Florida Mortgage Blog
Expert guides on FHA, VA, USDA, DPA, rates & investing — written by our licensed Florida mortgage broker team.
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.
How Much House Can I Afford on a $100K Salary in Florida — 2026
On a $100K salary, how much house you can afford in Florida depends on county, debts, and loan program. Here's the full 2026 breakdown by Florida metro.
Questions about any of these topics? Our Florida loan officers are here.