Welcome Home Mortgage is licensed throughout Florida, bringing the same fast closings and loan expertise we’re known for in New England to every Florida buyer. Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, Sarasota, Naples, Pensacola — we know every market and serve every buyer type.
FL Counties Served
FHA Limit (SE FL)
Avg. to Close
State Income Tax
Serving All of Florida
All 67 counties — Peninsula, Panhandle & the Keys
Welcome Home Mortgage is licensed throughout all 67 Florida counties. Whether you’re a first-time buyer in Orlando, a veteran near MacDill AFB in Tampa, a New England snowbird purchasing your retirement home in Naples, or a family relocating to Jacksonville — we have the right program, the right knowledge, and the speed to get you to closing.
Florida’s real estate market is unlike any other in the country: no state income tax, a title-company closing process (faster and simpler than attorney states), mandatory hurricane insurance considerations, and one of the country’s largest concentrations of veterans and military families. We know all of it — and we put that knowledge to work for you.
Statewide Median Home Price
~$410,000
~$620,000
Tampa Metro Median
~$385,000
Orlando Metro Median
~$370,000
FHA Limit — SE FL (Miami/Broward/PB)
$621,000
FHA Limit — Most FL Counties
$472,030
VA Loan Limit
No Maximum ✓
Closing Type
Title Company ✓
State Income Tax
None ✓
• FL Assist — $10,000 DPA (deferred, 0% interest)
• HFA Preferred — Conventional with DPA assistance
• FL HLP — $10K 2nd mortgage at 3% for 15 years
• VA Loans — MacDill, NAS Jax, Eglin, Pensacola
• USDA Loans — Rural North & Central FL areas
• Snowbird Financing — Second home conventional
Miami-Dade County
Pop. ~470,000
Broward County
Pop. ~184,000
Palm Beach County
Pop. ~117,000
Palm Beach County
Pop. ~99,000
Miami-Dade County
Pop. ~224,000
Broward County
Pop. ~153,000
Broward County
Pop. ~115,000
Broward County
Pop. ~140,000
Miami-Dade County
Pop. ~111,000
Collier County
Pop. ~22,000
Lee County
Pop. ~88,000
Lee County
Pop. ~215,000
Sarasota County
Pop. ~58,000
Manatee County
Pop. ~57,000
Charlotte County
Pop. ~61,000
Hillsborough County
Pop. ~400,000
Pinellas County
Pop. ~263,000
Pinellas County
Pop. ~117,000
Hillsborough County
Pop. ~115,000
Pasco County
Pop. ~70,000
Polk County
Pop. ~122,000
Orange County
Pop. ~320,000
Osceola County
Pop. ~76,000
Volusia County
Pop. ~70,000
St. Lucie County
Pop. ~226,000
Brevard County
Pop. ~82,000
Brevard County
Pop. ~120,000
Duval County
Pop. ~950,000
St. Johns County
Pop. ~24,000
Alachua County
Pop. ~141,000
Leon County
Pop. ~196,000
Escambia County
Pop. ~54,000
Bay County
Pop. ~37,000
Okaloosa County
Pop. ~21,000
Okaloosa County
Pop. ~13,000
Monroe County
Pop. ~25,000
Monroe County
Florida Keys
All 67 Florida counties served. Licensed statewide. Call us about your area →
Every loan type matched to Florida’s diverse market — first-time buyers in Orlando, veterans near military bases, snowbirds on the Gulf Coast, and everyone in between.
Florida's most popular first-time buyer program. FHA limits reach $621,000 in Miami-Dade, Broward, and Palm Beach counties — enough to finance most South Florida purchases with only 3.5% down.
Florida has one of the largest veteran populations in the nation. We serve military families near MacDill AFB in Tampa, NAS Jacksonville, Eglin AFB, NAS Pensacola, and Patrick Space Force Base on the Space Coast.
For qualified Florida buyers in competitive markets like Boca Raton, Naples, St. Augustine, and Sarasota — and the go-to product for Florida investment properties and snowbird vacation purchases.
We specialize in vacation homes and retirement properties throughout Florida. New England families purchasing in Naples, Sarasota, Fort Myers, the Keys, and the Gulf Coast are our specialty.
Rural North and Central Florida communities qualify for USDA zero-down rural development loans. Parts of Alachua, Marion, Columbia, and other North Florida counties have eligible addresses.
Lower your existing Florida mortgage rate, access equity for renovations or debt consolidation, or shorten your loan term. Florida's appreciated values create strong equity for many homeowners.
Welcome Home Mortgage serves Florida buyers with the same dedication and loan expertise we bring to our New England markets — combined with deep knowledge of Florida’s unique rules, programs, and buyer types.
Florida uses title companies for closings, not attorneys. This is faster than Massachusetts and Rhode Island. We work with experienced FL title companies statewide, ensuring every closing goes smoothly and on schedule.
Florida hosts some of America's largest military installations: MacDill AFB, NAS Jacksonville, Eglin AFB, NAS Pensacola, and Patrick Space Force Base. We process VA loans for FL military families every day — zero down, no PMI, complete service.
New England families purchasing in Florida need a lender who understands second-home rules, hurricane and flood insurance requirements, condo association approvals, and seasonal occupancy limitations. We walk you through every requirement upfront — no surprises.
Florida Housing Finance Corporation's programs — FL Assist ($10K DPA), HFA Preferred, FL HLP — can save first-time buyers thousands. We evaluate every program you qualify for at no extra cost and coordinate all applications.
Florida Licensed Mortgage Broker · (781) 375-2727
vs. 45+ industry average
Miami-Dade, Broward, PB
MacDill AFB — Tampa (CENTCOM, SOCOM)
NAS Jacksonville — Duval County
Eglin AFB — Fort Walton Beach / Destin
NAS Pensacola — Escambia County
Patrick SFB — Space Coast (Melbourne)
No state income tax — more buying power
Title company closings — faster process
Strong veteran market — 5+ major installations
All 67 counties — statewide coverage
Florida is one of the most diverse and dynamic real estate markets in the United States. With no state income tax, a strong jobs market across multiple industries, a massive retiree and snowbird population, and one of the country’s largest concentrations of active-duty and veteran military families, Florida attracts buyers with a uniquely wide range of needs. Welcome Home Mortgage navigates all of them.
Unlike Massachusetts and Rhode Island, Florida is not an attorney-closing state. Florida mortgage closings are conducted by licensed title companies, which perform the title search, prepare closing documents, and disburse funds. This typically makes the Florida closing process faster and more efficient than New England closings. Welcome Home Mortgage works with experienced FL title companies statewide, ensuring every closing proceeds on time.
FHA loan limits in Florida vary significantly by county. In high-cost Southeast Florida — Miami-Dade, Broward, and Palm Beach counties — the 2024 FHA limit is $621,000. Most other Florida counties, including Hillsborough (Tampa), Orange (Orlando), and Duval (Jacksonville), have a limit of $472,030. With just 3.5% down and flexible credit standards, FHA remains the most accessible first-time buyer product in most Florida markets.
Florida has one of the largest concentrations of veterans and active-duty military in the United States. Major installations include:
New England families — including many of our Massachusetts and Rhode Island clients — purchase second homes and retirement properties in Florida every year. Second home financing requires a conventional mortgage (not FHA or VA) with a minimum of 10% down. Important FL-specific considerations include: mandatory hurricane insurance (a significant cost in coastal areas); flood insurance for FEMA-designated flood zones; condo association review processes; and seasonal occupancy rules. We walk buyers through all of these requirements before application, so there are zero surprises at closing.
Florida’s real estate landscape is highly regional. South Florida (Miami, Fort Lauderdale, Boca Raton) is a high-cost, internationally influenced market with strong condo demand and some of the state’s highest prices. The Tampa Bay area is one of the fastest-growing metros in the Southeast — more affordable than South Florida but increasingly competitive. Orlando is a first-timer and relocation market driven by hospitality, tourism, and a growing tech sector. The Gulf Coast (Sarasota, Fort Myers, Naples) is a premium snowbird and retirement destination with some of Florida’s most desirable waterfront properties. North Florida and the panhandle offer some of the state’s most affordable markets alongside strong military VA demand.
State Capital
Tallahassee
Population
~22 Million
Number of Counties
67
Median Home Price
~$410,000
Closing Type
None ✓
Min. FHA Down
3.5%
Miami-Dade Co.
$621,000
Palm Beach County
$472,030
$472,030
$472,030
$472,030
“We bought a snowbird condo in Naples and had no idea what second home financing in Florida involved. Welcome Home walked us through hurricane insurance, flood zone requirements, condo association approval — everything. By closing day there were absolutely zero surprises. We can’t recommend them highly enough.”
Naples, FL — Vacation Home (from MA)
Tampa, FL — VA Purchase (MacDill AFB)
Kissimmee, FL — FHA + FL Assist DPA