Florida Mortgage Broker — Wholesale Rates for FL Home Buyers
Options Home Loans is a licensed Florida mortgage broker (NMLS #2221613) serving buyers and homeowners across the Sunshine State. We shop multiple wholesale lenders to find rates retail banks can't match — on FHA, VA, conventional, jumbo, non-QM, and DSCR loans.
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Wholesale Rates
Wholesale Access
NMLS #2221613
Licensed in Florida
Same-Day Pre-Approval
Fast Closings
Loan Programs Available in Florida
Every program available through wholesale lenders — not just what one bank offers.
FHA Loans
3.5% down, 580+ credit score
VA Loans
0% down for veterans & active military
Conventional
Fannie Mae / Freddie Mac financing
Jumbo Loans
Above conforming limit — up to $5M+
Non-QM / Bank Statement
Self-employed, no tax returns needed
DSCR Investor Loans
Qualify on rental income, not W-2
2026 Florida conforming loan limit: $806,500 for most counties. Monroe County (Florida Keys) reaches $929,200. See full 2026 loan limits table →
Florida First-Time Buyer & Down Payment Assistance Programs
Florida Hometown Heroes
Florida's Hometown Heroes program provides up to $35,000 in down payment and closing cost assistance for eligible community workforce — teachers, nurses, law enforcement, firefighters, and more. Income limits and purchase price caps apply.
Florida Bond Program (FL HFA)
The Florida Housing Finance Corporation offers below-market first mortgage rates paired with 3–5% down payment assistance for first-time buyers meeting income and purchase price limits.
Florida Assist (FL HFA)
A deferred second mortgage of up to $10,000 at 0% interest for down payment and closing costs. No monthly payments — repaid when you sell, refinance, or pay off the first mortgage.
USDA Rural Development Loans
Many Florida communities outside major metro areas qualify for USDA 0% down loans. Eligible areas include parts of Central Florida, the Panhandle, and rural coastal communities.
DPA program availability and terms subject to change. Contact us for current program details and eligibility requirements.
Florida Mortgage FAQ
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Options Home Loans LLC · NMLS #2221613 · Equal Housing Lender. Licensed in Florida.