Florida Mortgage Broker
Sunshine State Savings
Florida's booming real estate market demands smart financing. As an independent mortgage broker licensed in Florida (NMLS #233747), I don't work for any single bank. I work for you, shopping 240+ wholesale lenders to find the best rate for your Miami condo, Tampa home, or Orlando investment property.
Florida Mortgage Broker: Sunshine State Savings
A Florida mortgage broker shops your loan across many wholesale lenders instead of offering a single bank's products, which usually means lower rates and more options, especially valuable in Florida where condo approval, flood zones, and insurance costs complicate financing. As an independent broker licensed in Florida with access to 240+ wholesale lenders, I find the lender whose guidelines fit your situation, help you access Hometown Heroes and other down payment assistance, and navigate the condo and insurance issues that trip up out-of-state lenders. If you are buying or refinancing anywhere in Florida, I compare the whole market so you do not have to. Ready to start? Get pre-approved.
Why use a mortgage broker instead of a bank in Florida?
Florida's diverse housing market, from Miami Beach condos to Tampa Bay suburban homes to Orlando vacation rentals, requires customized financing solutions. A 0.25% rate reduction on a $500K loan saves over $25,000 in interest over 30 years.
Mortgage Broker
- Access to 240+ wholesale lenders
- Wholesale rates (typically 0.125-0.25% lower)
- Florida Housing & Hometown Heroes approved
- Works for you, not the bank
- Condo & flood zone specialists
Direct Lender/Bank
- Only their own products available
- Retail rates with built-in margin
- May not offer state assistance programs
- Loan officer works for the bank
- Limited condo approval lists
Why Broker Access Matters in Florida
Condo Financing
Florida's condo market requires lenders who understand HOA financials and warrantable requirements. We know which lenders approve non-warrantable condos and high-rise buildings that banks often decline.
Flood Zone Expertise
Many Florida properties require flood insurance. We work with lenders experienced in flood zone financing and can help you understand insurance requirements before closing.
State Programs
Florida Housing and Hometown Heroes offer significant down payment assistance. As an approved broker, we can help teachers, first responders, nurses, and veterans access up to 5% in assistance.
What down payment assistance can a Florida broker help with?
Florida has some of the best state housing assistance programs in the nation. As a licensed Florida mortgage broker, I can help you access these programs that many banks don't offer.
Florida Hometown Heroes
5% of the first mortgage amount (minimum $10,000, maximum $35,000) as a zero-interest, non-amortizing second mortgage for eligible full-time Florida workers.
- • 0% interest, no monthly payment
- • Not forgivable; repaid on sale, refinance, or title transfer
- • 640 score; first-time buyer (veterans and active-duty exempt)
Florida Housing First-Time Buyer
Florida Housing Finance Corporation offers below-market rates for first-time buyers and veterans, combined with down payment assistance options.
- • Below-market interest rates
- • FL Assist second mortgage available
- • Income limits by county
FL Assist Down Payment
Up to $10,000 in down payment and closing cost assistance through a 0% interest, non-amortizing second mortgage with no monthly payment.
- • Deferred until sale or refi
- • Combinable with other programs
- • FHA, VA, USDA eligible
Meet Your Florida Mortgage Broker
I'm Emmett Clark, and I've spent over 20 years helping families across America, including thousands in Florida, navigate the mortgage process. With two Master's degrees and a broker's license, I bring both analytical expertise and practical experience to every transaction.
As an independent broker, I'm not employed by any single bank or lender. My job is to find you the best loan from my network of 240+ wholesale lenders, whether that's a major bank, credit union, or specialty lender that fits your unique situation.
Florida's diverse markets, from Miami Beach luxury condos to Orlando family homes to Tampa Bay waterfront properties, require customized solutions. I understand Florida's unique challenges: condo approvals, flood zones, hurricane insurance, and seasonal income.
Learn More About Emmett
5-Star Google Reviews
$2,000 Best Price Guarantee
Close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance? We'll send you a $2,000 check. That's how confident we are in our wholesale lender network.
Share Your Loan Estimate
Send us your competitor's LE to compare
We Try to Beat It
Rate, fees & mortgage insurance combined
Close & Get Paid
Show Final CD within 10 days, get $2,000
What areas of Florida do you serve?
From South Florida's luxury condo market to Central Florida's family communities to the Gulf Coast's waterfront properties, I help Florida buyers in every major market.
Miami
Miami-Dade County
Tampa
Hillsborough County
Orlando
Orange County
Jacksonville
Duval County
Fort Lauderdale
Broward County
West Palm Beach
Palm Beach County
Naples
Collier County
+ All FL
Statewide Coverage
Florida Loan Programs Available
What Florida Clients Say
"Buying a condo in Miami Beach was complicated, and my bank said the building wasn't approved. Emmett found a lender who works with non-warrantable condos and got me a great rate."
Carlos R.
Condo Buyer, Miami Beach FL
"As a nurse, I qualified for Florida Hometown Heroes. Emmett helped me get 5% down payment assistance that my bank didn't even know existed. Saved me over $20,000!"
Sarah J.
Healthcare Worker, Tampa FL
Ready to Work With a Florida Mortgage Broker?
Whether you're buying your first home in Orlando, purchasing a vacation property in Naples, or refinancing in Jacksonville, let me shop 240+ lenders to find your best rate.
Florida Mortgage Broker FAQs
Why use a Florida mortgage broker instead of a bank?
A broker shops many wholesale lenders for your best rate and options, while a bank offers only its own products. In Florida, brokers also more easily place condo, flood-zone, and specialty loans that retail banks often decline.
How does a mortgage broker get paid in Florida?
Brokers are compensated either by the lender or the borrower, disclosed up front. Because brokers access wholesale pricing, the total cost is frequently lower than a retail bank even after compensation.
What down payment assistance can a Florida broker help me get?
Hometown Heroes (up to $35,000, repayable), FL Assist (up to $10,000), the Florida Bond program, and our own no-repayment FHA grant. I compare them to find the lowest true cost.
Can a Florida broker help with condo financing?
Yes. I verify a building's loan-type approval and, post-Surfside, its reserves and inspection status before you make an offer, which is critical in Florida's condo-heavy markets.
Do you serve all of Florida?
Yes, statewide, from South Florida and the Gulf Coast to Central Florida and the Panhandle, with local market context for each region and metro.
Browse Florida by Region
Explore local market guides, loan limits, and rate scenarios for every corner of Florida. Select your region to get started.
Get Your Mortgage Broker Quote
Connect with Emmett directly. Quick response, personalized guidance for your Florida home purchase.
Why Contact Emmett?
- ✓ Local Florida market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation
Explore Florida Loan Programs
From the blog & learning center
Florida Home Buying Guides
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To comfortably afford a $1 million home you generally need household income between roughly $155,000 and $220,000, a down payment of $100,000 to $200,000, and enough reserves for closing costs and a few months of payments.
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How to Buy a House With Bad Credit
You can buy a house with bad credit, it just takes the right loan program and some strategy. FHA loans accept scores as low as 500, and there are concrete steps to strengthen your application even when your credit isn't where you'd like it.
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How Can You Buy a House With No Money Down?
Two true zero-down loans exist: VA for veterans and military, and USDA for eligible rural and suburban homes. A few other paths get you close.
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What Is a Jumbo Loan? (2026 Limits)
A jumbo loan is a mortgage that exceeds the 2026 conforming limit of $832,750 in most counties, or $1,249,125 in high-cost areas.
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Jumbo Loan Requirements in 2026
To qualify for a jumbo loan in 2026, most lenders look for a 700+ credit score, 10-20% down, DTI at or below 43%, and cash reserves after closing.
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Jumbo Loan Down Payment: How Much You Really Need
You don't necessarily need 20% down for a jumbo loan. In 2026, well-qualified borrowers can find financing with as little as 10% down on loans up to roughly $2 million.
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