Buying in Florida while you're still living somewhere else.
Out of state purchases are my home turf. I'll handle approval, property search support, and closing without you flying back and forth a dozen times.
Reviewed by Travis Penny, NMLS 1649161
Last reviewed October 13, 2026
How do I get a mortgage when relocating to Florida from another state?
Relocating to Florida is my specialty. The challenge is usually timing and logistics, you may still own a home up north, you cannot fly back for every step, and Florida has its own flood, condo, and insurance rules. I handle out-of-state buyers all the time, including fully remote closings, and I lend in both Maine and Florida.
All loans are subject to credit and underwriting approval. Not all applicants will qualify. Program terms and availability can change. This page is for general education and is not a loan offer or a commitment to make a loan. Travis Penny, NMLS ID #1649161, is a mortgage broker with Vision Mortgage, LLC, NMLS #1286953. Equal Housing Opportunity.
Out of state friendly
Remote applications, e-signatures, and remote closings where allowed.
Pre-move strategy
Get approved before you pack a single box, so you can write strong offers when you find the right place.
Realtor referrals
I have trusted Florida agents I can refer you to if you need one.
Buying a second home in Florida while you live in another state
I arrange second home financing in Florida for buyers who live in another state. I review the home you already own, how you plan to use the Florida property and the available closing options. Call or text 207-615-7770.
Retiring to Florida from Maine or the Northeast
I arrange Florida primary home loans for buyers moving from Maine or the Northeast. I review your income, the home you still own and Florida property considerations so the financing fits your move. Call or text 207-615-7770.
How relocation lending is different
If you're not working locally yet, lenders look at it differently. You might be keeping your current employer with a relocation letter, starting a new Florida job with a set start date, or working for yourself and simply choosing where to live, and each of those has its own rules. I match you to the right lender from the start.
If you still own up north
That property factors into your debt to income ratio unless I structure it right. Selling first, renting it out and bridge financing are all on the table. Coming from Maine? Read the full guide.
Frequently asked questions
How is relocation lending different?
If you're not employed locally yet, lenders look at it differently. Existing employer plus a relocation letter, a new job offer with a start date, or self-employed and just choosing where to live, each path has its own rules. I match you to the right lender from the start.
What happens if I still own a home up north?
That property factors into your debt-to-income ratio unless I structure it right. Selling first vs renting it vs bridge financing are all on the table, I pick the one that protects the Florida purchase.
Can you do a fully remote closing for an out-of-state buyer?
Yes. I handle out-of-state buyers all the time, including fully remote closings, with the lender list and title partners that make that work cleanly.
Keep exploring
Not sure which loan fits?
Answer seven quick questions and I'll point you to the right program.
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.
Average of my loans from submission to clear to close. Not a guarantee; individual timelines vary. Clear to close means underwriting is done. Closing is scheduled after that.