Florida Mortgage Broker
The Mortgage Zone brokers mortgages throughout Florida (NMLS #2697124). For 2026, most Florida counties use the $832,750 conforming baseline, with Monroe County (the Keys) designated high-cost. Florida has no state income tax, and we finance primary homes, second homes, condos, and investment properties statewide.
Purchase, refinance, and investment financing across Florida — one application, 75 wholesale lenders competing for your loan.
Lending in Florida
Florida is one of the most diverse lending markets in the country: primary buyers relocating for the tax climate, second-home purchases along both coasts, deep investor demand, and — in South Florida especially — international buyers. Our non-QM and foreign-national lender relationships get heavy use here.
Condos are a Florida specialty with Florida-sized complications: project budget and reserve reviews tightened significantly in recent years, and buildings that fail agency review need a lender who'll do non-warrantable condos. We maintain outlets for exactly that, so a building's paperwork doesn't kill your purchase.
- Conforming (Fannie/Freddie)
- $832,750 in most counties; Monroe County (Keys) higher
- FHA
- From $541,287; higher in several coastal metros
Limits are set per county and change annually — we'll confirm the exact figure for your county when we quote your scenario.
Florida Housing administers first-time buyer and down payment assistance programs — including workforce initiatives such as Hometown Heroes — for eligible buyers. We'll check current program availability against your profile and county.
floridahousing.orgWhat's Different in FL
Insurance is the underwriting story
Homeowners, wind, and flood insurance premiums in Florida can rival property taxes as a monthly cost, and they count in your debt-to-income ratio. We get insurance quotes into the file early so approvals don't wobble at the finish line.
No state income tax
Florida levies no personal state income tax, and its homestead exemption reduces the taxable value of a primary residence while capping annual assessment growth. Both improve real monthly affordability versus high-tax states.
Investor and foreign-national depth
DSCR loans qualified on rent, bank statement programs for the self-employed, and foreign-national financing for international buyers are all daily work in our Florida pipeline, backed by lenders who specialize in each.
Popular in Florida
Serving borrowers throughout Florida, including Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, West Palm Beach, Naples, Sarasota, St. Petersburg, and every county in between.
The Mortgage Zone is a licensed mortgage broker in Florida (NMLS #2697124). Verify our licensing on the State Licenses page or via NMLS Consumer Access.
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Loan limits, program availability, tax rules, and assistance programs are subject to change and vary by county and borrower eligibility; information on this page is general reference, not a loan offer or tax advice. State agency programs are offered by those agencies, not The Mortgage Zone. Equal Housing Opportunity.
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