Mortgage Broker in Florida
Licensed by the Florida Office of Financial Regulation as both a mortgage broker and a mortgage lender, MortgagePros shops your loan across the lenders we work with and closes it at a title company near you, in any of Florida’s 67 counties.
Florida Mortgage Broker License MBR3694 and Mortgage Lender License MLD2100. NMLS #1925352. Rated 4.9 across 5,200+ Google reviews.
67
Florida counties, one licensed pro as your contact
2019
Founded in Troy, Michigan
300+
Licensed loan officers on the team
4.9
Average of 5,200+ Google reviews
39
States licensed, headquartered here
What is different about a Florida mortgage.
Florida approves loans the way every state does, then adds its own costs and questions. Homeowners insurance is the biggest: premiums here are the highest in the country, lenders will not close without a bound policy, and a wind mitigation inspection can cut the premium enough to change what you qualify for. In a designated flood zone, flood insurance is required too, and it has to be in your monthly budget from day one.
Condos carry their own rules. Since the 2022 and 2024 condo safety laws, associations must fund reserves and complete structural inspections, and lenders now read a building’s budget and inspection reports before approving a unit. We check the building early so a condo purchase does not stall in the last week.
The state also gives you two breaks worth knowing: the homestead exemption takes up to $50,000 off your assessed value and caps annual assessment increases at 3 percent once you file by March 1, and property taxes are paid in arrears with a discount of up to 4 percent for paying in November.
Licensed in Florida, exactly as filed.
Both licences are issued by the Florida Office of Financial Regulation and can be verified on the NMLS Consumer Access site under MortgagePros, LLC, NMLS #1925352.
FL
Florida
Florida Mortgage Broker LicenseLicense No. MBR3694Florida Mortgage Lender LicenseLicense No. MLD2100
2026 loan limits in Florida.
Conforming limits come from FHFA and FHA limits from HUD, both set each year. Above the conforming line a loan is a jumbo. VA loans have no limit for veterans with full entitlement.
| Area | Conforming (1 unit) | FHA (1 unit) |
|---|---|---|
| Most Florida counties, including Tampa Bay, Orlando and the Panhandle | $832,750 | $541,287 |
| Miami-Dade, Broward and Palm Beach | $832,750 | $667,000 |
| Collier (Naples) | $832,750 | $764,750 |
| Duval (Jacksonville) | $832,750 | $580,750 |
| Sarasota | $832,750 | $547,400 |
| Monroe (the Keys) | $990,150 | $990,150 |
Two- to four-unit limits are higher. Your pro checks the exact county figure against the home you are looking at.
Miami to Pensacola
One licensed pro from the first call to the closing table, wherever in Florida the home is.
Florida closing costs, and who usually pays them.
Florida has no local custom of attorney-only closings; a title agent or an attorney can close, and since 2020 the state allows remote online notarization. These are the customs, not the law, and every one can be negotiated in the contract.
01
Documentary stamps on the deed
$0.70 per $100 of the purchase price, customarily paid by the seller. Miami-Dade charges $0.60 per $100, plus a surtax on anything that is not a single-family home.
02
Documentary stamps on the note
$0.35 per $100 of the mortgage amount, paid by the buyer. On a $400,000 loan that is $1,400.
03
Intangible tax on the mortgage
0.2 percent of the loan amount, paid by the buyer: $800 on a $400,000 mortgage. Refinances pay it too, on the new loan.
04
Owner’s title policy
Seller-paid in most of the state. In Miami-Dade, Broward, Sarasota and Collier counties the buyer customarily pays, and chooses the title agent.
05
Insurance at closing
A bound homeowners policy, usually a year paid up front, plus flood insurance where the home sits in a Special Flood Hazard Area. Escrows for both are collected monthly after that.
06
Property taxes in arrears
Bills arrive in November for the year just ended, with a 4 percent discount for paying that month. The seller credits you their share at closing; after that, the tax escrow is yours.
Every loan we offer, in Florida.
The same seven products as everywhere we are licensed, underwritten to Florida’s insurance, condo and flood rules.
Buying
Home purchase
A quick pre-approval, with insurance and taxes in the payment from the first quote so a Florida budget is a real one.
3.5% down
FHA loans
Credit scores from 580 and the $541,287 floor covers most Florida homes; higher limits in South Florida, Naples and the Keys.
Zero down
VA loans
Florida has the third-largest veteran population in the country. No down payment, no monthly mortgage insurance, and no loan limit with full entitlement.
From 3% down
Conventional loans
Best pricing for good credit, mortgage insurance you can ask to cancel at 80 percent of the original value, and the route for second homes and rentals.
Above $832,750
Jumbo loans
Waterfront, Naples, the Keys and much of South Florida sit above the conforming line. Lender-by-lender rules; we place the file where it fits.
Lower payment
Refinance
Rate-and-term refinances pay Florida’s documentary stamps and intangible tax again, so the break-even math matters more here. We run it before you commit.
Use your equity
Cash-out refinance
Renovations, a new roof that lowers your insurance, or debt consolidation, paid from equity at a mortgage rate.
How it works from Michigan to Florida.
Most Florida clients never meet us in person, and nothing about the loan is slower for it.
1
Tell us the goal
A short call about what you want to do and where in Florida. We run the numbers with insurance and taxes included, and check any condo building early.
2
Apply and upload
The application, disclosures and signatures are online. A Florida-licensed pro reviews everything and stays on your file to closing.
3
We shop the loan
Your file goes to the lender whose pricing and rules fit it. You see the options side by side.
4
Close near you
Signing happens at a Florida title company, with a mobile notary at your kitchen table, or by remote online notarization from anywhere.
Ready to buy or refinance in Florida?
A Florida-licensed pro quotes your options with insurance, taxes and any program you qualify for already in the numbers. Free, and it starts without a hard credit pull.
Florida mortgage FAQ
The questions Florida buyers and homeowners ask us most. If yours is not here, a licensed pro will answer it directly, with no obligation.
Why is my Florida payment so much higher than the loan calculator said?
Insurance. Florida homeowners premiums are the highest in the country and flood insurance is mandatory in a Special Flood Hazard Area. Both go into escrow, so they are part of the monthly payment lenders use to qualify you. We quote with real insurance figures, and a wind mitigation inspection on an older home often lowers them.
Can I still get a loan on a Florida condo?
Yes, but the building matters as much as you do. After the 2022 and 2024 condo safety laws, lenders check that the association has completed its structural inspection and is funding reserves. Buildings that have not can be limited to certain loan types or declined. We pull the association documents at the start so you know before you are under contract.
What are documentary stamps and the intangible tax?
Florida taxes real estate transfers and mortgages. The seller customarily pays $0.70 per $100 of the price on the deed. The buyer pays $0.35 per $100 of the loan on the note plus 0.2 percent of the loan as intangible tax. On a $400,000 mortgage that is $2,200 of your closing costs, and a refinance pays them again on the new loan.
Do I have to come to Michigan, or will you come to Florida?
Neither. Your licensed pro handles the loan by phone, email and e-signature, and the closing is done at a Florida title company near you, with a mobile notary, or by remote online notarization, which Florida has allowed since 2020.
When should I file for the homestead exemption?
With your county property appraiser by March 1 of the first year you own and occupy the home on January 1; for most buyers that is the year after closing. It removes up to $50,000 from the assessed value and starts the Save Our Homes cap, which limits assessment increases to 3 percent a year. If you are moving within Florida, ask about porting your existing cap.
Talk to a Florida-licensed pro.
Tell us what you are looking to do and where in Florida. A licensed pro will call back, usually the same business day. Asking does not start a loan or require a hard credit pull.
Prefer to talk?
248-416-1361
Open 24/7. Ask for your pro by name.
Visit our office
880 W. Long Lake Rd, Suite 300
Troy, Michigan 48098, just off I-75. Free parking.
Licensed and reviewed
Florida Mortgage Broker License MBR3694 and Mortgage Lender License MLD2100. NMLS #1925352. Rated 4.9 across 5,200+ Google reviews.