This site covers 471 Florida cities and towns. Lenders originated 436,053 home loans across the Florida counties in our data in 2024. Below are the state rules borrowers ask about most, every loan type by state, and links to city pages.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Florida mortgage rules to know
- Mortgage licensing: Florida Office of Financial Regulation (OFR)
- State housing finance agency: Florida Housing Finance Corporation (Florida Housing)
- Foreclosure process: Judicial: a Florida foreclosure is a court case heard in the circuit court's civil division, and if default is proven the court enters a judgment ordering a public sale of the property.
- Recording taxes and fees: 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.
- Property tax relief: Owners who make a Florida property their permanent residence (or a dependent's) may qualify for the homestead exemption, applied for through the property appraiser in the county where the property is located.
- A Florida homestead exemption also qualifies the home for the Save Our Homes assessment limitation (explained in the Department of Revenue's PT-112 guide).
- Portability: a homeowner may be able to transfer ('port') all or part of the Save Our Homes assessment difference to a new Florida homestead.
- Florida Housing's Hometown Heroes program is aimed at first-time, income-qualified buyers in workforce occupations (such as health care, education, first responders, child care, servicemembers and veterans) employed full-time by a Florida-based employer.
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Apply by phone: (888) 912-6746Prefer 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.
Loan types in Florida
- Mortgage Lenders in Florida
- Mortgage Companies in Florida
- Mortgage Brokers in Florida
- Home Loans in Florida
- Mortgage Refinance in Florida
- Cash-Out Refinance in Florida
- HELOC in Florida
- Home Equity Loans in Florida
- FHA Loans in Florida
- VA Loans in Florida
- First-Time Home Buyer Loans in Florida
- USDA Loans in Florida
- Jumbo Loans in Florida
- Reverse Mortgage in Florida
- Construction Loans in Florida
- Renovation Loans in Florida
- Conventional Loans in Florida
- Physician Loans in Florida
- Second Mortgages in Florida
Larger Florida cities
- Miami
- Tampa
- Orlando
- Jacksonville
- Sarasota
- Cape Coral
- Palm Bay
- Port St. Lucie
- Bonita Springs
- Palm Coast
- Kissimmee
- Pensacola
- Lakeland
- Winter Haven
- St. Petersburg
- Tallahassee
- Hialeah
- North Port
- Gainesville
- Deltona
- Fort Lauderdale
- Pembroke Pines
- Ocala
- Hollywood
- Leesburg
- Miramar
- Panama City
- Coral Springs
- Lehigh Acres
- Clearwater
- Brandon
- Pompano Beach
- West Palm Beach
- Spring Hill
- Miami Gardens
- Davie
- Boca Raton
- Riverview
- Sunrise
- Plantation
Guide
- https://www.flofr.gov/sitepages/documents/OFR050515.pdf
- https://floridahousing.org/hometownheroes
- https://floridarevenue.com/taxes/taxesfees/pages/doc_stamp.aspx
- https://www.sarasotaclerk.com/Records/Recording-Services/Recording-Requirements/Recording-Fees-and-Taxes-Required
- https://floridarevenue.com/Property/Pages/Taxpayers_Exemptions.aspx
- https://flcourts18.org/foreclosure-court/