<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=2297599040530378&amp;ev=PageView&amp;noscript=1">
Skip to content

Florida Mortgage Loans

From Boca Raton to Miami, Naples to Tampa, LendFriend Mortgage provides competitive rates, low fees, and fast closings for home loans in Florida. We offer Conventional, VA, Jumbo, Non-QM loans, and retirement mortgages for buyers and homeowners across the state.

Get A Quote Schedule a Call

Why Florida Homebuyers Choose LendFriend Mortgage

Buying a home in Florida — whether in Boca Raton, Naples, Tampa, Miami, Orlando, or along the Gulf Coast — requires a lender who understands both the market and the math behind the approval.

LendFriend Mortgage was founded by brothers Eric and Michael Bernstein, who grew up in Boca Raton and understand the nuances of Florida real estate firsthand. That local perspective, combined with national lending reach, allows us to structure competitive home financing across the state, including Conventional, Jumbo, VA, FHA, Non-QM, and retirement-focused mortgage programs.

Execution is what separates a smooth closing from a stressful one. We issue well-documented pre-approvals that hold up in underwriting, communicate proactively throughout the transaction, and keep deals moving efficiently from contract to close.

Florida Mortgage Programs for Every Buyer Profile

Florida attracts a broad mix of buyers — first-time purchasers in Central Florida, luxury buyers in Palm Beach County, investors along the coast, and retirees relocating for tax and lifestyle advantages. We originate:

  • Conventional loans
  • Jumbo loans in Florida
  • VA loans (including VA IRRRLs)
  • Non-QM loans, including bank statement loans and DSCR loans
  • Retirement loans and other asset depletion mortgage solutions

Our role is to deliver competitive terms, provide clarity from the start, and close on schedule.

Experience That Matters in Florida Markets

With more than $1.5 billion in funded volume, our team has navigated nearly every borrower profile and property type. That experience shows in faster turn times, cleaner files, and consistent execution.

In Florida’s competitive housing markets, certainty wins. Buyers want financing that performs. Realtors want confidence at the closing table.

That’s what LendFriend Mortgage delivers across Florida.

Mortgage Resources for Florida Home Loans

Buying or refinancing in Florida requires understanding how loan limits, insurance costs, property types, and market conditions shift from South Florida to the Gulf Coast and Central Florida. A condo purchase in Miami looks very different from a jumbo loan in Boca Raton or a refinance in Tampa.

LendFriend Mortgage provides Florida borrowers with competitive Conventional, Jumbo, VA, FHA, Non-QM, and retirement-focused mortgage options backed by clear guidance and reliable execution. Whether purchasing or refinancing, we focus on strong approvals, transparent communication, and on-time closings — so you can move forward with confidence anywhere in Florida.

Home Loan Options for Every Florida Borrower

With access to hundreds of mortgage investors, we provide flexible jumbo loan options for nearly every situation. Applying with 1099 income, running your own business, or using assets, we help you qualify where traditional lenders often say no. Our goal is to make homeownership possible and straightforward.

Conventional And Jumbo Loans in Florida

We offer Conventional and Jumbo home loans throughout Florida, from standard conforming financing to larger loan amounts for high-value properties. Whether you're buying or refinancing, we deliver strong approvals and consistent closings without unnecessary friction.

 

Get Started→

Retirement Icon

Retirement Loans in Florida

Florida attracts retirees and high-asset borrowers who may not rely on traditional income. Asset depletion and retirement-based qualification programs allow documented assets to support mortgage approval so you can buy your dream home in Naples, Boca Raton, Sarasota or anywhere else in Florida.

Learn More →

Flag (2)

VA Loans in Florida

VA loans offer zero down payment and no monthly mortgage insurance for eligible veterans and active-duty service members. We structure VA purchases, IRRRL refinances, and VA Jumbo loans across Florida, with precise entitlement calculations and clean approvals — delivering accurate numbers upfront and dependable closings in competitive markets.

 

Learn More →

Email Icons (4)-1

Self-Employed Mortgages in Florida

Business owners and 1099 earners don’t always fit inside traditional underwriting boxes. Bank statement and alternative documentation programs are designed to reflect real income rather than just tax return optics. We structure these loans carefully so Florida entrepreneurs can qualify for home financing with clarity, stability, and fewer surprises at closing.

 

 

Learn More →

Crypto-Backed Mortgages in Florida

For Bitcoin and Ethereum investors, buying a home no longer means you have to liquidate your holdings to buy. Crypto-backed solutions allow qualified buyers to maintain long-term exposure while securing real estate in Florida’s competitive housing markets. We focus on proper documentation and clean execution so approvals move smoothly from application to closing.

 

Learn More →

Buy Before You Sell in Florida

Moving is stressful enough. Coordinating a Florida home purchase simultaneous with a sale creates even more unnecessary pressure, especially in competitive neighborhoods. Buy-before-you-sell strategies help unlock home equity and position buyers to move forward without contingent offers. The result is stronger negotiating leverage, cleaner contracts, and a more controlled transition between homes.

 

Get Started→

LendFriend Mortgage serves the following areas in Florida:

Whether you’re moving into a gated community built around championship golf courses, planning a transition to one of Florida’s established retirement communities, or buying a home in a coastal beach town, LendFriend Mortgage helps buyers and investors secure the right home loan for their situation. We offer flexible financing for primary residences, second homes, and investment properties, and work with clients across Florida’s most sought-after communities — including:

  • Jacksonville
  • Miami-Dade County
  • Tampa
  • Orlando
  • St. Petersburg
  • Tallahassee
  • Fort Lauderdale
  • Daytona Beach
  • Sarasota
  • Vero Beach
  • Cape Coral
  • Jupiter Island
  • Golden Beach
  • Fisher Island
  • Lake Buena Vista
  • Palm Beach
  • Boca Raton
  • Coral Gables

Ready to Buy Ready to Buy a Home in Florida?

Whether you’re searching in Boca Raton, Naples, Miami, Tampa, or anywhere along the Gulf Coast, the first step isn’t paperwork — it’s understanding what your financing actually looks like in real numbers.

We walk Florida buyers through purchase price, cash to close, monthly payment, and realistic timelines early in the process. From conforming and Jumbo loans to VA and Non-QM financing, you’ll know exactly what you’re approved for before submitting an offer.

If you’re refinancing, we evaluate whether the move truly improves your position — lower payment, better structure, or stronger long-term flexibility — not just a headline rate.

Connect online or speak directly with someone who understands Florida markets. No scripts. No pressure. Just clear guidance and a defined next step.

 

Florida House (3)-1

What Our Borrowers Say About LendFriend

5/5 Star Reviews on Google, Zillow, and Experience.

Stars (4)
  • Eric and his team were very helpful in our first time home buying experience. He took the time to walk us through the process and work closely with us in the beginning, answered our numerous questions during, and was able to lock us in with a good rate and close the deal. Thank you!
    Shelby Tuinstra
    Closed February 2026
  • My wife and I chose LendFriend when financing our first home purchase and we could not be happier with the process. The entire team was so knowledgeable, helpful, and communicative from the initial consultation through closing. We absolutely recommend LendFriend to anyone looking to buy or refinance their home!
    Andrew Depies
    Closed December 2025
  • The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended. They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.
    Kaitlyn Graziose
    Closed October 2025
  • I had a great experience with Eric and his team for my VA IRRRL refinance! They were incredibly helpful, and we got everything done in just a few weeks with no issues whatsoever. I cannot recommend LendFriend enough, and they will always be my first call for any future needs. Thank you Eric!
    Tyler Stearman
    Closed April 2025
  • Eric and his team was so amazing! They were so responsive and helped us come up with great strategies along the way! Eric would respond literally at any time of the day and they were able to help us manage a really quick close! We are so grateful for their support!!
    Jo Reyes
    Closed November 2025
  • LendFriend has an absolutely amazing team! Working with Eric, Morgan, Crystal, and the whole team was wonderful. They worked with me by educating and guiding me throughout the whole home buying process and helped me secure the best loan to put me in my first home. I could not recommend working with them more!
    Sean D'souza
    Closed October 2025

Frequently Asked Questions

Why choose LendFriend Mortgage?

LendFriend Mortgage is a mortgage brokerage built for today’s Florida homebuyers and homeowners. We originate Conventional, Jumbo, FHA, VA, VA IRRRL, and advanced Non-QM loans including bank statement, asset depletion, DSCR, and crypto-backed financing.

What makes us different isn’t just product depth — it’s execution.

As a mortgage broker, we shop multiple wholesale lenders to structure the most competitive option for your scenario. And after your first transaction, we waive lender fees on future loans — because we build long-term relationships, not one-time transactions.

 

How can I get the best mortgage rate?

Securing a competitive mortgage rate starts with preparation and proper structuring.

Your rate is influenced by several key factors:

  • Credit score
  • Down payment amount
  • Debt-to-income ratio
  • Loan program
  • Property type
  • Market conditions

The strongest outcomes come from aligning these variables strategically. That may mean optimizing your credit utilization, adjusting your down payment structure, or selecting the right loan product for your scenario.

Working with a mortgage broker can also make a meaningful difference, as brokers have access to multiple lenders rather than a single institution’s pricing.

At LendFriend, we focus on delivering a well-structured loan — not just a headline rate — so your financing supports both your purchase and your long-term financial goals.

 

What’s the first step in getting a mortgage?

The first step is gaining clarity on your financial position.

Before beginning your home search, it’s important to understand:

  • How much you can comfortably afford
  • Your available down payment
  • Your projected monthly payment
  • How your income and debt affect qualification

At LendFriend, we begin with a financial review to determine your realistic home shopping budget. From there, we assess documentation, analyze debt-to-income, identify the most appropriate loan program, and issue a strong preapproval.

Approaching the process in this order provides confidence when it’s time to make an offer and helps ensure a smooth path to closing.

Contact Us and Get Started Today