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Home Loans: Florida

With its warm climate, incredible school system, and excellent recreational activities, it's no surprise that Florida has a higher homeownership rate than the national average — and with the right home loans, Florida can become your home, too.
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Florida has highly competitive market conditions: it’s the second most valuable market in the United States after California. This can make it difficult to pay the purchase price for a beautiful home upfront, which is why home loans are such a popular option for Floridians.

The lender finances the majority of the home purchase, which you’ll pay back with a monthly mortgage payment. You’ll pay a small portion at the time of close, as well as additional closing fees. After this, you’ll pay the rest of the loan amount, including principal and interest, over 15, 20, or 30 years.

Your loan interest rate will affect how much you pay each month. At first, the majority of your mortgage will be toward the interest payment, which will transition to paying the principal as your home loan seasons. Your monthly installment will depend on the mortgage rate, the money you pay upfront, the loan amount, the cost of your insurance, and the lender’s terms.

Buy Your Dream Home With a Mortgage Loan

A home purchase is one of the biggest financial decisions you can make in your lifetime, which is why it's so important to have a knowledgeable lender to help you through the loan process. Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you and help you find the right home loan for your needs.
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Home loans Florida

Florida Mortgage Assistance Options

Sometimes, you need to move for work or personal reasons but don’t have the finances. Don’t worry! There are several assistance programs available in Florida to help buyers move forward.
  • Florida Housing Finance Corporation

    Formed by the state legislature 35 years ago, the Florida Housing Finance Corporation is the foremost assistance program for Florida home loans. Their options include Mortgage Credit Certificates up to $35,000 in assistance for first-time homebuyers.

  • Florida Housing Assistance

    Florida Housing offers several assistance programs for eligible buyers. One such program is the Florida Assist (FL Assist), which provides up to $10,000 for VA, USDA, FHA loans, and conventional loans. This assistance comes in the form of a non-amortizing, deferred second mortgage that does not need to be repaid.

  • FHA loans

    FHA loans are a loan type insured by the government that lets borrowers qualify with as little as 3.5% of the purchase price upfront. This loan type may also be a good option for people with lower credit scores.

  • VA Loans

    This is a loan type intended for US Service members, giving them better conditions, no monthly mortgage insurance, and no debt-to-income restrictions. At District Lending, we can help you find the best VA loan.

  • USDA Loans

    A USDA loan is perfect for borrowers in rural areas who have lower credit scores and need a loan to either purchase a property or repair their existing home at just 1% interest.

  • HUD-Approved Housing Counseling Agencies

    The U.S. Department of Housing and Urban Development (HUD) provides a list of HUD-approved housing counseling agencies in Florida. These agencies offer housing counseling services to home buyers, including assistance with buying programs and resources. You can find more information and contact details on HUD’s website.

  • First-Time Home Buyer Grants

    These grants provide financial assistance that can be used towards the down payment, closing costs, and other home loan expenses. NerdWallet provides a comprehensive list of 15 first-time home buyer grants available in Florida.

     

  • First-Time Home Buyer Grants

    These grants provide financial assistance that can be used towards the down payment, closing costs, and other home loan expenses. NerdWallet provides a comprehensive list of 15 first-time home buyer grants available in Florida.

     

The District Lending Difference

You can be assured you're in good hands when you finance your home purchase through District Lending. We make home loans easy for all Floridians, with competitive rates and personalized service that will ensure you feel confident about your loan.
  • Down Payment Counseling

    Don’t let down payments get in the way of your dream: we’ll work with you to find helpful programs based on your financial needs.

  • No Obligation Quote

    When you’re shopping for home loans, the last thing you need is for your FICO score to take a hit from report inquiries. We let you check out mortgage rates and estimate your monthly costs — all without making a credit inquiry.

  • A Variety of Mortgage Options

    There’s a loan type that’s perfect for every borrower. We’ll help you explore your loan options and match you to the best Florida mortgage. These are the main types of loans we offer:

    • FHA loans

    • VA loans

    • USDA loans

    • Conventional fixed-rate mortgages

    • Conventional adjustable-rate mortgages

    • Jumbo loans

  • Highly Advantageous Rates

    We offer adjustable-rate mortgages and fixed-rate mortgages, working hard to give our clients the best interest rate possible. For VA loans, FHA loans, jumbo loans, and more, we’ll guide you toward the right option for you — and give an excellent rate to match.

  • Refinancing Assistance

    Want a better rate, a shorter term, or some liquid funds to finance another purchase? We also refinance home loans so that you can use your equity for repairs or even a brand-new home.

    You can sign up for our free notification program so that you’re the first to know when rates drop, ensuring that you can get the best Florida mortgage on the market.

  • Assistance with Closing Costs

    We understand that the loan process is expensive: you may not have the cash on hand, and we’re proud to assist with that as well. We can roll these into your mortgage, letting you pay for them over time rather than upfront.

  • Easy Pre-Approval

    Florida homes sell fast: the average listing time is only three weeks. This means you need every advantage possible to wrap up the home loan process and get the keys to your new abode. Our online pre-approval lets you get this all-important letter in record time, giving you a competitive edge against other buyers.

  • Personalized Assistance with Mortgage Loans

    Everyone’s individual circumstances are different: a young couple buying their first home will have different concerns than those looking for refinancing options. Our lending officers will provide you with custom-tailored mortgage loans and advice. Whether you’re looking for conventional mortgages, FHA loans, USDA, or VA loans, we’ll guide you toward the right loan type for you.

  • Online Loan Calculator

    You need to know what to expect from home loans, which is why we’ve developed helpful calculators that let you estimate your monthly costs based on different factors, such as adjustable-rate mortgages versus a fixed-rate loan, the amount of money you put down, mortgage insurance premiums, and more.

Choose District Lending for Your Florida Mortgage

We at District Lending are committed to assisting you in realizing your aspirations of becoming a homeowner. You can count on personalized solutions, affordable rates, and a smooth loan application process when you choose us as your Florida mortgage lender.

To speak with a member of our staff and start the process of purchasing your dream home or refinancing a property in the sun-drenched state of Florida, get in touch with us right away.

Invest in your future with District Lending— your trusted partner in loan options.

Florida mortgage

Cities We Service In Florida

  • Tucson
  • Phoenix
  • Tucson
  • Scottsdale
  • Scottsdale
  • Sedona
  • Sedona
  • Miami
  • Orlando
  • Tampa
  • Tallahassee
  • Sarasota
  • Jacksonville

Know exactly what to expect from your loan

Get a free loan quote today and leave the guesswork behind.
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  • No documents required.
  • No commitment.
  • No fine print.
Get your free loan quoteGet your free loan quote
Buy
Home Purchase
Why District
Read about all the benefits
Process overview
Simplified and easy to understand
Apply now
Start your application
Get a quote
See your rate with no commitment
Perks
Free refinance for 3 years
Refinance with no closing costs
No closing costs
Zero costs options, what it means
Realtor credits
Get .5% towards your closing costs
18 Day closing
2X more likely to get your offer accepted
Price match guarantee
We beat competitors’ rates by .125% or more
Rate defense
Never miss out on rates dropping
Refinance
Rates
About
Reviews
Hear from our customers
Contact
Answers within 2 business hours
Meet the crew
Our experts, mission, and values
Careers
Join us in making a difference
Learn
Blog
Our knowledge at your convenience
Mortgage secrets
Short videos with tips&tricks
Video library
A short description can be here
Calculator
Calculate your mortgage payment
Apply nowGet a quote