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Home loans · Florida
Buying, or
refinancing.
Whether it is your first home, a place near the water, or a loan you already have and want to improve, MaryAnn shops the market on your side of the table and explains every option in plain terms.
Florida licensed · Many lenders, one application · Clear terms
22
Client reviews
Florida
Licensed broker
Lender for life
Support past closing
Start here
What is the house for?
Lenders treat a home differently depending on how you will use it, so that is the first question. Pick the one that sounds like you.
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Primary residence
The home you live in year-round, including your first one.
- FHA, VA, and conventional loans
- Lower down-payment options
- Plain-language pre-approval
Explore →
Second home
A vacation place you use yourself, with its own set of rules.
- Its own guidelines, separate from a rental
- More than one way to document income
- A common fit for retirees and self-employed buyers
Explore →
Refinance
A loan you already have, and whether changing it actually helps.
- Rate-and-term or cash-out
- Side-by-side comparison vs. your current loan
- Clear break-even math before you commit
Loan programs
The loans behind the path
Three programs cover most Florida buyers. MaryAnn compares them across many lenders and tells you what each one actually costs.
View program →
FHA loans
A common route for first-time buyers and for credit profiles that need flexibility.
- Lower down payment than most conventional loans
- More forgiving credit guidelines
- Gift funds allowed toward the down payment
View program →
VA loans
Earned financing for eligible veterans, service members, and surviving spouses.
- No down payment required in most cases
- No monthly mortgage insurance
- Reusable benefit across a lifetime
View program →
Conventional
The standard agency loan, and often the cheapest path for a strong file.
- Competitive terms for well-qualified borrowers
- Mortgage insurance drops off at a set point
- Works for primary, second home, and investment
Not a W-2 file
Self-employed
or retired?
If you own a business, write off aggressively, or live on savings rather than a paycheck, a standard income calculation can understate what you can comfortably afford. Bank statement, profit-and-loss, and asset-based programs exist for exactly that, and they are a common fit for Florida buyers.
Ways to qualify without W-2s →Where we lend
Florida,
for the home you live in
Home loans for a house you will occupy, whether it is your primary residence or a second home, are available in Florida, where Ease Mortgage is licensed by the Florida Office of Financial Regulation. If your home is outside Florida, reach out anyway and MaryAnn will point you in the right direction where she can.
Licensing and where we lendOwner-occupied home loans are available in Florida only. Loan approval is not guaranteed and is subject to lender review; all approvals are conditional. Equal Housing Opportunity.
Buying it to rent out?
That is a
different loan
If the property is an investment rather than a home you will live in, it runs on the investor side: business-purpose programs that qualify on the deal instead of your pay stub, available in most states rather than Florida alone.
Explore investor loans →Questions
Straight answers
for buyers
The questions buyers ask most before a first conversation. More on the FAQ page, or just call or text.
I am a first-time buyer. Where do I start?
With a conversation, not paperwork. MaryAnn walks through your goals, your timeline, and your numbers, then comes back with what you qualify for and what each option costs. Nothing is committed until you say so.
What does working with a mortgage broker cost?
In most cases the broker is compensated by the lender you choose, and every cost is disclosed up front before you commit to anything. You will see the numbers before you make a decision.
How much do I need for a down payment?
It depends on the program. VA loans often require nothing down for eligible borrowers, FHA allows a lower down payment than most conventional loans, and gift funds are allowed in many cases. The right answer comes out of your file, not a chart.
Do I need perfect credit?
No. Different programs fit different credit profiles. The first conversation is about finding what fits yours, not a sales pitch.
I am self-employed. Can I still qualify?
Often, yes. Bank statement, profit-and-loss, and asset-based programs are built for borrowers whose income does not show up cleanly on tax returns. See ways to qualify without W-2s.
Do you lend outside Florida?
For a home you will live in, no. Owner-occupied lending is Florida only. Business-purpose investor loans are a different story and are available in most states.
Free consultation and resources
Let us find your fit
Call or text MaryAnn directly, or schedule a time that works for you. A real advisor, no obligation.
(407) 383-2350
Ready to apply? Start your application online (opens in a new tab)