Home financing guidance across the Sunshine State
Florida draws buyers from all over the country — retirees relocating for the climate, remote workers looking for more space, and investors eyeing one of the strongest short-term rental markets in the US. With no state income tax and a diverse range of markets from Miami to Jacksonville, Florida offers opportunities for every type of borrower. Our team connects Florida buyers and investors with mortgage professionals who specialize in this market.
None
State Income Tax
Miami–Fort Lauderdale
Largest Metro
130M+
Annual Visitors
Financing for every type of Florida borrower
Buying a home in Florida
Florida's coastal markets — Miami, Tampa, Naples — are competitive and fast-moving. Inland and northern markets like Orlando, Jacksonville, and Gainesville offer more inventory at lower price points. Whether you're relocating, buying a second home, or purchasing your first property, we connect you with lenders familiar with Florida's unique market dynamics, including condo financing rules and flood zone requirements.
Learn more about buying your first homeRefinancing in Florida
Florida homeowners have strong equity positions after years of appreciation. If you're looking to lower your rate, tap equity for home improvements, or consolidate debt, we'll connect you with refinance specialists who understand Florida's title requirements and can help you navigate the process efficiently.
Explore refinancing optionsInvesting in Florida real estate
Florida is one of the top markets in the country for short-term rentals, particularly in Orlando (near theme parks), Miami Beach, and the Gulf Coast. Long-term rental demand is also strong in Tampa, Jacksonville, and the Space Coast. We connect investors with financing professionals who work with both conventional investment properties and short-term rental portfolios.
Learn more about investor lendingFlorida-specific considerations
Every state has its own rules, costs, and market norms. Here's what matters most when financing a property in Florida.
Insurance costs are significant
Florida's exposure to hurricanes has driven homeowners insurance premiums substantially higher in recent years, particularly in coastal counties. Make sure you get insurance quotes early in the process — it can meaningfully affect your debt-to-income ratio and monthly payment projections.
Condo financing has extra requirements
If you're buying a condo, lenders will require HOA financials and reserve fund documentation (a 'condo questionnaire'). In Florida especially, post-Surfside legislation has tightened these requirements. Not every lender is set up to handle Florida condo deals — we make sure you're connected with one who is.
Flood zones are common
Many Florida properties fall within FEMA flood zones, which can require separate flood insurance policies. Your lender will order a flood certification as part of the loan process. In some zones, flood insurance can add hundreds of dollars per month to your carrying costs.
Florida resources
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Ready to get started in Florida?
Tell us about your situation and we'll connect you with a licensed mortgage professional who knows the Florida market.