Florida Relocation
Buying in Florida while you're still living somewhere else.
Out of state purchases are my home turf. We'll handle approval, property search support, and closing without you flying back and forth a dozen times.
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.
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.
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.
How relocation lending is different
If you're not employed locally yet, lenders look at it differently. Existing employer plus a relocation letter. New job offer in Florida with a start date. Self employed and just choosing where to live. Each path 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 we structure it right. Selling first vs renting it vs bridge financing, 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 we structure it right. Selling first vs renting it vs bridge financing are all on the table — we 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
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.