Insurance is part of the payment
Homeowners insurance, and in some areas flood insurance, can materially change affordability in Florida. Quote early in the contract period.
Florida markets
Mortgage guidance for buyers, homeowners and investors across Florida
Core Financial, Inc. (NMLS #252580) serves borrowers throughout the state of Florida — from the Gulf Coast to South Florida to Central Florida and everywhere between. Whether you are buying a first home in Bradenton, refinancing in Wellington or acquiring a rental in Orlando, the financing decision deserves the same rigor as any other major financial decision.
Florida is not one housing market. Insurance costs, HOA and condo association structures, flood zones, seasonal demand and investor competition vary dramatically by county. We build your loan structure around the market you are actually buying in.
Areas served
- Sarasota
- Lakewood Ranch
- Bradenton
- Palm Beach County
- West Palm Beach
- Wellington
- Boynton Beach
- Lake Worth
- Jupiter
- Orlando
- Central Florida
Core Financial, Inc. works with borrowers throughout Florida.
Buying here
What buyers in this market should plan for
Condo and HOA review
Association reserves, assessments and project approval status can affect both financing eligibility and monthly cost.
Property taxes and homestead
Assessed value and exemption status can shift after a sale. Budget on likely future taxes, not the seller's current bill.
Financing
Programs used most in this market
Conventional
Primary, second home and investment financing with removable mortgage insurance options.
FHA and VA
Flexible and veteran-focused programs for eligible Florida buyers.
Jumbo
Higher-balance financing for coastal and luxury properties.
DSCR and investor
Cash-flow based qualification for rental property acquisitions.
Investors
Investment property financing
Florida remains one of the most active investor markets in the country. We work with buyers financing long-term rentals, seasonal rentals and portfolio acquisitions using conventional investor financing and DSCR structures.
Run the numbers
Estimate a monthly payment in Florida
Adjust price, down payment, taxes, insurance and HOA to see a full estimated payment.
$
Down payment
20% · $95,000
%
yrs
$
$
$
%
Not applied at or below 80% LTV.
$
Estimated monthly payment
$3,219
Principal & interest$2,402
Property taxes$517
Homeowners insurance$300
Mortgage insurance (PMI)$0
HOA$0
Loan amount$380,000
Down payment$95,000 (20.0%)
Total principal & interest over term$864,669
Total interest$484,669
Want numbers based on your actual situation?
These estimates use assumptions you entered. A real scenario accounts for your credit, program, property and current pricing.
Your team
Talk to a licensed loan originator
- 25+ years in finance & markets
- University of Florida — Finance
- Former Morgan Stanley advisor
- Trading & hedge fund background
- Mortgage strategy & education
- Originating since 2006
- ~20 years mortgage experience
- 60+ transactions in the past year
- Conventional · FHA · VA · Jumbo
- DSCR · Bank Statement · Non-QM
Florida mortgage FAQs
Next step
Want numbers based on your actual situation?
Book a short consultation with Chris or Jesse — no obligation, just a straight answer about your options.