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Home Loans in Florida

Ready to close on that charming beachside cottage? We’ve got your back. Whether you’re a first-time buyer or a real estate guru, Dash Home Loans can help you secure a Florida home loan in a jiffy.

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Florida home loans, made easy

At Dash, we didn’t reinvent the wheel, but we did make it a whole lot better. By firing the middle man (i.e., faceless loan processors) and nixing unnecessary steps, we provide Florida home buyers with a home financing journey that moves forward faster and with fewer speed bumps.

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Types of Florida Home Loans

Florida home loans are like PB&J sandwiches – the basic structure of each is the same: bread, peanut butter, and a fruit spread; however, some are served on tangy sourdough, while others are finished with a farm-fresh raspberry compote.

Not sure which Florida home loan suits your palette? Get in touch with a Dash Mortgage Coach today. These home loan experts can discuss the pros and cons of more than a dozen lending options³, helping you choose a loan that’s sweet, savory, and delicious.

Adjustable-Rate Mortgage (ARM)

A great lending tool for home buyers who want to start with low payments.

FHA 203k Dream Loan

A federal home loan² that provides cash to purchase and rehab a home.

Manufactured Home Loan

Get the financing you need for a mobile or manufactured home.

Chenoa Fund™ Loan

A national down payment assistance program⁶.

Fresh Start Loan

Perfect for buyers with less-than-perfect credit or derogatory marks (think: bankruptcy).

Jumbo Loan

A lending option for properties that exceed mortgage limits set by the Federal Housing Finance Agency.

Conventional Loan

A traditional lending option backed by private financial lenders.

HUD Loan

An FDA-backed mortgage with budget-friendly closing costs.

USDA Loan

A zero-down mortgage² designed for rural home buyers.

FHA Loan

A home loan program designed for borrowers with less-than-perfect credit.

Investment Property Loan

Financing for rehabbing a fixer-upper or purchasing a rental property.

VA Loan⁵

Mortgage loans guaranteed by the VA⁶ with no money down² (in most cases) for service members, veterans, and eligible spouses.

FHA 203(h) Disaster Relief Loan

A no-down-payment loan² for homeowners whose property was damaged by a natural disaster.

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We've Got You Covered

Feeling Overwhelmed? We Can Help.

Are your palms starting to get a little sweaty? Take a deep breath and check out the Dash Guide to Home Financing. This crash course offers step-by-step tips for first-time home buyers, but it’s also a great refresh for homeowners who have been out of the real estate game for a while.

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Hear from our clients about
our home loans process

See what clients are saying about our five-star home lending process. We could go on and on about how great we are; but instead, we’ll turn the floor over to our customers. Read a few raving reviews to learn more about what makes Dash different.

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Frequently Asked Questions

Florida Home Loan FAQs

How does a mortgage work?

A mortgage is a loan that’s used to finance a home. To secure a Florida home loan, you’ll need to apply with a mortgage lender. To determine how much house you can afford, the lender will assess your debt-to-income ratio, creditworthiness, and other factors. Once approved, you can purchase your dream home. Over a set period – typically 15 to 30 years – you’ll pay back your loan plus interest.

How much will I get approved for with a USDA loan?

How much money you can borrow with a USDA loan depends on your finances. Generally speaking, the more money you make and the higher your credit score, the more you can borrow.

What is mortgage insurance?

Private mortgage insurance, also called PMI, is a type of insurance that protects lenders in the case of default. Typically, PMI is required if you don’t put down 20% on a conventional loan. However, there are some exceptions to this rule.

What happens to my USDA loan if I get married?

If you have wedding plans and are hoping to take out a USDA loan, keep in mind that tying the knot may affect your eligibility. In most parts of the country, USDA eligibility for a one- to four-member household requires that annual household income not exceed $91,900. That being said, if you get married, your spouse’s salary will factor into your total household income.

What kind of credit score do I need to buy a house in Florida?

It depends. Conventional loans generally require at least a 620 while FHA loans with a 10% down payment require a 500 or above. Just remember that a lower credit score may equate to unfavorable loan terms.

Meet Our Mortgage Coaches

Find the Right Florida Home Loan for You

Let’s face it: Getting approved for a Florida home loan can be really stressful. There’s tons of complicated paperwork, heart-wrenching rejections, and the potential to waste thousands of hard-earned dollars.

Fortunately, there’s a better solution. When you work with Dash, our Mortgage Coaches will analyze your financial circumstances to find a home loan in Florida that’s right for you. What’s even better? They’ll walk you through each and every step of the approval process – from daydreaming about that quaint beach house to closing on it.

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The Dash Blog

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Mortgage Lenders in Florida

As a Florida mortgage lender, Dash Home Loans is committed to serving home buyers across the Sunshine State. Our employees live, work, and play right here in Florida. They know the best places to nosh on fried gator bites and Dole whip, where to go surfing, and the state’s most top-secret fishing holes. (If you ask nicely, they may tell you where to cast a line).

But more importantly, Dash’s employees understand how frustrating it can be to secure a Florida home loan. That’s why they’re dedicated to offering something better. Unlike other loan officers, our employees actually want to help you find that perfect house. So, they pick up the phone when you call, provide reassurance when you need it most, and don’t stop working until you close on your dream home. That’s what we call five-star service!

For help finding the Florida home loan that best suits your needs, contact Dash Home Loans online or give us a call at 305-614-2746 today!