Florida Mortgage Broker & Lender
Buying, refinancing or investing in Florida? FLO Mortgage helps you compare loan options side by side and works with you from pre-approval to closing day, with a local loan officer in your corner.
★★★★★ 5.0 on Google from 160+ clients | Company NMLS #1835856
Why Florida borrowers choose FLO Mortgage
Whether you are a first-time buyer in Palm Coast, a veteran in Jacksonville or an investor anywhere in the state, you get a licensed loan officer who explains your options in plain English.
Local, licensed team
FLO Mortgage is a Flagler Beach mortgage company holding Florida Mortgage Lender License MLD2621. You work with a licensed loan officer from start to finish.
Options for your situation
FHA, VA, USDA, conventional, jumbo, refinance, HELOC and investor loans, so we can point you toward the program that fits your goals and budget.
Plain-English guidance
We explain what you can afford, which loan fits and what to expect at each step, so you always know what comes next.
Serving all of Florida
Our office is in Flagler Beach, and we serve borrowers in all 67 Florida counties under Florida Mortgage Lender License MLD2621. You get the same licensed loan officer and the same process whether the home is down the road or at the other end of the state.
North Florida and the Panhandle
Jacksonville, St. Augustine, Palm Coast, Gainesville, Tallahassee, Panama City and Pensacola.
Central Florida
Orlando, Daytona Beach, Ocala, The Villages, Lakeland and the Space Coast.
Tampa Bay and the Gulf Coast
Tampa, St. Petersburg, Clearwater, Sarasota, Fort Myers and Naples.
South Florida
Miami, Fort Lauderdale, West Palm Beach, Port St. Lucie and the Keys.
Working with us from anywhere in Florida
You don't need to visit our office. Apply online through a secure portal, upload documents from your phone, and talk with your loan officer by phone, text or video. You sign your closing papers with a title company or closing attorney near the property. Prefer to start with a call? Reach us at (386) 882-9980.
Florida programs to ask about
• Florida Hometown Heroes: down payment and closing cost help for eligible first-time buyers who work full time in Florida.
• FHA loans, which we arrange with a partner lender.
• VA loans in Florida for eligible veterans, service members and surviving spouses.
• Florida HELOC to borrow against your equity online, arranged with a partner lender.
Buying near our Flagler Beach office? See our Palm Coast mortgage page. Buying or refinancing in Georgia too? See our Georgia mortgage company page.
Florida home loan programs
Explore the loan options we offer to Florida homebuyers, homeowners and real estate investors.
First-time home buyers
Pre-approval, low down payment options and step-by-step guidance for buying your first home.
Learn more →FHA loans
Government-insured loans with flexible credit guidelines and a low down payment.
Learn more →VA loans
Home loan benefits for eligible veterans, active-duty service members and surviving spouses.
Learn more →USDA loans
Home loans for eligible properties in qualifying areas, with low or no down payment options.
Learn more →Conventional and fixed-rate loans
A rate that never changes, so your principal and interest payment stays the same.
Learn more →Jumbo loans
Financing for higher-priced Florida homes that exceed conforming loan limits.
Learn more →Refinance
Explore ways to adjust your payment, change your loan term or access your home equity.
Learn more →Fast HELOC
Use your home equity with a home equity line of credit.
Learn more →DSCR and investment loans
Financing for Florida rental and investment properties, including DSCR loans based on the property's rental income.
Learn more →How it works
Talk with us
A quick, no-pressure call about your goals and budget.
Apply online
A secure application you can finish in minutes.
Review your options
Clear numbers side by side so you can choose with confidence.
Close
Regular updates from approval to the closing table.
Florida mortgage questions
What does a mortgage broker or lender do in Florida?
We help you choose and apply for a home loan, review your documents and guide the loan through underwriting to closing. Curious how a local mortgage company compares to a big bank? Read our local mortgage broker vs. big bank comparison.
Do you offer home loans across Florida?
FLO Mortgage is licensed in Florida and works with homebuyers and homeowners across the state. We are based in Flagler Beach, and you can start your application online from anywhere.
How do I get pre-approved for a mortgage in Florida?
Start with a quick call or apply online. We review your credit, income and assets so you know your price range before you start shopping. Read what happens after you are pre-approved.
Are there down payment assistance programs in Florida?
Depending on where you are buying, state and local down payment assistance programs may be available. We will tell you which ones you may qualify for.
Do you offer loans for Florida investment properties?
Yes. Our investor options include DSCR loans, which are based on the property's rental income. See our Florida investment property mortgage and DSCR loan pages.
Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Not all applicants will qualify. Terms and programs may change without notice. FLO Mortgage, Company NMLS #1835856. Florida Mortgage Lender License MLD2621. Equal Housing Opportunity. Licensing & Disclosures.