Licensed in Florida NMLS #299683

Florida Mortgage Rates & Home Loans — Tampa, Orlando, Miami & Beyond

Florida runs on three engines — relocators chasing no state income tax, retirees, and one of the country's busiest investor markets. All three get the same thing here: real rates published every morning and one licensed loan officer start to close.

Today's Florida Mortgage Rates

See the live rate sheet →

Real pricing published every morning on the rates page — the same transparent rates statewide.

Why Florida buyers work with Travis

Condo-savvy — Florida condo financing has extra approval layers; knowing them upfront saves deals
Investor-ready — DSCR loans for long-term and vacation rentals, LLC vesting allowed
Second homes and snowbirds — winter-place financing is a Florida staple
Transparent pricing — daily-published rates, no teaser games

Buying in Florida right now

Two things make Florida deals different: condos and insurance. Condo buildings face added lender review — budget, reserves, insurance, and litigation checks — so the building can sink a loan even when the buyer is strong; screening the building early is the move. And homeowner's insurance costs vary dramatically by county and construction, so it belongs in your payment math from day one, not as a closing-week surprise.

For investors, Florida is one of the most active DSCR markets in the country — vacation rentals near the parks, long-term rentals in the growth corridors — with the property's income doing the qualifying instead of your tax returns.

Want your real Florida rate?

Personalized quote in 60 seconds. No credit pull, no obligation.

Get My Rate →

Every program, available in Florida

Conventional, FHA, VA, bank statement loans for the self-employed, DSCR loans for investors, and refinancing — all with the same daily-published rates and one loan officer from start to close.

Florida mortgage questions, answered straight

What are mortgage rates in Florida today?

Take The Rate publishes its actual Florida mortgage rates every morning — 30-year, 15-year, FHA, VA, bank statement, and DSCR — on its live rate sheet at taketherate.com/shop-rates.html. Real pricing, not advertising teasers.

Are condos harder to finance in Florida?

They can be — lenders review the building's budget, reserves, insurance, and litigation in addition to your qualifications. An early condo questionnaire keeps surprises out of week three.

Can I finance an Airbnb near Orlando or the coast?

Often yes, via a DSCR loan qualified on rental income — many programs accept short-term rental revenue with proper documentation.

How does Florida insurance affect my approval?

Insurance is part of your monthly payment for qualifying purposes, and Florida premiums vary widely — get a real quote early because it directly moves how much house you qualify for.

Is Travis licensed in Florida?

Yes — NMLS #299683, verifiable at NMLS Consumer Access.

Travis Saling

Licensed Loan Officer · NMLS 299683 · 15+ years

I'm licensed in Florida and eight other states, and I answer my own phone. Tell me what you're working on and I'll give you a straight answer — even if that answer is "you don't need me for this one."

Disclaimer: This page is for informational purposes only and is not a commitment to lend or a guarantee of any specific rate, term, or approval. Rates change daily; program guidelines vary by lender and change without notice. All loans subject to credit approval, satisfactory appraisal, and clear title. Verify licensing at NMLS Consumer Access (#299683). Take The Rate · Equal Housing Lender.