Find the Best Mortgage Lenders in South Florida - US Prime Realty
Discover the best South Florida mortgage lenders offering competitive rates and specialized loan programs for luxury properties, residential homes, and commercial investments across Miami, Naples, Cape Coral, and Orlando.
Compare Top-Rated Mortgage Lenders
Our carefully selected network of South Florida mortgage lenders offers competitive rates and specialized programs for every property type. Compare options and find the perfect fit for your home financing needs.
Wells Fargo Home Mortgage
6.875% APR*
Specialties: Conventional, FHA, VA, Jumbo loans
Best For: First-time buyers, luxury properties
Local Presence: Multiple South Florida branches
Bank of America
6.750% APR*
Specialties: Conventional, Jumbo, Investment properties
Best For: High-net-worth clients, portfolio lending
Local Presence: Miami, Naples, Orlando offices
SunTrust (now Truist)
6.625% APR*
Specialties: FHA, VA, USDA, First-time buyer programs
Best For: Military veterans, rural properties
Local Presence: Strong Florida network
Fifth Third Bank
6.900% APR*
Specialties: Conventional, Jumbo, Commercial loans
Best For: Investment properties, commercial real estate
Local Presence: Cape Coral, Naples markets
PNC Bank
6.800% APR*
Specialties: Conventional, FHA, Portfolio lending
Best For: Self-employed borrowers, unique properties
Local Presence: Miami-Dade, Broward counties
Rocket Mortgage
6.950% APR*
Specialties: Digital-first process, Conventional, FHA
Best For: Tech-savvy buyers, fast closings
Local Presence: Online with local support
*Rates shown are examples and subject to change. Actual rates depend on credit score, down payment, and other factors. Contact lenders directly for current rates and terms.
Mortgage Loan Options for Every South Florida Property
Whether you’re buying your first home, upgrading to a luxury property, or investing in commercial real estate, we have lenders specializing in every type of South Florida financing.
Conventional Loans
Down Payment: As low as 3%
Credit Score: 620+ typically
Best For: Traditional home purchases, good credit borrowers
Benefits: No mortgage insurance with 20% down, competitive rates, flexible terms
Jumbo Loans
Loan Limits: Above $766,550 (2024)
Credit Score: 700+ preferred
Best For: Luxury properties in Miami, Naples waterfront homes
Benefits: Higher loan amounts, portfolio lending options, competitive rates for qualified buyers
FHA Loans
Down Payment: As low as 3.5%
Credit Score: 580+ with 3.5% down
Best For: First-time buyers, lower credit scores
Benefits: Government backing, flexible qualification, assumable loans
VA Loans
Down Payment: $0 down available
Credit Score: No minimum (lender dependent)
Best For: Military veterans, active duty service members
Benefits: No down payment, no PMI, competitive rates, reusable benefit
Commercial Loans
Down Payment: 20-30% typically
Terms: 5-25 years
Best For: Investment properties, commercial real estate
Benefits: Higher loan amounts, portfolio building, tax advantages
Foreign National Programs
Down Payment: 30-40% typically
Documentation: International income accepted
Best For: International luxury buyers
Benefits: No US credit history required, asset-based qualifying, portfolio options
Calculate Your South Florida Home Loan
Use our comprehensive mortgage calculators to estimate payments, determine affordability, and plan your South Florida home purchase or refinance.
Monthly Payment Calculator
Calculate principal, interest, taxes, and insurance for your South Florida home.
Affordability Calculator
Determine how much house you can afford based on your income and debts.
Refinance Calculator
Compare your current loan with potential refinance options and savings.
Closing Cost Estimator
Estimate total closing costs for buying or refinancing in Florida
South Florida Real Estate Market Updates
Stay informed with the latest mortgage rates, market trends, and property insights across our South Florida markets.
Current Market Snapshot (September 2025)
Average 30-Year Rate:
6.75% – 7.25%
Miami Median Home Price:
$485,000
Naples Luxury Market:
$1.2M median
Days on Market:
45-60 days average
Regional Market Trends
Miami-Dade County
Strong luxury condo market with international buyer interest. Average price: $485,000. Best financing: Jumbo loans, foreign national programs.
Collier County (Naples)
Premium retirement destination with luxury properties. Average price: $650,000. Best financing: Conventional, jumbo loans for high-net-worth buyers.
Lee County (Cape Coral)
Family-friendly market with new construction. Average price: $425,000. Best financing: FHA, VA, conventional loans.
Orange County (Orlando)
Growing market with tourism and tech influence. Average price: $375,000. Best financing: FHA, conventional, investment property loans.
Your Guide to Home Financing in Florida
Navigate the Florida mortgage process with confidence using our comprehensive educational resources and expert guidance.
First-Time Buyer Guides
• Florida First-Time Homebuyer Programs
• Down Payment Assistance Options
• Credit Score Requirements by Loan Type
• Florida-Specific Buying Process
Luxury Property Financing
• Jumbo Loan Requirements and Strategies
• Portfolio Lending for High-Net-Worth Buyers
• International Buyer Financing Options
• Luxury Market Trends and Timing
Investment Property Loans
• Commercial Real Estate Financing
• Rental Property Investment Strategies
• DSCR (Debt Service Coverage Ratio) Loans
• 1031 Exchange Financing
Refinancing Options
• When to Refinance in Florida’s Market
• Cash-Out Refinance Strategies
• Streamline Refinance Programs
• Rate and Term vs. Cash-Out Comparison
Get Pre-Approved for Your South Florida Home
Start your home buying journey with confidence. Our streamlined pre-approval process connects you with trusted lenders and gives you a competitive edge in South Florida’s market.
1
Choose Your Lender
Select from our network of trusted South Florida lenders based on your needs and property type.
2
Complete Application
Fill out the online application with your financial information and employment details.
3
Submit Documents
Provide required documentation for income, assets, and credit verification.
4
Receive Pre-Approval
Get your pre-approval letter typically within 24-48 hours for most loan types.
5
Start House Hunting
Begin searching with confidence knowing your budget and financing are secured.
Required Documents Checklist
Income Verification:
- • Last 2 pay stubs
- • 2 years tax returns
- • W-2 forms
- • Employment verification letter
Asset Documentation:
- • 2 months bank statements
- • Investment account statements
- • Gift letter (if applicable)
- • Retirement account statements
Additional Items:
- • Driver’s license or ID
- • Social Security card
- • Credit report authorization
- • Divorce decree (if applicable)
Frequently Asked Questions About South Florida Mortgages
Most conventional loans require a 620+ credit score, FHA loans accept scores as low as 580 with 3.5% down, and VA loans have no minimum score requirement (though lenders typically prefer 580+). For luxury properties requiring jumbo loans, most lenders prefer scores of 700 or higher.
Luxury properties typically require 10-20% down for jumbo loans, though some portfolio lenders accept as little as 10%. Foreign nationals usually need 30-40% down. A larger down payment can help secure better rates and terms, especially for properties over $1 million.
Florida closing costs typically range from 2-5% of the purchase price. This includes title insurance, attorney fees, recording fees, and lender charges. Florida does not have a state income tax, but there are documentary stamp taxes on deeds and mortgages.
The typical mortgage process takes 30-45 days from application to closing. However, cash deals and certain loan programs can close faster. Luxury properties and complex financial situations may take longer due to additional underwriting requirements.
Yes! Florida offers several programs including the Florida Housing Finance Corporation’s first-time buyer programs, State Housing Initiatives Partnership (SHIP) for down payment assistance, and various county-specific programs. Military members have access to VA loans, and USDA loans are available in eligible rural areas.
Yes, many lenders offer foreign national mortgage programs for international buyers. These typically require 30-40% down, higher interest rates, and asset-based qualifying rather than traditional income verification. Portfolio lenders often have more flexible programs for high-net-worth international clients.
Why Choose US Prime Realty's Preferred Lenders
When you work with US Prime Realty, you gain access to our exclusive network of preferred lenders and benefit from our established relationships and local expertise.
Pre-Negotiated Benefits
Our preferred lenders offer special rates, reduced fees, and expedited processing for US Prime Realty clients. We’ve negotiated exclusive benefits you won’t find elsewhere.
Streamlined Communication
Direct communication between your agent and lender ensures smooth coordination, faster problem resolution, and timely closing. No more playing telephone between parties.
Local Market Expertise
Our lenders understand South Florida’s unique market conditions, from condo association requirements to flood zone considerations and international buyer needs.
Priority Processing
U.S. Prime Realty clients receive priority processing and dedicated support, helping you close faster and compete more effectively in multiple offer situations.
Pre-Negotiated Benefits
Our preferred lenders offer special rates, reduced fees, and expedited processing for US Prime Realty clients. We’ve negotiated exclusive benefits you won’t find elsewhere.
Streamlined Communication
Direct communication between your agent and lender ensures smooth coordination, faster problem resolution, and timely closing. No more playing telephone between parties.
Local Market Expertise
Our lenders understand South Florida’s unique market conditions, from condo association requirements to flood zone considerations and international buyer needs.
Priority Processing
U.S. Prime Realty clients receive priority processing and dedicated support, helping you close faster and compete more effectively in multiple offer situations.
Our Track Record
Connect with Lending Experts in Your Area
Our team of real estate and lending professionals is ready to help you navigate South Florida’s mortgage landscape. Contact the office nearest you for personalized service.
Miami Office
- Specializing in: Downtown condos, luxury high-rises, international buyers, commercial properties
- Address: 1234 Brickell Avenue Miami, FL 33131
- Phone: (305) 555-0100
Naples Office
- Specializing in: Luxury waterfront homes, golf course communities, retirement properties, portfolio lending
- Address: 5678 Gulf Shore Boulevard
Naples, FL 34108 - Phone: (239) 555-0200
Cape Coral Office
- Specializing in: New construction, family homes, VA loans, first-time buyers
- Address: 9012 Pine Island Road
Cape Coral, FL 33991 - Phone: (239) 555-0300
Orlando Office
- Specializing in: Investment properties, vacation rentals, conventional loans, tech industry professionals
- Address: 3456 International Drive
Orlando, FL 32819 - Phone: (407) 555-0400