Florida Home Purchase Loans
Find the best loan for your dream home—fast and easy.
Your Path to Florida Home Purchase Loans Made Easy
Buying a home is one of the biggest financial decisions you’ll ever make, and the right financing can make all the difference. At SureRate Mortgage, we simplify the process of finding the best Florida home purchase loans by comparing programs from dozens of lenders on your behalf. Instead of juggling multiple applications and credit pulls, you’ll get one streamlined pre-approval with competitive options tailored to your goals. Whether you’re a first-time buyer, moving up to your dream home, or relocating to Florida, we’ll guide you step by step—from application to closing—with clarity and confidence.
Key Benefits
Simple, Fast, and Transparent
Get Your Florida Home Loan in 3 Easy Steps
Buying a home has never been simpler. Follow these three quick steps to get pre-approved, compare top lenders, and move confidently toward closing on your dream home
1. Apply Online
Fill out your quick online form
Takes just a few minutes
Provide basic info and goals
Start your homebuying journey.
2. Get Pre-Approved
Receive personalized loan options
Compare top lenders instantly
Know exactly what you qualify for
Make informed decisions with confidence
3. Start Shopping for Your Home
Use your pre-approval to explore listings
Tour homes within your budget
Make offers with confidence
Move closer to your dream property
Buyer Benefits
Powerful Advantages for Homebuyers
Personalized loan matching
We analyze dozens of lenders to find the loan that fits your unique situation.
Get options tailored to your budget, timeline, and homebuying goals.
Competitive interest rates
Benefit from some of the best rates in Florida without extra hassle.
We negotiate on your behalf to save you money over the life of your loan.
One pre-approval, multiple lenders
Avoid multiple credit pulls and confusing applications.
Get a clear picture of your financing options in a single, simple process.
Guidance from start to finish
Our team is with you every step of the way—from application to closing.
We make sure you understand each stage so homebuying is stress-free and clear.
Am I Ready to Buy a Home in Florida?
Buying your first home in Florida is exciting, and choosing the right financing option is a big part of the process. When applying for Florida Home Purchase Loans, lenders will review your credit score, income stability, and debt-to-income ratio to determine eligibility. A strong starting point is having 3–6 months of steady income, a credit score of at least 620 (though higher scores often secure better rates), and enough savings for your down payment and closing costs.
Learn more about assessing home readiness from the CFPB
How Much Do I Need for a Down Payment in Florida?
Many first-time buyers think they need 20%, but Florida offers several programs with much lower requirements. FHA loans start at 3.5% down, VA and USDA loans offer 0% down, and Florida Housing programs can provide down payment assistance. On a $300,000 home, that could mean as little as $10,500 out of pocket instead of $60,000.
Explore Florida Housing’s First-Time Homebuyer Programs
What Credit Score Do I Need to Qualify for a Florida Home Loan?
Your credit score plays a major role in qualifying for Florida Home Purchase Loans. Most lenders look for a minimum score of 620 to approve a conventional loan, while FHA loans may be available with scores as low as 580. The stronger your credit profile, the more favorable your interest rate will be—potentially saving you thousands of dollars over the life of your loan.
At SureRate, we understand that not every borrower starts with perfect credit. That’s why we offer free guidance to help improve your credit score in most cases. By working with our team, you can take simple steps—such as reducing debt balances, correcting errors on your credit report, or establishing new positive trade lines—that may quickly boost your score and open the door to better financing options.
What Are Closing Costs When Buying a Home in Florida?
Understanding closing costs is essential when exploring Florida Home Purchase Loans. These fees usually range from 2–5% of the home price—for a $300,000 property, that’s about $6,000–$15,000. Typical costs include lender fees, appraisal, title insurance, and government recording charges.
Many programs allow sellers or lenders to contribute toward closing costs. Because SureRate provides both real estate and mortgage services in one place, we leverage our expertise to help borrowers minimize or offset closing costs. Most of our clients save money at the closing table, making their Florida Home Purchase Loans more affordable from day one.
See closing cost breakdown from Freddie Mac
What First-Time Homebuyer Assistance Programs Are Available in Florida?
Florida first-time buyers have access to special programs that reduce upfront costs. The Florida First Program, HFA Preferred Conventional Loan, and Florida Assist can help with down payments and closing costs. These programs are designed to make homeownership accessible even if you don’t have a large savings cushion.
Explore Florida’s official First-Time Homebuyer Assistance Programs
Unlock Your Florida Dream Home Sooner
Many first-time buyers are surprised to learn that Florida Home Purchase Loans can be more accessible than they think. With programs offering low down payments and flexible credit requirements, your path to homeownership might be closer than you realize. Our team at SureRate is here to guide you every step of the way, ensuring you find the best loan options tailored to your needs.