Mortgage Broker in Florida
Condos, coastal insurance, and jumbo files handled by a broker who shops the whole network.
StatewideLicensed across Florida.
A Florida mortgage broker who shops the whole network
Florida is a coastal-insurance and condo state as much as a mortgage state. Wind, flood, and hurricane exposure shape what lenders require, and condo financing turns on project approval and whether a building is warrantable. Add in a steady stream of relocation and second-home buyers and you get files that rarely fit a single lender’s appetite.
We are a broker, so we shop one application across a wholesale lender network. That breadth matters in Florida, where a non-warrantable condo, a coastal jumbo, or an investment property can each need a specific lender.
Licensed across Florida and working remotely, we handle Miami, Tampa, Orlando, Jacksonville, Naples, and the panhandle on the same secure process.
Areas we finance across Florida
Coastal price points push many purchases into jumbo territory, and condo and insurance requirements vary building to building. We confirm project approval and insurance early so the file is structured before you write an offer.
Loan programs for Florida buyers and owners
VA Loans
No down payment and no monthly mortgage insurance for eligible service members and veterans.
Learn more →FHA Loans
Lower down payment and flexible qualifying for first-time and move-up buyers.
Learn more →Conventional Loans
Competitive terms for buyers with steady income and solid credit.
Learn more →USDA Loans
Zero-down financing in eligible areas across the state.
Learn more →Refinance
Lower the rate or term, or pull cash out, on a home you already own.
Learn more →Home Loans
See every major purchase program side by side in one place.
Learn more →What shapes the Florida market
Coastal insurance and flood
Wind, flood, and hurricane exposure change what lenders require. We identify insurance and elevation requirements up front so they do not stall closing.
Condo and non-warrantable files
Condo financing depends on project approval and warrantability. Shopping across a network keeps lenders that handle non-warrantable projects in play.
Jumbo and second homes
Coastal and resort price points often exceed conforming limits. We compare jumbo and second-home structures so the loan fits the property and the use.
Why Florida is personal for us
Jason was born in Miami, so Florida is where his story starts. Home Loans Inc is licensed in Florida, and we help buyers and homeowners across the state shop financing on one application.
South Florida
Miami-Dade and Broward, from the city Jason was born in out to the suburbs.
Jacksonville
The First Coast and its growing northeast Florida suburbs.
Orlando
Central Florida and the communities ringing the metro.
Tampa Bay
The Gulf-side metro from Tampa to St. Petersburg and Clearwater.
Southwest Florida
Fort Myers, Naples, and the coast to the south.
The Panhandle
Pensacola, Destin, and the northwest Gulf communities.
Wherever you are in Florida, we shop your loan across a wholesale lender network instead of a single bank’s menu, and we keep the file moving from application to closing.
Talk to a VA loan specialist
Home Loans Inc: Jason Sharon, Mortgage Broker
2557 Ashley Phosphate Rd, North Charleston, SC 29418