Home Loans in Florida
Florida's growth, sunshine, and lack of state income tax keep its housing market in high demand. Star Financial helps Florida buyers, second-home purchasers, and investors finance the right property.
Florida market snapshot
- Coastal and metro markets see strong demand for jumbo and second-home financing.
- Investor activity is high — DSCR loans are popular for rentals and short-term rentals.
- Insurance and HOA costs vary; we help you plan for the full monthly payment.
Homebuyer information
- Florida Housing offers down payment assistance for eligible first-time buyers.
- FHA and VA loans are widely used across the state's metros.
- Condo financing has specific guidelines we navigate for you.
Financing options for Florida buyers & homeowners
FHA Loans
Low down payment, flexible credit — great for first-time buyers.
Conventional Loans
Competitive pricing for borrowers with stronger credit profiles.
VA Loans
$0 down financing for eligible veterans and active-duty service members.
Jumbo Loans
Financing above conforming limits for higher-priced homes.
DSCR Investor Loans
Qualify rental properties on cash flow — no personal income docs.
Bank Statement Loans
For self-employed borrowers who qualify on deposits, not tax returns.
HELOC & Cash-Out
Tap your equity for renovations, debt consolidation, or investments.
Down Payment Assistance
Programs that may help cover down payment and closing costs.
Florida home loan FAQs
What credit score do I need for a home loan in Florida?
Many Florida buyers qualify with a 580+ score on FHA programs, while conventional loans typically reward 620+ with better pricing. Star Financial reviews your full profile, not just the score.
How much down payment is required in Florida?
Down payments can be as low as 3.5% on FHA and 3% on some conventional programs. VA-eligible borrowers may qualify for $0 down. Down payment assistance may also be available.
How long does mortgage approval take in Florida?
As a direct lender with in-house underwriting and funding, Star Financial can often issue pre-approvals quickly and close many loans in a few weeks, depending on your scenario.
Can I qualify in Florida if I'm self-employed?
Yes. We offer bank statement, 1099, and profit-and-loss programs designed for self-employed borrowers who may not show full income on tax returns.
Is Star Financial licensed to lend in Florida?
Yes. Star Financial (NMLS #1429) is licensed to originate mortgages in Florida and across CA, TX, FL, CO, AZ, and ID.
Star Financial (NMLS #1429) is licensed in Florida (License #MLD2523) as a direct mortgage lender.
Get pre-approved in Florida
Connect with a licensed Star Financial loan officer for a fast, no-obligation review.
Licensed in CA, TX, FL, CO, AZ & ID · NMLS #1429