Florida Home Loans

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Customizing mortgages to suit your one-of-a-kind goals.

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Buy Your First Home

Utilize a Florida first-time home buyer loan for your dream residence, ensuring a secure and comfortable living space.

Second Home Investment

Secure a second property with a home loan, taking advantage of market conditions and expanding your real estate portfolio.

Home Renovations

Finance property enhancements, renovations, or expansions using a florida home loan to boost both value and comfort.

Debt Consolidation

Streamline high-interest debts with a Florida home loan, reducing overall interest payments and improving financial stability.

Investment Property

Diversify your portfolio by purchasing an investment property with potential rental income or long-term profits.

Emergency Fund

Tap into your home's equity for unexpected expenses or financial emergencies, creating a safety net for unforeseen costs.

Why HLRI for home loan?

Buy Now,
Save Later

Exclusive rates on 30-year terms, plus enjoy a waived admin fee when refinancing.

Flexible
Term Choices

Select from 10, 15, 20, and 30-year fixed terms to find the perfect fit for your needs.

Seamless Online Application with Personalized Support

Our user-friendly online application streamlines the home buying journey, guided by dedicated Mortgage Loan Officers.

Low Down Payment Options

Down payments as low as 3% for first-timers or 5% for others, including lower options for government-backed loans. Discover our tailored first-time home buyer loan in Florida and explore competitive home loans in Florida with HLRI.

Easy Home Loan Options for Every Individual’s Needs

Florida home loan calculator

Calculate your potential savings swiftly

Easily access potential financial benefits, including first-time home buyer loans in Florida. Get quick home loans in Florida.

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Home Loan Options in Florida


Compare & choose what suits you the best

Feature FHA Loan VA Loan USDA Loan Conventional Loan
Down Payment ✔Low (3.5% minimum) ✖None (in most cases) ✔Low (0% down) ✔Typically higher
Credit Score Requirements ✔More flexible ✔More flexible ✔More flexible ✔Generally higher
Mortgage Insurance ✔Required ✖Typically none ✔Required ✔Sometimes required
Eligibility ✔Limited ✔Eligible veterans,
active-duty service members,
and certain others 		✔Income
and location-based 		✔Broad eligibility
Property Eligibility ✔Broad eligibility ✔Must meet VA standards ✔Rural areas ✔Broad eligibility
Loan Limits ✔Varies by area ✖No VA-specific limits ✔Varies by area ✔Typically higher
Seller Contributions ✔Allowed ✔Allowed ✔Allowed ✔Allowed
Funding Fee ✔Yes (can be rolled into the loan) ✔Yes (but waived for some disabled veterans) ✔Yes (can be rolled into the loan) ✖None
Interest Rates ✔Competitive ✔Competitive ✔Competitive ✔Competitive
Apply
FHA 		Apply
VA 		Apply
USDA 		Apply Conventional

Florida Home Loan Eligibility

Your ideal home is calling - assess your loan compatibility

  • Maintain a credit score of 620 or above, showcasing responsible debt management.

  • Ensure a stable income source for consistent mortgage payments.

  • Contribute a down payment, typically 3-20% of the home's purchase price, reducing the loan amount.

  • Keep your DTI at 43% or lower, demonstrating manageable debt-to-income ratio

  • Maintain a steady employment history, often requiring two years of consistent work.

  • The property meets appraisal requirements to align with the loan amount.

  • Confirm legal residency or citizenship in florida.

  • Provide accurate and complete documentation of your financial situation, covering income, assets, and debts.

  • Meet specific requirements for your chosen home loan type, be it FHA, VA, USDA, or conventional. Explore first-time home buyer loan options in Florida

First time home buyer loan in florida requirements

Gather these necessary documents ready.

  1. Proof of Income

    • Pay stubs (typically covering the last 30 days)

    • W-2 forms for the past two years

    • Tax returns for the past two years (if self-employed)

    • Evidence of additional income sources (e.g., rental income, alimony, investments)

  2. Employment Verification

    • Verification of employment letter

    • Contact information for your employer

  3. Bank Statements

    • Bank statements for the past two to three months for all accounts

    • Statements for any other assets (e.g., investment accounts, retirement accounts)

  4. Credit Report

    • Make sure to review your credit report for accuracy beforehand.

  5. Identification

    • Government-issued photo ID (e.g., driver's license, passport)

Initiate your homeownership dreams now -
Start right here!


Start your homeownership journey with a click. Complete our online application for approval today, including home loans, and first-time home buyer loans in Florida.


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