Mortgage options for Florida buyers, homeowners and investors.

Start with the property and intended use

Florida financing can differ substantially between a primary residence, second home, long-term rental and short-term rental. The property type, occupancy, association, insurance, income documentation and transaction purpose all affect which programs may be evaluated.

Condominium and coastal-property review

For condominiums, lenders may review the project's financial condition, insurance, assessments, structural or milestone information, commercial space, litigation and owner-occupancy characteristics. Flood, wind and other insurance requirements can also materially affect the qualifying payment and closing timeline.

Common Florida financing paths

• Conventional purchase and refinance loans
• Jumbo financing for higher-value properties
• Self-employed and alternative-documentation options
• Investment-property and DSCR financing
• Non-warrantable condo and condotel considerations

Confirm licensing and program availability

Straight Deal Mortgage conducts mortgage activity only when the company and assigned mortgage loan originator hold the required authority. Program, property and geographic eligibility vary, so the first step is confirming the specific Florida scenario.