Florida Mortgage Blog
Expert guides on FHA, VA, USDA, DPA, rates & investing — written by our licensed Florida mortgage broker team.
Florida Mortgage Rates: July 20, 2026 Weekly Market Update
Florida mortgage rates this week: the 30-year fixed sits at around 6.55% as of July 16. Here's what moved rates and what it means for buyers and refinancers.
FHA vs. Conventional in Florida: Which Loan Wins in 2026?
Side-by-side cost breakdown on a $400K Florida home — FHA vs Conventional including MIP, PMI, and total interest over 10 years. Which loan wins in 2026?
VA Loan Benefits for Florida Veterans: $0 Down & No PMI
VA loan benefits for Florida veterans: zero down payment, no PMI ever. The most powerful purchase loan in the 2026 market for those who served.
USDA Loan Eligible Areas in Florida: St. Lucie & Highlands County Guide
USDA loan eligible areas Florida: large portions of St. Lucie and Highlands County qualify for $0 down. Here's the 2026 eligibility breakdown.
South Florida Mortgage Rate Outlook — May 2026
South Florida mortgage rates 2026: averaged 6.75–7.00% in May. Where rates are heading and the best strategy for Florida buyers right now.
First-Time Home Buyer Guide: Palm Beach County, FL (2026)
Programs, grants, and step-by-step guidance for first-time home buyers in Palm Beach County — from pre-approval to closing table in 2026.
Should I Refinance My Florida Mortgage in 2026?
Should you refinance your Florida mortgage in 2026? Here's the break-even calculation plus a look at FHA Streamline and VA IRRRL fast-track options.
How DSCR Loans Work in Florida — Guide for Rental Investors
How DSCR loans work in Florida: qualify on rental income alone — no W2s or tax returns. The full 2026 breakdown for rental property investors.
What Is an LLPA? How Loan-Level Pricing Adjustments Affect Your Florida Mortgage Rate
Loan-level pricing adjustments (LLPAs) are hidden Fannie Mae fees that can add 0.25–1.5% to your Florida mortgage rate based on credit score and LTV.
Earnest Money Deposit vs. Good Faith Deposit in Florida — What's the Difference?
Florida buyers often confuse earnest money deposit with good faith deposits. One is refundable under the right conditions; one typically isn't.
Questions about any of these topics? Our Florida loan officers are here.