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Florida Mortgage Lenders – Our sole purpose is to fund loans. More specifically, we exist to fill the gap where Florida bank lending restraints have left many Florida qualified mortgage applicants without access to funding. Our custom Florida Mortgage Lenders underwriting approach allows us to not only focus on the numbers but on the entire applicant situation in order to provide an innovative financing structure that meets their needs. We get the job done!


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Fast Consultation – All Situations Welcome!


FHA MORTGAGE LENDERS Min 3.5% down payment minimum 580 fico or 10% down with a 550 fico. Seller paid the closing cost up to 6%. Gift from family OK! Florida FHA mortgage lenders can approve you purchase a Florida home 3 years after a foreclosure, 2 years after a chapter 7 bankruptcy and 12 months after a chapter 13 bankruptcy. Please Note- The 3 year waiting period after a foreclosure starts when the title/deed is transferred out of your name. 

• VA MORTGAGE- 100% VA loan financing with a minimum 550 credit score. Seller paid closing cost up to 4%. Purchase a Florida home using VA certificate of eligibility or/and DD214 waiting only 2 years after a foreclosure or bankruptcy.

• PORTFOLIO LENDERS- Purchase 1 day our of Foreclosure, Short-Sale, Bankruptcy down to a 500 credit score. Loans up to 1 million with credit scores down to 500. Up to 80% Loan To Value. 30 year fixed no prepayment penalty.

• BANK STATEMENT ONLY FLORIDA MORTGAGE LENDERS-NO TAX RETURNS NEEDED! 10% down with a 660 credit score or 15% down with a 600 credit score. You must be self-employed or contractor for about  2 years. Must have trade lines on the credit report.  All persons listed on bank statements must be used on the loan application. No tax returns needed. Business or personal bank statements used to qualify. Up to 90% LTV up to 55% DTI.                                          

• JUMBO FLORIDA MORTGAGE- Your Florida mortgage amount exceeds the current conforming home loan limit (in most cases $417,000), a Jumbo loan is likely the best choice for you. Jumbo loans can be of the fixed or adjustable variety. 

• INTEREST ONLY FLORIDA MORTGAGE- An interest-only mortgage is great if you are interested in the lowest possible monthly payment for an initial period of time.

FLORIDA REVERSE MORTGAGE LENDERS Homeowners over 62 that do not own much on their home can tap into their equity to spend how they wish. 

• ADJUSTABLE RATE MORTGAGE (ARM)- Savvy borrowers will want to take advantage of the lowest rate available with an adjustable rate mortgage! It’s a great loan option if rates are on the decline or you’re staying in your home for a short time. 

• BAD CREDIT FLORIDA MORTGAGE- We get borrowers approved every day to purchase a Florida home with a bad credit past. FHA mortgage and VA mortgage approvals are among the easiest loan programs for Florida bad credit mortgage applicants.

• NO CREDIT SCORE FLORIDA MORTGAGE LENDERS- Florida mortgage applicants with no credit score get approved every day to purchase a Florida home with no credit score or lack of credit using alternate trade lines.

• NO SEASONING FLORIDA MORTGAGE LENDERS- Florida mortgage applicants cash cashout refinance 1 day after they purchase a Florida home!

• 30 YEAR FIXED RATE FLORIDA MORTGAGE- The 30 year fixed rate Florida mortgage is one of the most popular and secure options available for Florida homebuyers and homeowners who want your monthly payments to be low and never change. 

• 15 YEAR FIXED RATE FLORIDA MORTGAGE- If you’re looking to save thousands in interest expense and you want to own your home quicker versus a 30 year fixed rate mortgage, a 15 year fixed rate mortgage could be good for you. Plus, your payment and interest rate will never change during the term of this mortgage.

FLORIDA-MORTGAGE-LENDERS.COM Is pleased to offer disciplined credit alternatives for Florida bad credit and bank statement only mortgage loans for applicants who can demonstrate the ability to repay, but otherwise don’t meet agency guidelines due to various reasons.


Self-Employed using Bank Statements with or without Asset Amortization

  • One borrower must be self-employed and may have a W-2 co-borrower
  • The self-employed borrower must have minimum 2 years self-employment in the same business
  • Self-employed borrowers qualified using personal and/or business bank statements for the most recent 12 month period
  • If business bank statements used, a Profit and Loss (P&L) statement may be required
  • Assets must be traditionally documented
  • Florida Bank Statement only Loan amounts up to $3 million
  • Debt to income ratios  up to 50%
  • Credit scores as low as 600
  • The borrower may use an asset amortization formula to derive additional qualifying income. Bank Statement Only Florida Mortgage Lenders.

Florida Mortgage Lenders Approval Philosophy- Florida Mortgage Lenders takes a common sense approach to underwriting a borrower’s creditworthiness to determine the willingness and ability to repay the loan.  Each Florida mortgage applicant has a different situation and each loan is weighed on its own merits.  Our goal is to help good Florida mortgage applicants with their financing needs while mitigating risk for the company.  Our alternative document programs are high-risk loans. Florida Mortgage Lenders will only approve loans for which the company has a reasonable belief that the borrower has the ability to repay the subject loan. This reasonable belief is based upon information provided by or independently verified by an independent third party.  Any irregularity in Florida mortgage applicants profile, documentation provided, or property used to support the debt may be cause for denial of the loan.

Florida Mortgage Lenders Program Qualifications- This program is designed for borrowers who have significant verifiable assets or are self-employed and would benefit from alternative loan qualification methods. This program provides two alternate approaches to document the borrower’s ability to repay. Asset statements alone (no debt to income ratio is required) may be used by high net worth individuals for qualification.  Bank statements (personal and/or business) may be used as an alternative to tax returns to document a self-employed borrower’s income.  In addition, a self-employed borrower may supplement bank statement income with additional income derived from an asset amortization formula.


ALACHUA $271,050 Alachua, Archer, Gainesville, Hawthorne, High Springs, LaCrosse, Micanopy, Newberry, Waldo, Campville
BAKER $316,250 Macclenny, Glen St. Mary, Baxter, Eddy, Olustee, Sanderson, Taylor
BAY $271,050 Callaway, Lynn Haven, Mexico Beach, Panama City, Panama City Beach, Parker, Springfield, Cedar Grove, Laguna Beach, Lower Grand Lagoon
BRADFORD $271,050 Hampton, Lawtey, Starke, Brooker
BREVARD $271,050 Cape Canaveral, Cocoa, Cocoa Beach, Indian Harbour Beach, Melbourne, Palm Bay, Rockledge, Satellite Beach, Titusville, West Melbourne
BROWARD $345,000 Coconut City, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hillsboro Beach, Hollywood
CALHOUN $271,050 Blountstown, Altha, Abe Springs, Broad Branch, Carr Community, Chipola, Chipola Park, Clarksville, Cox, Eufala
CHARLOTTE $271,050 Punta Gorda, Babcock Ranch, Boca Grande, Cape Haze, Adrian Town, Charlotte Harbor, Charlotte Park, Cleveland, Deep Creek, Englewood
CITRUS $271,050 Crystal River, Inverness, Beverly Hills, Black Diamond, Chassahowitzka, Citrus Hills, Citrus Springs, Floral City, Hernando, Holder
CLAY $316,250 Green Cove Springs, Keystone Heights, Orange Park, Penney Farms, Lake Asbury, Bellair-Meadowbrook Terrace, Belmore, Clay Hill, Doctors Inlet, Fleming Island
COLLIER $448,500 Everglades City, Marco Island, Naples, Ave Maria, Chokoloskee, East Naples, Golden Gate, Goodland, Immokalee, Island Walk
COLUMBIA $271,050 Lake City, Fort White, Columbia City, Five Points, Lulu, Mikesville, Newco, Watertown
DE SOTO $271,050 Arcadia, Southeast Arcadia, Brownville, Fort Ogden, Hull, Lake Suzy, Nocatee, Hidden Acres
DIXIE $271,050 Cross City, Horseshoe Beach, Old Town, Steinhatchee, Clara, Eugene, Hines, Jena, Jonesboro, Old Town
DUVAL $316,250 Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, Baldwin
ESCAMBIA $271,050 Pensacola, Century, Barrineau Park, Barth, Bellview, Beulah, Bluff Springs, Bogia, Bratt, Brent
FLAGLER $218,500 Bunnell, Flagler Beach, Palm Coast, Marineland, Beverly Beach, Flagler Estates, Hammock, Painters Hill, Espanola, Bimini
FRANKLIN $271,050 Apalachicola, Carrabelle, Eastpoint, Alligator Point, Bald Point, Lanark Village, St. Teresa
GADSDEN $271,050 Chattahoochee, Gretna, Midway, Quincy, Greensboro, Havana
GILCHRIST $271,050 Bell, Fanning Springs, Trenton
GLADES $271,050 Brighton Seminole Indian Reservation, Buckhead Ridge, Lakeport, Moore Haven, Muse, Palmdale
GULF $271,050 Port St. Joe, Wewahitchka, Cape San Blas, Dalkeith, Highland View, Honeyville, Indian Pass, Overstreet, White City
HAMILTON $271,050 Jasper, White Springs, Jennings, Avoca, Bakers Mill, Blue Springs, Crossroads, Cypress Creek, Hillcoat, Marion
HARDEE $271,050 Bowling Green, Wauchula, Zolfo Springs, Crewsville, Fort Green, Ona, Popash, Sweetwater, Limestone, Village of Charlie Creek
HENDRY $271,050 Clewiston, LaBelle, Fort Denaud, Harlem, Port LaBelle, Felda, Pioneer Plantation, Montura Ranch Estates, Flaghole, Ladeca Acres
HERNANDO $271,050 Spring Hill, Brooksville, Weeki Wachee, Aripeka, Bayport, Brookridge, Garden Grove, Hernando Beach, High Point, Hill ‘n Dale
HIGHLANDS $271,050 Avon Park, Sebring, Lake Placid, Avon Park Lakes, Brighton, Cornwell, DeSoto City, Fort Basinger, Fort Kissimmee, Hicoria
HILLSBOROUGH $271,050 Plant City, Tampa, Temple Terrace, Apollo Beach, Balm, Bloomingdale, Boyette, Brandon, Carrollwood, Carrollwood Village
HOLMES $271,050 Bonifay, Ponce De Leon, Westville, Esto, Noma, Bethlehem, Prosperity, Gritney, Cerrogordo, Pittman
INDIAN RIVER $271,050 Fellsmere, Sebastian, Vero Beach, Indian River Shores, Orchid, Blue Cypress Village, Cummings, Florida Ridge, Gifford, Nevins
JACKSON $271,050 Graceville, Jacob City, Marianna, Alford, Bascom, Campbellton, Cottondale, Grand Ridge, Greenwood, Malone
JEFFERSON $271,050 Monticello, Alma, Ashville, Aucilla, Capps, Casa Blanco, Cody, Dills, Drifton, Fanlew
LAFAYETTE $271,050 Mayo, Airline, Alton, Cooks Hammock, Day, Hatchbend, Midway
LAKE $268,850 Clermont, Eustis, Fruitland Park, Groveland, Leesburg, Mascotte, Minneola, Mount Dora, Tavares, Umatilla
LEE $270,750 Bonita Springs, Cape Coral, Estero, Fort Myers, Fort Myers Beach, Sanibel, Alva, Boca Grande, Bokeelia, Buckingham
LEON $271,050 Tallahassee, Black Creek, Baum, Bloxham, Bradfordville, Capitola, Centerville, Chaires, Chaires Crossroads, Gardner
LEVY $271,050 Cedar Key, Chiefland, Fanning Springs, Otter Creek, Williston, Yankeetown, Bronson, Inglis, Andrews, East Bronson
LIBERTY $271,050 Bristol, Estiffanulga, Hosford, Orange, Rock Bluff, Sumatra, Telogia, White Springs, Wilma, Woods
MADISON $271,050 Madison, Greenville, Lee, Cherry Lake, Hamburg, Hanson, Hopewell, Lamont, Lee, Lovett
MANATEE $336,100 Anna Maria, Bradenton, Bradenton Beach, Holmes Beach, Palmetto, Longboat Key, Bayshore Gardens, Cortez, Ellenton, Memphis
MARION $200,160 Belleview, Dunnellon, Ocala, McIntosh, Reddick, Anthony, Citra, Early Bird, Fort McCoy, Marion Oaks
MARTIN $276,640 Stuart, Jupiter, Ocean Breeze, Sewall’s Point, Hobe Sound, Hutchinson, Indiantown, Jensen Beach, North River Shores, Palm City
MIAMI-DADE $345,000 Aventura, Bal Harbour, Bay Harbor Islands, Biscayne Park, Coral Gables, Cutler Bay, Doral, El Portal, Florida City, Golden Beach
MONROE $529,000 Key West, Marathon, Key Colony Beach, Layton, Islamorada, Stock Island, Big Coppitt Key, Cudjoe Key, Big Pine Key, Duck Key
NASSAU $316,250 Fernandina Beach, Callahan, Hilliard, Amelia City, American Beach, Andrews, Becker, Boulogne, Bryceville, Chester
OKALOOSA $327,750 Crestview, Destin, Fort Walton Beach, Laurel Hill, Mary Esther, Niceville, Valparaiso, Cinco Bayou, Shalimar, Baker
OKEECHOBEE $271,050 Okeechobee, Ancient Oaks, Barber Quarters, Basinger, Basswood Estates, Country Hills Estates, Cypress Quarters, Deans Court, Dixie Ranch Acres, Duberry Gardens
ORANGE $274,850 Apopka, Bay Lake, Belle Isle, Edgewood, Lake Buena Vista, Maitland, Ocoee, Orlando, Winter Garden, Winter Park
OSCEOLA $274,850 Kissimmee, St. Cloud, Buenaventura Lakes, Bull Creek, Campbell, Celebration, Deer Park, Harmony, Holopaw, Kenansville
PALM BEACH $345,000 Atlantis, Belle Glade, Boca Raton, Boynton Beach, Briny Breezes, Cloud Lake, Delray Beach, Glen Ridge, Golf, Greenacres
PASCO $271,050 Dade City, New Port Richey, Port Richey, San Antonio, Zephyrhills, St. Leo, Aripeka, Bayonet Point, Beacon Square, Connerton
PINELLAS $271,050 Belleair Beach, Belleair Bluffs, Clearwater, Dunedin, Gulfport, Indian Rocks Beach, Largo, Madeira Beach, Oldsmar, Pinellas Park
POLK $271,050 Auburndale, Bartow, Davenport, Eagle Lake, Fort Meade, Frostproof, Haines City, Lake Alfred, Lakeland, Lake Wales
PUTNAM $271,050 Crescent City, Palatka, Interlachen, Pomona Park, Welaka, Bardin, Bostwick, Carraway, East Palatka, Edgar
SANTA ROSA $271,050 Gulf Breeze, Milton, Jay, Allentown, Avalon, Bagdad, Berrydale, Chumuckla, East Milton, Holley
SARASOTA $285,200 Sarasota, North Port, Venice, Longboat Key, Bee Ridge, Desoto Lakes, Englewood, Fruitville, Gulf Gate Estates, Kensington Park
SEMINOLE $274,850 Sanford, Oviedo, Altamonte Springs, Winter Springs, Casselberry, Lake Mary, Longwood, Chuluota, Fern Park, Forest City
ST. JOHNS $316,250 St. Augustine, St. Augustine Beach, Hastings, Marineland, Butler Beach, Bakersville, Crescent Beach, Elkton, Flagler Estates, Fruit Cove
ST. LUCIE $316,250 Fort Pierce, Port St. Lucie, St. Lucie Village, Tradition, Fort Pierce North, Fort Pierce South, South Hutchinson Island, Indian River Estates, Lakewood Park, River Park
SUMTER $287,500 Bushnell, Center Hill, Coleman, Webster, Wildwood, Lake Panasoffkee, Linden, Mabel, Orange Home, Oxford
SUWANNEE $271,050 Live Oak, Branford, Beachville, Dickert, Dowling Park, Ellaville, Falmouth, Fort Union, Hildreth, Houston
TAYLOR $271,050 City of Perry, Athena, Bucell Junction, Clara, Dekle Beach, Eridu, Fenholloway, Fish Creek, Foley, Hampton Springs
UNION $271,050 Lake Butler, Raiford, Worthington Springs
VOLUSIA $271,050 Daytona Beach, Daytona Beach Shores, DeBary, DeLand, Deltona, Edgewater, Holly Hill, Lake Helen, New Smyrna Beach, Oak Hill
WAKULLA $271,050 Sopchoppy, St. Marks, Arran, Buckhorn, Crawfordville, Curtis Mills, Hyde Park, Medart, Panacea, Port Leon
WALTON $327,750 DeFuniak Springs, Freeport, Paxton, Argyle, Bruce, Eucheanna (Euchee Valley), Glendale, Grayton Beach, Miramar Beach, Mossy Head
WASHINGTON $271,050 Chipley, Vernon, Caryville, Ebro, Wausau, Crow, Five Points, Gilberts Mill, Greenhead, Hinson’s Crossroads

Our Florida loan originators will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs. 




Updated: December 2019.

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"Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
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All Information Subject To Change Without Notice and should not be relied on for decision making.