Conventional Loans are available to borrowers across Florida through licensed lenders and brokers. Eligibility, documentation and terms vary by borrower, property and investor, so the right fit depends on your situation.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Florida's state housing finance agency is Florida Housing Finance Corporation (Florida Housing). Its homebuyer programs include Florida Hometown Heroes Housing (HTH) Program, Homeownership Pool (HOP) Program, Mortgage Credit Certificate. These programs work through participating lenders and have their own eligibility rules. See our Florida first-time buyer programs guide.
Where conventional loans activity is highest in Florida
| County | loans originated (2024 HMDA) |
|---|---|
| Miami-Dade County | 23,826 |
| Broward County | 23,496 |
| Palm Beach County | 20,389 |
| Hillsborough County | 19,592 |
| Orange County | 17,090 |
| Pinellas County | 14,192 |
| Lee County | 14,188 |
| Pasco County | 12,157 |
| Duval County | 11,824 |
| Brevard County | 10,505 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Find a lender near you in Florida
- Mortgage lenders in Miami
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- Mortgage lenders in Ocala
- Mortgage lenders in Hollywood
- Mortgage lenders in Leesburg
- Mortgage lenders in Miramar
- Mortgage lenders in Panama City
- Mortgage lenders in Coral Springs
- Mortgage lenders in Lehigh Acres
- Mortgage lenders in Clearwater
Related guides
- Conventional vs. FHA Loans: Which May Fit You?
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Florida
Conventional Loans overview · Florida mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025