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RAMortgage by RubenRuben Akopyan, NMLS #1972825

Pioneer Mortgage Funding, Inc., NMLS #1980

Licensed in Florida

Home loans in Florida

From the Panhandle to the Keys: what buyers and homeowners in Florida should know.

At a glance

Coverage
Statewide
Every county in Florida
Licensed
Ruben Akopyan, NMLS #1972825
Pioneer Mortgage Funding, Inc., NMLS #1980

Buying in Florida: what to know

  • Florida has no state personal income tax.
  • If the home will be your permanent residence, you may qualify for Florida's homestead exemption, which lowers its taxable value. Apply with your county property appraiser.
  • Homeowners insurance with windstorm coverage is part of the monthly cost. Lenders require flood insurance for homes in FEMA special flood hazard areas.
  • Florida condo laws passed after 2021 require structural inspections and funded reserves for many buildings. A building's status can affect which loan programs are available.
  • Florida charges documentary stamp taxes on deeds and mortgages and an intangible tax on new mortgages, which are part of closing costs.

Local guides (67)

Browse A-Z

Southeast Florida

Tampa Bay area

North Central Florida

Northeast Florida

Northwest Florida

Central Florida

Southwest Florida

South Central Florida

Loan programs

ConventionalGovernmentRenovationRefinance & equityFirst-time buyersSelf-employedCredit & residencyInvestorSpecialty

Not sure which program fits? Try the program finder or run your own numbers in the calculators.

The information here is educational only. It is not an offer, approval or commitment to lend. Eligibility is subject to underwriting review of your application and the property. Not every program is offered by every lender or in every state. Each program has property and occupancy requirements, and terms and guidelines can change. This site does not quote rates or fees. Down payment, rate, points and loan amount limits depend on the program, the lender and your situation. Ask your loan officer for details.

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