Florida Home Loans
Florida home loans for relocators, retirees, and Floridians who already live here.
Florida is its own world (flood zones, HOAs, condo financing rules, hurricane insurance) and I close loans here every week. Whether you're moving down or already settled, I've got you.
All loans subject to credit and underwriting approval. Not all applicants will qualify. Rates, terms, and program availability are subject to change without notice. This page is for general education and is not an offer to lend or a commitment to make a loan. Travis Penny, NMLS ID #1649161, is a mortgage loan originator with Vision Mortgage, LLC, NMLS #1286953. Equal Housing Opportunity.
Can I get a Florida home loan if I am moving from out of state?
Yes, I close Florida home loans every week, for people moving down, retiring, or already living here. I am Travis Penny, a mortgage broker licensed in Florida, and I handle FHA, VA, conventional, jumbo, asset depletion, bridge, and non warrantable condo financing.
Florida specialist
I know the lender rules, the condo gotchas, the insurance landscape, and the local closing flow.
Relocation playbook
Buying in Florida while still owning up north? I built the playbook for that exact move.
Every program
FHA, VA, conventional, jumbo, asset depletion, bridge. We pick what fits your real situation.
Why Florida buyers work with me
Florida lending has more landmines than people expect. Condo project approvals. Flood zone surprises. Insurance availability that changes monthly. You want a broker who's lived in this market, not someone learning it on your file.
Programs I close every week
- 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
- Bridge loans when timing is everything
Cities I lend in across Florida
Local pages with neighborhood notes, insurance reality, and program fits:
Statewide coverage. Don't see your city? Call me.
Still own a home up north?
That changes the math. I lend 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.
Not sure if you're a snowbird or a full mover?
Take the 5-question quiz at Maine Florida Collective — it'll tell you whether you're a snowbird, relocator, second home buyer, or investor, and what to do next. Then call me to make it real.
Keep exploring
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.