Florida Home Loan Options We Offer:

We provide a wide range of loan programs designed to meet the diverse needs of Florida residents, including:

Conventional Loans

• Ideal for borrowers with strong credit 
• Low rates and flexible terms
• As little as 3% down for first-time buyers

FHA Loans

• Designed for low-to-moderate income borrowers 
• Down payments starting at just 3.5%
• More flexible credit requirements

VA Loans

• For veterans, active-duty military, and eligible spouses 
• No down payment, no PMI, and competitive rates
• Backed by the U.S. Department of Veterans Affairs

USDA Loans

• For homes in eligible rural and suburban areas 
• Zero down payment required
• Income limits apply

Jumbo Loans

• For luxury or high-value homes exceeding conforming loan limits 
• Customized financing for Florida’s high-cost markets
• Competitive terms for well-qualified borrowers

Mortgage Refinancing

• Lower your monthly payment or interest rate 
• Tap into home equity for renovations or debt consolidation
• Switch to a shorter term or remove mortgage insurance

Why Floridians Choose Palm Beach Mortgage Group:

Local Expertise with Statewide Reach
We understand Florida’s unique housing market trends, insurance challenges, and local lending guidelines better than national lenders.

Fast Pre-Approvals
Get pre-approved quickly so you can shop for your home with confidence and negotiate like a cash buyer.

One-on-One Guidance
No call centers. You’ll work directly with an experienced Florida loan specialist from application to closing.

Low Rates, Transparent Fees
We shop multiple lenders to bring you the most competitive interest rates and lowest closing costs available.

Secure Online Application
Apply anytime from anywhere with our easy-to-use digital mortgage platform.

Homeownership in Florida: What You Should Know

• No state income tax makes Florida attractive to retirees and investors
• Florida’s Homestead Exemption offers property tax savings
• Housing markets like Orlando, Tampa, and Miami continue to grow steadily
• Wind and flood insurance may be required depending on the region

Whether you’re purchasing your primary residence, a second home near the coast, or an investment property, we’ll help you make smart, informed choices every step of the way.

Ready to Get Started?

Your dream home in Florida is closer than you think. Let Palm Beach Mortgage Group guide you to the perfect loan — with the expertise, speed, and personal attention you deserve. Serving all of Florida — from the Panhandle to the Keys

• Call us at 561-478-4780
• Apply Online Now to get pre-approved in minutes

Florida Mortgage FAQs

Q: How much do I need for a down payment in Florida?
A: Down payments vary by loan type — as little as 0% for VA or USDA, 3%–5% for conventional, and 3.5% for FHA.

Q: What credit score do I need to qualify?
A: Most programs require a minimum score of 620, though some FHA loans may allow lower scores with stronger compensating factors.

Q: Can I qualify if I’m self-employed?
A: Yes. We work with self-employed borrowers using bank statements, tax returns, or 1099 income documentation.

Q: How long does it take to close a mortgage in Florida?
A: Most closings take 30–45 days, though some loans can be expedited based on your situation.

Q: Can I buy a second home in Florida?
A: Absolutely. We offer second home and investment property loans throughout the state.