Home Loans in Florida

From first-time purchases to custom builds, Florida borrowers have a wide menu of home loans to consider. Government-backed loans serve veterans, rural buyers and those rebuilding credit, while conventional and jumbo loans cover a broad range of prices. Construction and renovation loans handle building and repair projects. Many buyers qualify for more than one path. Select your city below to start sorting through the options and see which loan types may fit your plans.

Questions about home loans in Florida?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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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 home loans activity is highest in Florida

County	loans originated (2024 HMDA)
Broward County	16,955
Miami-Dade County	16,786
Hillsborough County	16,783
Polk County	14,017
Lee County	13,953
Palm Beach County	13,713
Orange County	13,199
Pasco County	12,690
Duval County	12,080
Brevard County	9,533

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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.

Home Loans by city in Florida

Common questions

What kind of loan do I need to build a house?

Construction loans fund a new build in stages as work is completed. A construction-to-permanent loan covers both the building phase and the long-term mortgage with one closing, while a construction-only loan must be replaced with a separate mortgage when the home is finished. Lenders usually review your builder, plans and budget before approval.

How do I know which home loan is right for me?

Start with the factors that open specific programs: military service for VA, a rural address for USDA, and a high purchase price for jumbo. Then consider your credit history, upfront cash and whether you plan to build or renovate. A licensed loan officer can review your situation and compare the loan types you may qualify for side by side.

What is the difference between a conventional loan and a government-backed loan?

A conventional loan is not insured or guaranteed by a federal agency and usually follows Fannie Mae or Freddie Mac guidelines. Government-backed loans include FHA loans insured by the Federal Housing Administration, VA loans guaranteed by the Department of Veterans Affairs and USDA loans backed by USDA Rural Development. Government backing can open doors for borrowers who might not fit conventional guidelines.

2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025