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Florida Mortgage Lenders


When you start the path to purchasing a home, you need to figure out how you will finance it. You may be able to choose from a variety of mortgage options, depending on your financial situation and the type of home you want. As mortgage lenders in Florida, we can help you evaluate your choices and choose the best loan for your financial plans, whether you’re looking for an FHA 203(K) loan or refinancing your home.

Here's a comprehensive look at our most popular loan options

FHA Loans

Homeownership is an option everyone should be able to consider. FHA loans have government insurance, so that borrowers with modest income and credit scores have a better chance of qualifying for a mortgage.

VA Loans

Military veterans can get the benefits of VA loans. A VA home loan, designed for veterans looking to buy a home, offers advantages like 100% financing, no requirement for private mortgage insurance, and competitive closing costs.

Fixed Rate Loans

If you need the convenience of a predictable monthly payment, fixed rate loans may be ideal. These loans have a set interest rate for the life of the loan, so you can feel free to plan ahead.

Adjustable Rate Loans

When you need a lower introductory interest rate, or you simply don’t know how long you plan to live in the home, adjustable rate loans can be a great choice. These loans have a set interest rate for a certain number of years, then the rate fluctuates on a schedule.

USDA Loans

Building or buying a home in a rural area may be more complicated, but USDA loans can help. A USDA loan offers low closing costs and no down payments for qualified buyers in certain regions.

Jumbo Loans

When the cost of housing far exceeds the limits for conforming loans, jumbo loans can be the perfect alternative. Jumbo loans may call for a larger down payment and other requirements, but they make it easier to buy homes in high-cost areas.

New Construction Loans

If you’re planning to build your dream home, you need financing to provide the funds at the right time. Our new construction loans simplify the lending process, so you can build or renovate, then convert to a mortgage.

Renovation Loans

Taking a fixer-upper and making it an ideal home takes the right financing plan. Our renovation loans include construction financing, an FHA 203(K) loan, and more.

Qualifying for a Mortgage Loan in Florida

Buying a home is a big purchase, and you’ll need to provide some information about your financial situation for the application. We’ll request copies of various documents, including:

  • Recent pay stubs to prove current income
  • A list of your debts with monthly payments
  • Previous two years’ tax returns

Once we have all the documents we need, our mortgage brokerage company can evaluate your information and determine which loan options might work for your homeownership goals.

Benefits of Owning a Home in Florida

As a mortgage loan originator, we’re excited to share the benefits of homeownership in Florida. Florida has an iconic culture unlike any other in the U.S. with stunning beaches and surprisingly affordable properties. You can enjoy the coastal life without compromising access to great amenities.

Start a Path to Homeownership Today!

Applying for a mortgage is easier when you can call The Sherry Riano Team for assistance. Our team specializes in Florida mortgages, and we work to simplify the lending process for each applicant. When you’re ready to consider new options for your home, our mortgage refinancing company can help.