Home Loans Florida
Florida home loans built around who you are — first-time buyers, teachers, single moms, first responders, and more. Find the program that fits, then get matched with a licensed FL mortgage broker.
The Right Florida Home Loan Starts With Your Situation
There is no single best mortgage. A first-time buyer with a thin file needs a different plan than a nurse who qualifies for Hometown Heroes or a single mom buying on one income. So we organize Florida home loans by who you are, not just by loan type.
Most buyers on this page end up combining two things: a first mortgage (usually FHA or conventional) and some form of help with the down payment. Florida runs that help through the Florida Housing Finance Corporation, including the Hometown Heroes program. Lining both up early changes what you can actually afford.
Pick the path below that sounds like you. Each page walks through eligibility, the numbers, and the catches worth knowing before you apply. Not sure which one fits? Call us and we'll figure it out in a few minutes.
Browse Home Loan Programs
Low down payment options, FHA, and assistance programs built for buyers purchasing their first Florida home.
Up to $35,000 in down payment help for teachers, nurses, law enforcement, military, and other eligible workers.
Single-income qualifying strategies, assistance programs, and FHA paths for single moms buying in Florida.
Programs and lender credits for police, firefighters, EMTs, and paramedics buying a Florida home.
Hometown Heroes eligibility and educator-friendly financing for Florida teachers and school staff.
ITIN options, bilingual guidance, and credit-building paths for Florida's Hispanic homebuyers.
How lease-to-own works in Florida and how to transition from renting into a mortgage you own.
Find Your Florida Home Loan
Tell us your situation and we'll match you to the right program · Licensed FL mortgage broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.