Licensed in Florida
Mortgage Broker in Florida
I am licensed in Florida and I shop 175+ lenders on every file. Below is what the Florida market actually looks like right now, and the loans I write here.
I am licensed in Florida and I have been in the mortgage business since 2002. Before that I spent seventeen years inside a bank. I know what a bank's rate has baked into it, because I used to quote it.
Here is what the Florida market looks like right now, and then the loans I write here.
The Florida market right now
The median ZIP code in Florida sits at $344,922, down 0.8% over the last twelve months. Across 924 ZIP codes the cheaper tenth run near $222,360 and the top tenth near $662,743.
| Largest metro | Median value | ZIP codes |
|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach | $497,131 | 181 |
| Tampa-St. Petersburg-Clearwater | $362,639 | 129 |
| Orlando-Kissimmee-Sanford | $386,780 | 90 |
| Jacksonville | $314,510 | 59 |
| North Port-Sarasota-Bradenton | $388,529 | 43 |
Priciest towns in the data: Miami Beach ($6,862,744) · Boca Grande ($2,271,568) · Coral Gables ($1,933,213) · Anna Maria ($1,876,779) · Key Biscayne ($1,702,519).
Figures are Zillow's public home value index as of 2026-08-31. They are market data, not an appraisal of your house and not a quote.
What the loan limit means here
Most of Florida uses the $832,750 one-unit conforming baseline, so standard conforming pricing applies to the majority of purchases.
Loans I write in Florida
- Bank Statement Loans in Florida — Qualify on deposits instead of tax returns
- Self-Employed Mortgages in Florida — Five ways to qualify without clean returns
- DSCR Loans in Florida — Qualify the rental on its rent, not your income
- HELOC in Florida — Reach your equity and keep your first mortgage
- No-Appraisal HELOC in Florida — Online, no appraiser, funds in days
- Cash-Out Refinance in Florida — One new first mortgage, with cash out
- Fix and Flip Loans in Florida — Purchase plus rehab, released in draws
- Reverse Mortgages in Florida — Equity without a required monthly payment, 62+
- VA Loans in Florida — Nothing down, no mortgage insurance
- Home Purchase Loans in Florida — Pre-approval a listing agent will trust
- Zero Down and Down Payment Help in Florida — 100% financing routes that actually exist
- Temporary Rate Buydowns in Florida — A lower rate for two years, paid by someone else
- Manufactured and Barndominium Loans in Florida — Permanent foundation, titled as real property
Why a broker and not the bank
A bank has one shelf. If you do not fit it, you hear no, and nobody tells you that the lender down the street would have said yes. I compare 175+ lenders on every file and show you the options side by side with the APR on each.
If the deal you already have is better, I will tell you that too.
Get a free rate quote.
No application. No credit pull. A written comparison across 175+ lenders, with the APR on each.
Check your own ZIP
The market tool on this site covers 26,268 ZIP codes, including every one in Florida. Put yours in and see values, the twelve-month trend and what it means for your equity.
Zillow Home Value Index, all homes, smoothed and seasonally adjusted. A typical value for the middle of the market, not an appraisal and not a valuation of your home.
Let's look at your numbers
Questions people ask
Are you licensed in Florida?
Yes. I am licensed in 32 states including Florida, under NMLS #487617. You can verify that on NMLS Consumer Access, and the full state list is on my licensing page.
What is the median home value in Florida?
About $344,922 across 924 ZIP codes, down 0.8% over the last twelve months. That figure comes from Zillow's public home value index, as of 2026-08-31.
Do I have to live in Florida to use you?
No. The property has to be in a state I am licensed in. Where you live does not matter, and a lot of my Florida work is for out-of-state investors.
Can you do investment property in Florida?
Yes. DSCR loans qualify the property on its rent rather than your income, they allow an LLC, and there is no cap on how many you own.
Let’s look at your numbers
Fifteen minutes. Your real numbers. No pressure.
Call or text my cell, or book a time. You’ll get a written comparison with real terms and an APR on every option, and if your current deal already wins, I’ll tell you.