Get a free mortgage quote for any Florida loan program. No obligation, no credit pull, and a personalized number in minutes.
What you will get
- A rate quote built around your actual situation
- Loan program recommendations across FHA, VA, USDA, conventional and non-QM
- The down payment assistance you qualify for, if any
- An estimated monthly payment broken down properly
- A Florida closing cost estimate
What we need
- Your name and how to reach you
- Approximate credit score range
- Annual household income
- Target purchase price, or the balance you want to refinance
- Roughly what you have for a down payment
No social security number required. No hard credit pull at this stage.
Why a Florida mortgage quote should include taxes and insurance
Plenty of quotes show principal and interest and stop there. In Florida that number is close to meaningless, because it can leave out a third of what you actually pay each month.
Property taxes, homeowners insurance, any flood insurance, and HOA or condo dues all sit inside your real payment. Insurance in particular has moved sharply here, and on a coastal property or an older condo it can exceed the tax bill. Therefore a quote of $2,300 that excludes them may really be $3,100 once escrow is included.
Ours includes all of it. Since those same figures drive the debt-to-income ratio an underwriter applies, a quote that ignores them is not just optimistic, it can be wrong about whether you qualify at all.
What we do with your answers
We compare the programs you are eligible for rather than quoting a single product. A buyer with 5% down and a 690 score might do better on conventional than FHA once mortgage insurance is counted, while the same buyer at 620 usually does not. If Hometown Heroes or a county program can be layered on, we will tell you at this stage rather than after you commit.
If the honest answer is that waiting a few months would serve you better, we will say that too.
Prefer to start the paperwork now? Go straight to free pre-qualification, or begin a full application: apply for a home purchase or apply to refinance. You can also compare every Florida loan program first.