Florida home loans for relocators, retirees, and Floridians who already live here.

I can do your primary or second home in Maine or Florida and your rental properties in 38 states with DSCR loans, all with one broker. DSCR loans are for investment properties only. Your own home is financed separately, with a loan program that fits how you'll live in it. Call or text 207-615-7770.

I check condo project approval, flood-zone designation and insurance availability before recommending a Florida loan. Those details can affect qualification even when the buyer's income and credit fit.

Home in a land lease community? See leased land home loans.

• Relocation buyers moving from out of state
• Florida FHA loans for first time and lower down payment buyers
• Florida VA loans for veterans and active duty
• Conventional and jumbo for higher price points
• Asset depletion lending for asset rich buyers
• ITIN home loans for eligible buyers who file taxes with an ITIN
• Self employed mortgages using tax returns, bank statements, 1099s or a P&L
• Bridge loans when timing is everything

Compare bank statement loans, 1099 mortgages, and other specialty mortgages. Healthcare professionals can read the nurse loan guide or physician loan guide for doctor loans, then request a healthcare homebuying session.

I also review Florida ITIN home loans and Florida self employed mortgages using documentation that fits your file. Not everyone will qualify.

Comparing standard options? Start with a Florida conventional loan, and if you need to buy before your current home sells, read about the Florida bridge loan.

That changes the math. I am licensed in Maine too, so I can structure both ends of the deal at once. See the Maine to Florida relocation guide for the full playbook, or run the numbers at Maine Florida Collective's cost calculator.

I ask whether your Florida home will be a primary home, second home or investment. Tell me how you intend to use it so I can review the appropriate program.