Areas We Serve
Best Mortgage Broker in Florida
Innovation Mortgage is licensed and lending across Florida (NMLS #2319402). We have helped Florida clients buy and refinance from the Panhandle to the Keys, and as an independent broker we shop dozens of lenders to find you a better rate.
The Florida mortgage market
Florida is one of the most active housing markets in the country, powered by steady in-migration, second-home buyers, and no state income tax. Two things shape almost every Florida loan: property insurance, which runs higher here than most states and factors into your monthly payment and approval, and condo and HOA financing, which has its own lender rules along the coast. Because we compare many lenders instead of pushing one bank, we can route condo, coastal, and second-home files to the lenders that actually want them, which often means the difference between a smooth close and a stalled one.
Why Florida clients choose Innovation Mortgage
Condo and coastal know-how
Florida condos, HOAs, and coastal properties trip up a lot of lenders. As a broker we know which ones approve them cleanly, so your Florida purchase does not die in underwriting.
Second homes and investment
A big share of Florida buyers are purchasing a second home or a rental. We handle second-home, DSCR, and investment financing every day and match you to the right program.
We shop, you save
Insurance and rates vary widely in Florida. Comparing dozens of lenders at once lets us find the sharpest rate and the lowest overall cost for your situation.
Serving Florida statewide
We lend across all of Florida, including these major markets:
Loan programs in Florida
As an independent broker, we match you to the right lender and program:
Frequently asked questions about mortgages in Florida
Is Innovation Mortgage licensed in Florida?
Yes. Innovation Mortgage (NMLS #2319402) is licensed to originate home loans throughout Florida. We have helped clients purchase and refinance across the state, and you can get pre-approved online or by calling (248) 720-1032.
What types of home loans can I get in Florida?
We offer conventional, FHA, VA, jumbo, DSCR (investment), condo, second-home, and refinance loans across Florida. Because we are a broker, we match you to the lender and program that best fits your credit, down payment, and property type.
Can you finance a Florida condo or coastal home?
Yes. Condo, HOA, and coastal financing have extra lender requirements in Florida, and our broker model lets us send those files to lenders who approve them smoothly rather than getting stuck with one bank's overlays.
Do you help Florida buyers purchasing a second home or rental?
Absolutely. Many Florida buyers are purchasing a second home or investment property. We offer second-home and DSCR investment loans and will structure the financing to fit your goals.
Ready to get started in Florida?
Get pre-approved in minutes or talk to a loan officer. We are rated 5.0 stars across 320+ five-star Google reviews.