Mortgage Broker in Florida
NMLS #2560393Licensed mortgage broker in Florida
Explore mortgage programs with a licensed broker who works with a wholesale lender. Whether you're buying a primary residence, vacation home, or investment property in the Sunshine State — mortgage guidance through a licensed broker.
The Florida mortgage market
Florida draws buyers from across the country and beyond — people relocating, retiring, and vacationing, helped along by no state income tax and the climate.
We help you navigate Florida-specific factors like condo financing requirements and flood insurance, whether you're a new full-time Floridian, a snowbird buying a vacation home, or an investor adding rental property.
What we offer across Florida
Services available in FL
- Conventional loansA mortgage not insured by a government agency, usually following Fannie Mae or Freddie Mac rules. Down payments can start at 3% for eligible buyers; less than 20% down usually means private mortgage insurance.
- FHA loansA mortgage insured by the Federal Housing Administration. It allows a 3.5% down payment with a 580+ credit score and more flexible credit guidelines, with FHA mortgage insurance. For a home you will live in.
- VA loansA mortgage guaranteed by the Department of Veterans Affairs for eligible veterans, service members and some surviving spouses. It can allow 0% down and no monthly mortgage insurance; a VA funding fee usually applies unless exempt.
- Jumbo loansA loan larger than the conforming loan limit set each year by the FHFA. Jumbo loans often ask for stronger credit, larger down payments and more cash reserves.
- Non-QM / bank statement loansLoans outside the standard qualified-mortgage rules, for example qualifying on bank statements instead of tax returns. Often used by self-employed borrowers; rates and down payments are usually higher.
- Cash-out refinancingReplacing your mortgage with a larger one and taking the difference in cash, for example for renovations or paying off debt. Your loan balance and payment may go up.
- Rate-and-term refinancingReplacing your mortgage to change the rate, the term or both, without taking cash out. Closing costs apply, so compare how long it takes to recover them.
- Second home / vacation property loansMortgages for a home you will use part of the year, such as a vacation home. It must be suitable for year-round use and not rented full time; down payment and reserve rules differ from a primary home.
- Investment property loansMortgages for rental or other investment property you will not live in. They usually need a larger down payment and cash reserves, and rates are usually higher than for a home you live in.
All 67 FL counties served
Florida housing market
Government and Freddie Mac data, updated as each source publishes.
- Home prices, past yearChange in the Freddie Mac House Price Index for State of Florida, which tracks repeat sales and refinance appraisals of the same homes. It covers the whole metro area, not only this county. Past changes do not predict future prices.
- +1.6%
- July 2026 vs a year earlier · +30.8% over 5 years
- Home purchase loans, 2025First-lien and other mortgages made to buy a home, as reported by lenders under the Home Mortgage Disclosure Act (HMDA) and published by the CFPB. Cash purchases are not included, so this undercounts total sales. Published once a year.
- 292,562
- -2.4% vs 2024
- Average purchase loan, 2025Total amount of the home purchase loans reported under HMDA divided by their number. It is a loan size, not a home price: it leaves out down payments.
- $416,065
- FHA and VA share of loans, 2025Share of the conventional, FHA and VA mortgages made that year (purchase and refinance) that were FHA or VA loans, from HMDA. A higher share usually means more low-down-payment and first-time buyers.
- 27.7%
- 87,249 FHA · 48,436 VA of 489,985 conventional, FHA and VA loans made
- Refinances, 2025Refinance loans made that year, from HMDA: rate-and-term (a new rate or term) and cash-out (borrowing against equity).
- 119,191
- 50,453 rate-and-term · 68,738 cash-out
- New homes permitted, last 12 monthsHousing units authorized by building permits (single-family and multi-family), from the Census Bureau's Building Permits Survey. New construction adds to future supply.
- 158,370
- -7.4% vs the year before · 13,980 in August 2026
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Sources: Consumer Financial Protection Bureau, HMDA data (loans originated); U.S. Census Bureau, Building Permits Survey; Freddie Mac House Price Index (FMHPI). Figures describe the past and are for general information only; they are not an appraisal, a forecast or an offer of credit.
Florida mortgage FAQ
Are you a licensed Florida mortgage broker?
Yes. Ai Remco LLC is licensed in Florida (NMLS #2560393) and serves Miami, Orlando, Tampa, Jacksonville, and all 67 FL counties.
Do you finance condos and vacation homes in Florida?
Yes. We handle warrantable and non-warrantable condo financing, second / vacation homes, and investment properties across the state.
How does Florida flood insurance affect my mortgage?
Lenders require flood insurance in FEMA Special Flood Hazard Areas. We help you understand the requirement up front and can also generate a flood-insurance quote alongside your mortgage.
Can out-of-state and foreign-national buyers get a Florida mortgage through you?
We work with a wholesale lender to review available programs for relocating buyers, seasonal residents and foreign-national applicants. Availability depends on the lender, documentation, property and eligibility requirements.
Ready to get started in Florida?
Talk to a licensed loan officer.
NMLS #2560393 · Licensed Mortgage Broker · Equal Housing Opportunity