Florida Loan Program
Home Purchase Loans
Unlock the door to your new Florida home.
Buying a home is one of the biggest financial decisions you'll ever make — and doing it in Florida comes with its own set of opportunities and considerations. Whether you're a first-time homebuyer nervous about the process or an experienced buyer upgrading to a coastal property, our home purchase loans are built to fit your unique situation.
Because Distinctive Mortgage is a broker — not a single bank — we shop your loan across a network of wholesale lenders to find the program with the best rate and terms for your profile. That means you don't have to apply at five different banks to compare. You apply once with us, and we do the comparison shopping for you.
From the Florida panhandle to the Keys, we help buyers navigate purchase contracts, escrow timelines, inspection contingencies, and closing coordination so your financing is never the thing that delays your closing date.
Who This Loan Is For
- First-time homebuyers ready to stop renting and start building equity
- Move-up buyers selling one home and purchasing their next
- Relocating professionals moving into the Florida market
- Retirees purchasing a primary or secondary residence in-state
- Buyers who want a local loan officer who actually answers the phone
Basic Requirements
- Stable, verifiable income (W-2, self-employed, retirement, or investment)
- A credit profile we can work with — we have programs for all credit scores
- Down payment funds (as little as 3% on some programs; 0% on VA/USDA)
- A signed purchase contract or active house-hunting timeline
- Florida property intended as a primary, second, or investment home
Key Benefits
- Down payments as low as 3% for qualified buyers
- Fast pre-approval letters that strengthen your offer
- Wholesale lender access for more competitive rates
- Local Florida market expertise from application to closing