Top programs: VA, USDA, FHA
View mortgage guideMiramar Beach
Median home price: $785,000
Miramar Beach is the STR-active gateway to 30A — strong Airbnb yields, second-home demand, and beachfront access withou…
Top programs: DSCR, Conventional, Jumbo
View mortgage guideNiceville
Median home price: $485,000
Niceville is a highly desirable military community adjacent to Eglin AFB — strong VA loan volume and owner-occupancy ra…
Top programs: VA, Conventional, FHA
View mortgage guidePanama City
Median home price: $295,000
Panama City is a military-adjacent city near Tyndall AFB — strong VA demand and affordable pricing for Panhandle primar…
Top programs: VA, FHA, Conventional
View mortgage guidePanama City Beach
Median home price: $485,000
Panama City Beach is a top Panhandle STR market — spring break tourism drives strong rental yields and vacation investm…
Top programs: DSCR, Conventional, FHA
View mortgage guidePensacola
Median home price: $295,000
Pensacola is home to NAS Pensacola — the Cradle of Naval Aviation — along with NAS Whiting Field in nearby Milton and C…
Top programs: VA, FHA, Conventional
View mortgage guideFlorida Counties — 2026 Loan Limits by County
2026 loan limits, program eligibility, and every city we serve — county by county.
Buying 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 $541,287. 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.