Mortgage pre-approval in Florida.

Closing commonly handled by

title company

State housing agency

Florida Housing Finance Corporation

Stellar agency approval

Not a participating lender

2026 conforming limit

$832,750 (higher in 1 of 67 counties, up to $990,150)

2026 FHA limit

$541,287 to $990,150, by county

Our license

Mortgage Lender License

Company NMLS

#2190975

Your officer

Steve Umansky, NMLS #61764

What we offer in Florida

Purchase and refinance loans for primary residences, second homes and investment properties. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, including bank statement and DSCR loans. Full list: all loan programs.

How closings work in Florida

Florida closings are commonly handled by a title company, and some buyers also use an attorney. Homeowners insurance, including wind coverage, and flood insurance where it is required have to be in place before closing, so we ask for quotes early. For a condominium, the association’s budget, reserves and inspection reports are reviewed along with the buyer.

Transfer and recording taxes. Florida charges a documentary stamp tax on deeds of 70 cents for each $100 of the price in every county except Miami-Dade. In Miami-Dade the rate is 60 cents per $100, plus a surtax of 45 cents per $100 that does not apply to the transfer of a single-family home. Under state law every party to the deed is liable for the tax, whichever side agrees to pay it. Source: Florida Department of Revenue, documentary stamp tax. Property taxes are set locally; we take the figure from the tax record for the address.

Loan limits in Florida

For 2026 the conforming loan limit for a one-unit home is $832,750 (higher in 1 of 67 counties, up to $990,150). Loans above the county limit are jumbo. FHA limits are set separately by HUD for each county. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

First-time buyer programs in Florida

The Florida Housing Finance Corporation runs Florida’s homebuyer programs, which can include a first mortgage and help with the down payment and closing costs for buyers who meet its income and purchase price limits. This is general information: Stellar Mortgage is not a participating lender for these programs. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, and we will tell you when an agency program looks like the better fit. Official source: Florida Housing Finance Corporation. See also our first-time buyer guide.

USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.

Questions Florida buyers ask

Loan limits, tax rates and agency programs are set by third parties and change. Confirm current figures before relying on them. Not a commitment to lend.