Purchase a Home in Florida
From first-time buyer to move-up homeowner to new construction — we deliver fast pre-approvals, clear numbers, and closings that happen on time. Get pre-approved in 24 to 48 hours.
Built for Florida Homebuyers
Pre-Approved in 24–48 Hours
Verified pre-approval letters delivered fast so you never miss a property.
Every Loan Type Covered
FHA, Conventional, VA, USDA, and Non-QM — matched to your exact scenario.
Closing On Time
Proactive communication with your agent and title company from contract to keys.
Real Numbers From Day One
Transparent loan estimates with clear closing cost breakdowns — no guesswork.
Get Pre-Approved
24–48 hoursComplete our secure online application in under 10 minutes. Within 24 to 48 hours you'll receive verified loan options and a pre-approval letter that makes your offers stand out.
Find Your Home
Your timelineShop with confidence alongside your real estate agent. Your pre-approval letter signals to sellers that you're a serious, ready-to-close buyer — giving your offer real weight.
Make a Strong Offer
We help you structure a competitive offer with the right financing terms. Your pre-approval strength, loan type, and closing timeline all work together to win the deal.
Lock Your Rate
Once you're under contract, we lock in your interest rate and walk you through every number on your loan estimate — no surprises, no hidden fees.
Appraisal & Underwriting
We order the appraisal, submit your file to underwriting, and clear conditions on your behalf. You stay informed at every checkpoint until you're clear to close.
Close & Move In
Sign & get keysSign your closing documents at our Orlando office or remotely, fund the loan with your title company, and collect your keys. Welcome home.
What You'll Need to Get Started
Having these ready speeds up your pre-approval. Don't worry if something is missing — our team walks you through every item.
Start Your Application- Government-issued photo ID & Social Security number
- Most recent 30 days of pay stubs
- W-2s and complete federal tax returns (last 2 years)
- Full bank statements for all accounts (last 2 months)
- Address & estimated value of subject property (if known)
- Purchase contract once you're under contract
Pick the Right Program
Every buyer's situation is different. We match you with the loan that fits — not just the easiest one.
Conventional
3% down for first-time buyers, 5% standard. No PMI at 20% equity.
FHA
3.5% down. Flexible credit. Great for first-time Florida buyers.
VA
$0 down. No monthly PMI. Funding fee exemption for qualifying veterans.
USDA
$0 down in eligible suburban & rural Florida counties. Income limits apply.
Non-QM / DSCR
Investor purchases qualified by rental income or bank statements.
Construction-to-Perm
Finance your lot and build with one streamlined closing.