Licensed Mortgage Lender in Florida
Licensed Mortgage Lender in Florida
Florida Home Loans Done Right. Licensed, Trusted, and Ready to Close.
Direct Rate is a licensed Florida mortgage lender with 500+ five-star reviews. Florida is one of the fastest-growing states in the country - and one of the most competitive real estate markets. Our team has the programs, the experience, and the speed to get you to closing with confidence.
Why Florida Buyers and Homeowners Choose Direct Rate
- Licensed Florida mortgage lender - NMLS ID 2320473
- 500+ five-star reviews from homeowners across the country
- Experienced in Florida's fast-moving and competitive markets
- VA loan experts - Florida has one of the largest veteran populations in the US
- All 9 loan programs available - one lender for every situation
- Pre-approvals ready in 24 hours with a complete file
- Clear communication and no surprises from application to closing
Every Loan Program Available in Florida
One lender. Every program. We find the right fit for you.
Conventional Mortgage
Competitive rates. PMI removable at 20% equity. Best for buyers with solid credit.
FHA Home Loans
3.5% down. Flexible credit. Great for first-time buyers in Florida.
VA Home Loans
0% down. No PMI. For eligible veterans and active-duty military in Florida.
USDA Home Loans
0% down in eligible Florida areas. More communities qualify than most people think.
Fixed Rate Mortgages
One rate. One payment. Locked in for the life of your loan.
Jumbo Loans
Florida's luxury and waterfront markets often require jumbo financing. We handle high-value purchases across the state.
Mortgage Refinancing
Lower your rate, access equity, or remove mortgage insurance.
Reverse Mortgages
For Florida homeowners 62+ looking to access equity in retirement.
FHA 203k Renovation
Buy a fixer-upper and finance the renovations in one single Florida loan.
Florida is One of the Top States for VA Home Loans - and We Know Why
Florida has one of the largest veteran populations in the United States. Cities like Jacksonville, Tampa, and Pensacola have significant military communities - and our VA loan team has the experience to serve them.
- Florida ranks among the top 5 states for VA loan usage nationwide
- 0% down payment for eligible veterans and active-duty military
- No monthly mortgage insurance
- VA IRRRL streamline refinance available for existing VA loan holders
- We confirm your Certificate of Eligibility as part of the pre-approval process
Serving Florida Veterans and Military Families
Florida is home to some of the country's most active military installations. Our VA loan advisors understand the specific needs of Florida's military communities.
- Naval Air Station Jacksonville - Jacksonville
- MacDill Air Force Base - Tampa
- Naval Air Station Pensacola - Pensacola
- Eglin Air Force Base - Fort Walton Beach
- Patrick Space Force Base - Brevard County
- Naval Station Mayport - Jacksonville
0% down. No monthly mortgage insurance.
Competitive rates. If you have earned the VA benefit, our team will make sure you get every advantage it offers.
Call Now (210) 909-6999 →Serving All of Florida
We are licensed to lend throughout the entire state of Florida.
Don't see your city? We serve all of Florida. Get in touch and we will help.
See What Your Monthly Payment Could Look Like in Florida
Use our free mortgage calculator to get a quick estimate - then speak with a licensed advisor to get your real numbers.
Common Questions About Getting a Mortgage in Florida
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Ready to Qualify in Florida?
Expert local guidance, competitive rates, and a team ready to close your Florida home loan on time.