Buy a Florida home
A purchase letter that holds in Florida includes occupancy, insurance, and the program that actually clears — not a teaser rate from a national call center.
Tell us occupancy, veteran status, and a price range. Credit and income are pulled with authorization. A letter for an offer includes income, assets, and a realistic insurance range. A conversation without documents is a pre-qualification, and we will label it that way.
Programs used on Florida purchases
- VA and VA one-time construction
- FHA, conventional, USDA, jumbo
- Hometown Heroes when funds and county caps fit
- Non-QM for bank statement, ITIN, foreign national
- Rentals: nationwide DSCR
Down payment and timeline
VA and mapped USDA can be $0 down. FHA is typically 3.5%. Conventional can be 3–5% with PMI or 20% to avoid it. Closing costs, prepaid insurance, and reserves are separate from down payment. Complete files often close in 21–35 days; condos, new construction, insurance, and HOA estoppels add time.