financing your home.
BRING HOME WITHIN REACH
START WITH CONFIDENCE
KNOW YOUR BUYING POWER
A preapproval can give you a clearer picture of your potential price range, estimated monthly payment, and financing options before you begin your home search. With the right information in hand, you can shop with greater confidence and be ready when the right home comes along.
MORE WAYS TO MOVE FORWARD
EXPLORE FINANCING OPTIONS
No two homebuyers are exactly alike—and neither are their financing needs. Depending on your goals and qualifications, options may include conventional, FHA, VA, USDA, jumbo, first-time buyer, down-payment assistance, and other specialized loan programs.
SEE THE BIGGER PICTURE
UNDERSTAND THE NUMBERS
A comfortable home budget involves more than the purchase price. Your lending professional can help you consider your estimated principal and interest, property taxes, homeowners' insurance, mortgage insurance, association fees, and other potential housing expenses.
Our lending partners
Ready when you are
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
(305) 609-4909 · aacosta@prmg.net
Questions buyers ask
Financing a home in Florida
How much do I need for a down payment?
It depends on the loan. Some programs allow as little as a few percent down, VA and some USDA loans can allow none, and conventional loans with 20% down avoid mortgage insurance. Florida also has down payment assistance programs for eligible buyers; a lender can tell you which you qualify for.
Should I get pre-approved before touring homes?
Yes. A pre-approval tells you your real price range and monthly payment, and sellers take an offer with one more seriously. Use our affordability calculator first, then talk with one of the lenders above.
What else goes into my monthly payment?
Besides principal and interest, Florida payments usually include property taxes, homeowners insurance, flood insurance in some areas, and an HOA fee in many communities. Each town page, such as Orlando or Tampa, shows typical taxes and HOA fees there.