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(888) 928-8590
(Se Habla Español)

Florida Mortgage Broker Offering Home Loans, Investment Property Financing and Specialty Mortgage Solutions

Apply below for a purchase, refinance or HELOC loan, or schedule a call with a Florida mortgage professional.

Welcome to Florida Home Finance.

We are a Miami-based mortgage broker helping Florida homebuyers, homeowners and real estate investors find the right loan. Because we work with many lenders instead of just one, we can compare options for your situation and explain the trade-offs in plain language.

5-Star Reputation

Rated 5 stars on Google for service, communication and follow-through.

Florida Mortgage Experts

Local knowledge of Florida properties, condos, insurance and closing costs.

Fast Closings

A responsive team that keeps your file moving from application to closing.

Hablamos Español

Full mortgage guidance and applications available in Spanish.

25+ Years of Mortgage Experience

Decades of experience with straightforward and complex loan scenarios.

45+ Wholesale Lenders

We shop multiple lenders on your behalf for programs and pricing that fit your goals.
Read More About Us

your florida lender

Unlock Your 
Dream Home

Florida Home Finance - where every step of your mortgage journey is crafted with expertise and care.

your florida lender

Unlock Your 
Dream Home

Whether you are buying your first home, refinancing, or adding a rental property, we guide every step with clear answers and steady communication.

Why Borrowers Choose a Broker

One lender offers one set of guidelines. We compare many, so your income, credit and property type are matched with a program built for them.

Experienced professionals

Licensed loan officers who have closed thousands of Florida loans and know where files get stuck.

Residential and investor loans

From primary homes to rental properties, we handle both consumer and investor financing.

Flexible income documentation

Bank statements, 1099 income, P&L statements and asset-based options for non-traditional earners.

Always available to help

Call, text or email. You get timely answers before, during and after your loan closes.

Learn More about Us

Testimonials

What Our Customer Say

  • Annie S. and Joel Soler

    Super professional and excellent service! Giovanni Palacios did above and beyond to help us with VA home loan approval and underwriting process. He was always available to answer our questions and ready to beat other lenders' offers. We closed with Florida Home Finance and Giovanni P. We are happy with our new house.

    Jose A Roberto

    Brent Graney assisted us throughout the process of purchasing our condominium. He was always available for questions. Always with prompt responses. Very professional and will look forward to work with him in the future. Thank you José and Ana Roberto

  • Dee C.

    We are so very grateful to our Broker Giovanni, he went above and beyond with his job in order to make it possible for us to have our first home! I highly recommend them for any first time home buyers, they will not disappoint you.

    Mercy Multi-Services

    Working with Giovanny was great. He made the transaction easy even though what we were working with seemed like an impossible transaction to finish. But it was very pleasing and comforting throughout the process and transaction

  • Luis O Mercado Romero

    Muy profesional, estuvo con nosotros desde el principio con cada detalle. Recomendado al 100

    Daritza Cordero

    We are so very grateful to our Broker Giovanni, he went above and beyond with his job in order to make it possible for us to have our first home!

How Your Loan Works

Three simple steps from first call to closing.

Inquire Now

Meet our loan officers and tell us your goals. We will request the documents needed to start your application.
Meet our loan officers

Learn About Your Options

We review your qualifications and compare programs across our lender network, whether you are buying or refinancing.
Browse loan programs

Get Approved and Close

We move your file through underwriting and work with you, your agent and the title company toward a timely closing.
Start your application

Florida Home Finance

We offer a personalized and distinctive approach to mortgages, combining human-driven insights with technical expertise to create a perfect hybrid. Our lending solutions are designed to expedite loan processing, delivering faster results while substantially reducing costs.

Phone

(888) 928-8590 (Se Habla Español)

E-mail

info@floridahomefinance.mortgage

Address

7700 N Kendall Dr. Suite 300-D Miami, FL 33156

Frequently Asked Questions

What types of mortgage loans does Florida Home Finance offer?
We offer conventional, FHA, VA, USDA, jumbo, adjustable-rate and interest-only loans, plus non-QM programs such as DSCR, bank statement, 1099, P&L, foreign national and ITIN loans. We also arrange HELOCs, home equity loans and cash-out refinances.
Can I get a mortgage as a first-time homebuyer?
Yes. We work with first-time buyers every week and can compare loan programs based on your income, credit, down payment and budget. Some buyers may also qualify for Florida down payment assistance.
How much money do I need for a down payment?
It depends on the program and your qualifications. Some loans allow low down payments, and certain borrowers may qualify for little or no down payment. Investment property and non-QM loans typically require more.
What is a DSCR loan and who is it for?
A DSCR loan is an investor loan qualified mainly by a rental property's income compared to its housing expenses, rather than your personal income. It is commonly used by real estate investors who own or plan to buy rental properties.
Can I get a mortgage if I am self-employed?
Often, yes. Depending on the program, we can use 12 to 24 months of bank statements, 1099s or a profit and loss statement. You will still need to document your income, and requirements vary by lender.
Do you work with Spanish-speaking borrowers?
Yes. Hablamos español. You can apply in Spanish and speak with our team in Spanish from first call to closing.

Find the Right Mortgage for Your Future

Tell us about your goals and we will show you the loan options available for your situation.
Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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