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Second Mortgages in Florida

County data, every Florida city we cover, and state rules to know.

Second Mortgages 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.

Questions about second mortgages in Florida?

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

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Florida recording costs: Documentary stamp tax on deeds and other documents that transfer an interest in Florida real property; documentary stamp tax on notes and recorded mortgages (written obligations to pay money); and nonrecurring intangible tax on mortgages - collected by the county clerk when the document is recorded. Your Loan Estimate lists the taxes that apply to your loan.

Where second mortgages activity is highest in Florida

Countyloans originated (2024 HMDA)
Broward County2,634
Hillsborough County2,530
Miami-Dade County2,492
Duval County2,312
Orange County2,270
Palm Beach County1,923
Polk County1,603
Brevard County1,588
Pinellas County1,539
Pasco County1,390
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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.

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Related guides

Second Mortgages overview · Florida mortgage overview

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