Whether you are dreaming of a primary residence, a second home or a move closer to family, buying in Florida comes with its own details. Trust Home Financial is a mortgage broker Helping Florida Home Buyers and Home Owners understand their financing choices before they make an offer.
Florida housing includes single-family homes, condominiums and townhomes, and each can carry different financing requirements. Condominium projects, for example, may need to meet lender and program standards. Homes in designated flood zones may require flood insurance, and homeowners insurance costs can vary by location and property, so we encourage you to factor these into your monthly budget early.
Purchase: We offer Conventional, FHA, VA and USDA loans, Jumbo financing for higher-priced homes, and Non-QM programs for borrowers with non-traditional income. Florida Housing Finance Corporation administers programs for eligible buyers that may be worth exploring.
Refinance: Review whether changing your term, payment or loan type fits your goals, and weigh the closing costs.
Home Equity: Use your home's value for improvements, such as storm-related upgrades or renovations, or for other financial goals.
Our company is headquartered in Hagerstown, Maryland, and is licensed to lend in Florida. We keep communication clear and will explain the documents, timeline and estimated costs so you know what to expect at each stage.
Before you apply, it helps to gather recent pay stubs, bank statements and tax documents. If you are buying a second home or an investment property, let us know early, because requirements and documentation can differ from a primary residence. We are happy to review your numbers and answer questions before you submit anything.
Do condos have different loan requirements in Florida?
They can. Lenders and programs may review the condominium project itself in addition to your finances, so ask us early.
Will I need flood insurance?
If the property is in a designated flood zone and the loan requires it, yes. Your insurance agent can tell you what applies to a specific address.
Which Purchase loans do you offer in Florida?
Conventional, FHA, VA, USDA, Jumbo and Non-QM options are available, depending on your profile and the property.
Tell us about your Florida plans. Call (888) 392-5321 or start at https://www.trusthomefinancial.com.
Subject to approval. NMLS 2567578. Trust Home Financial LLC. NMLS 2567578. Equal Housing Opportunity.