9 Best Mortgage Lenders In Florida To Use Now (With Rates) (2023)

May 25, 2022

Mortgage loans can get extremely expensive especially if you have bad credit or if you are a first-time buyer. In this article, we will help you to find the best mortgage lenders in Florida.

9 Best Mortgage Lenders In Florida To Use Now (With Rates) (1)

Whether you live in Jacksonville, Tampa, Palm Beach, Cape Coral-Fort Myers, Port St. Lucie, Miami, or Tallahassee, always remember that rates will vary per person. Make sure that you compare rate quotes today to see how much you will end up paying for your mortgage rates.

Average mortgage rates in Florida

Mortgage rates are always changing daily and depending on the lender your rate and APR might be more or less than the national average. Rates are not only dependent on the market. Rates are also dependent on a person’s credit score, home loan, home price, and more. The best way to check rates is to compare mortgage rates, which can be done in seconds.

Current mortgage interest rates in Florida

As I said above, mortgage and interest vary per person. With a 30-Year fixed rate you will currently receive an APR of around 4.5%.9 Best Mortgage Lenders In Florida To Use Now (With Rates) (2)

With a 15-Year fixed rate you will currently receive an APR of around 3.96 %. This is assuming that you have 20% of down payment and a credit score above 700.

Florida mortgage lenders for bad credit

If you have bad credit, then getting mortgage at decent rates may be a difficult. However, there are several things that you can do such as getting FHA approval, getting adjustable rate mortgage, or finding a private lender. There are many companies in Florida that can help you with purchasing your home such as EquityMax and Third Federal Savings & Loan.

Mortgage Lenders in Miami

(Video) What NOT to tell your LENDER when applying for a MORTGAGE LOAN

Miami is the largest city in Florida with a population of over 5 million people. Miami is known as one of the hardest places to get a mortgage loan. In 2015 it was reported that lenders denied over 15% of all applicants in the Miami-Fort Lauderdale area. Getting in touch with a broker is a good option for many people who desire a home loan. Some well-known names in the area are Alex Doce, Expert Mortgage Group, Luis Moreno, and Homebridge Financial Services.

Most expensive real estate markets in Florida.

  • Doral
  • Palmetto Bay
  • Parkland
  • Fort Lauderdale
  • Delray Beach
  • Weston
  • Boca Raton
  • Ponte Vedra/Ponte Vedra Beach
  • Cooper City
  • Naples

Quicken Loans

Quicken Loans is not only one of the most popular Florida mortgage lenders, but it also the largest lender in the United States. There are many things to love about Quicken Loans. One of the things that you will appreciate especially if this is your first-time buying a home is their fast application process.

9 Best Mortgage Lenders In Florida To Use Now (With Rates) (3)

With Rocket Mortgage your loan can be approved in minutes. Instead of having to talk to someone or send in sensitive information, you can do everything online. You can send in your financial information digitally and they will crunch the numbers for you, which results in more accuracy. Quicken Loans received an “A+” BBB rating and was the highest rated company in the 2018 U.S. Primary Mortgage Servicer Satisfaction Study. Quicken Loans beat out mortgage companies such as Ocwen Loan Servicing, Freedom Mortgage, Wells Fargo Home Mortgage, PNC Mortgage, and more.

SunTrust Bank

SunTrust has had BBB accreditation since 01/01/1967. In the rating system overview SunTrust received an “A+” rating.

SunTrust Bank is good mortgage lender for those who desire low down payments and helpful tools to help the loan process to go smoothly. SunTrust is a trusted company throughout the nation with great mortgage reviews across the board. In the J.D. Power U.S. Home Equity Line of Credit (HELOC) Satisfaction Study SunTrust was the highest rated company receiving 5 out of 5 stars in every category. SunTrust was the only company to receive 5 out of 5 power circles. SunTrust beat out companies such as BB&T, Huntington National Bank, Regions Bank, and more.

Caliber Home Loans

Caliber Home Loans, Inc. has been a BBB accredited company since 2004. The company has an “A+” rating, which means that they handle customer complaints well. Although Caliber Home Loans, Inc. is a Texas-based home mortgage provider, they are well-known in Florida and they have offices in Plantation, Boca Raton, Orlando, Miami, and other Florida cities. Caliber rated about average with 3 out of 5 stars in the U.S. Primary Mortgage Servicer Satisfaction Study. Caliber Home Loans offers various conventional loan products such as relief refinance, homestyle renovation, HomeReady, DU Refi Plus, Jumbo Loans, and Jumbo Interest-only ARM.

(Video) How To Find The Best Mortgage Lender In 2022 (Step By Step Guide)


LoanDepot offers cheaper rates than some of the largest lenders. There are many benefits of LoanDepot such as you will have over 1700 loan officers available to you. LoanDepot offers an awesome lifetime guarantee to their customers. When you refinance you will not have to pay any lender fees. Another benefit that you will have with LoanDepot is that they partnerwith 5 of the nation’s top 25 builders. If you live in Florida, you can easily find a branch near you. No matter what state that you live in you will have no problem with using them in your state.

Bank of America

Everyone knows Bank of America. Bank of America Corp. is the second largest bank in America and has over 2 trillion in total assets. Bank of America received 3 out of 5 Power Circles in all three J.D. Power mortgage studies.

9 Best Mortgage Lenders In Florida To Use Now (With Rates) (4)

With Bank of America you are getting a reputable company that is available everywhere. BOA offers fixed-rate mortgage, FHA loans, VA loans, and more. If you can’t make a large down payment, then one of the best things about BOA is that they offer Affordable Loan Solution. Mortgage insurance is not required with Affordable Loan Solution.


Lenda is a great lender if you need refinancing. Lenda is an online mortgage lender that started off as a refinance option. Now the company offers affordable mortgage loans as well. There are many benefits to using Lenda such as an interactive loan dashboard, rate lock guarantees, fast turnaround times, paperless process, and more. For now, Lenda only serves residents in Florida, California, Arizona, Texas, Virginia, Georgia, Illinois, Michigan,Colorado, Oregon, Pennsylvania, and Washington.

LendingHome Funding Corporation

LendingHome Funding Corporation is a lender with a great reputation among Florida residents. Currently the company has over 2+ billion in loans funded and 10,000+ homes financed. The process to get a home mortgage is simple. All that you have to do is get your rate, get pre-approved, and then upload property information. You will then pay for your appraisal and confirm your close date. Lending Home received an “A+” BBB grade.

New American Funding

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If you have less than perfect credit or you are worried about making too low of an income, then New American Funding is a great option for you. New American Funding offers various loan types such as fixed rates, VA, FHA, ARM, Jumbo, Home Improvement, Reverse Mortgage, HARP, Interest Only loans. The company has over $20 billion in home loans and an “A+” Better Business Bureau rating. The average closing time for New American Funding loans is under a month.

Home1st Lending

Home1st Lending is a popular lender in Central Florida cities such as Lake Mary, FL. Home1st Lending might not be the easiest lender to apply for, but they do offer several tools to help you and a free consultation. Home1st Lending has had a BBB rating of “A+” since 2007.

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What Are mortgage interest rates right now in Florida? ›

Florida mortgage overview

As of Saturday, March 11, 2023, current interest rates in Florida are 7.06% for a 30-year fixed mortgage and 6.27% for a 15-year fixed mortgage.

What type of mortgage loan has the lowest interest rate? ›

What type of home loan has the lowest interest rate? VA loans typically have the lowest interest rates. However, the VA program is only available to eligible service members and veterans. For non-VA buyers with strong credit, a conventional loan will typically offer the lowest rates.

Who is the top mortgage lender? ›

The largest mortgage lender in the United States is Rocket Mortgage. The independent mortgage company originated 1,236,000 mortgages (worth nearly $290 billion), giving it a 9% share of the mortgage market in 2021.

Are mortgage rates expected to continue to rise in 2023? ›

Freddie Mac: Forecasts the average 30-year mortgage to start at 6.6% in Q1 2023 and end at 6.2% in Q4 2023. Realtor.com economist, Jiayi Xu: “Mortgage rates are likely to move in the 6% to 7% range over the next few weeks, which continues to pose a significant challenge to affordability.”

Is it a good time to buy a house in Florida? ›

Florida has had some of the strongest housing appreciation rates in the country over the past decade. Over the past decade, Florida's real estate has risen 282.35 percent, which equates to an annual home appreciation rate of 6.14 percent, according to the data collected by NeighborhoodScout.

Do mortgage lenders have better rates than banks? ›

There's no absolute answer when it comes to whether a mortgage lender or a bank will offer a better rate. The mortgage rate you are offered will mostly be based on your credit score, how much debt you already have, where your property is located, your down payment, and the size of the loan you are applying for.

How to get the lowest mortgage rate? ›

7 ways to reduce mortgage rates
  1. Shop around. When looking for mortgages, be sure to contact several different lenders. ...
  2. Improve your credit score. ...
  3. Choose your loan term carefully. ...
  4. Make a larger down payment. ...
  5. Buy mortgage points. ...
  6. Rate locks. ...
  7. Refinance your mortgage.

What bank has the lowest interest rate? ›

Banks with the Lowest Interest Rates for Personal Loans
  • Barclays: 5.74%+ APR.
  • HSBC: 5.99%+ APR.
  • PNC: 5.99%+ APR.
  • American Express: 6.90%+ APR.
  • Discover: 6.99%+ APR.
  • Fifth Third Bank: 6.99%+ APR.
  • Santander Bank: 6.99%+ APR.
  • TD Bank: 6.99%+ APR.
Dec 2, 2022

Which bank is providing lowest mortgage loan? ›

Lowest Home Loan Interest Rate Of All Banks
Home Loan Lender(Banks)Starting Interest Rate(p.a)Processing Fee
HSBC Bank6.85% p.a onwardsUp to 0.1 per cent of the loan amount
Citibank6.95% p.a onwardsRs. 10,000
Canara Bank8.05% p.a onwards0.5 per cent of the loan amount
Karur Vysya BankAround 7.15% p.aRs. 20,000
6 more rows
Jan 13, 2023

What is the 10 15 rule mortgage? ›

The 10/15 rule

If you can manage to pay 10% of your mortgage payment every week (in addition to your usual monthly payment) and apply it to the principal of your loan, you can pay off your 30-year mortgage in just 15 years. This chart displays offers for paying partners which may impact the order in which they appear.

Is it better to buy a house when interest rates are high? ›

Rising interest rates affect home affordability for buyers by increasing the monthly mortgage payment. Despite how it seems, there are benefits to buying when interest rates rise. Less buyer competition forces home sales prices down, opens up more choices for buyers and can reduce buyer risk.

What lender does Dave Ramsey recommend? ›

That's right—RamseyTrusted. And it's a big deal. It means that Churchill Mortgage is the only mortgage provider trusted by real estate expert Dave Ramsey and the Ramsey team.

Does it matter who mortgage lender is? ›

It's also important to make sure you're comfortable with the company that's originating the loan. Although many parts of the mortgage process are the same across all lenders, there are some differences that can affect the fees you are charged and the service you receive that are worth considering when you shop around.

What are the two largest mortgage companies? ›

Mortgage rates have been volatile in recent months, but the roster of the biggest and most active mortgage lenders has stayed stable in the past year. Rocket Mortgage and United Shore Financial remained first and second by volume of loans originated in 2021, unchanged from 2019 and 2020.

What will mortgage rates be in August 2023? ›

Most experts expect the base rate to settle around 4% to 4.5% by the end of 2023 and top fixed mortgage deals to fall to just under 4% within 18 months."

Will interest rates go back down in 2023? ›

The economy is likely to slow over the coming months, and as a result, mortgage rates will still end up lower than what they currently are by the end of 2023, Channel said. They aren't likely to plummet, but Channel said he expects they'll land somewhere closer to 5.5% than 6.5%.

Will mortgage rates go down in the next 2 years? ›

'Mortgage rates could dip to 3% by the end of 2024'

We think they'll probably stay at that level for the remainder of the year before being cut in 2024." Martin: "End of 2024?" Andrew: "We think they'll be down to 3% by the end of 2024."

Will Florida home prices drop in 2023? ›

Home price growth will flatten, with a forecasted increase of 0.8%. Inventory will remain constrained, especially at the entry-level price segment. Mortgage rates are likely to bump up to 3.88 percent by the end of the year. Tight inventory and rising mortgage rates will lead to dropping sales.

Will Florida home prices ever drop? ›

Home sales and the median sale price of active listings in this area should see a slight increase - nothing too alarming for buyers of single-family homes or for a real estate agent. Florida home prices are not set to decline of suffering a housing market crash in 2023 if the current predictions hold true.

What is the hottest housing market in Florida? ›

Where are the hottest real estate markets in Florida? The three most expensive markets in Florida to buy a house at the end of 2022 were Sarasota, Miami and Fort Lauderdale, according to the Council for Community and Economic Research's Cost of Living Index.

Is it better to use a lender or a bank? ›

Traditionally, mortgage lenders have more options for homebuyers than banks. Depending on your current financial profile, you may qualify for more than one type of loan. However, you'll find a good fit for you based on your long-term goals, housing needs, current standings.

Is it better to go with a local bank for a mortgage? ›

If meeting with lenders face to face is important to you, a local bank with a good reputation is a sound choice. Local banks may also have better rates or lower fees than online options do. Both types of lenders offer mortgage pre-approval.

Should I go through a broker or a bank? ›

A broker can make the mortgage experience easier but limits your options. Doing it yourself takes more time, but when you've found the right loan and lender, you might end up with a better deal. A broker guides you through various mortgage options and helps you compare rates, fees and features.

What is a good interest rate today? ›

In today's market, a good rate could be 6% for one borrower and 8% for another on the same day. To understand what a good mortgage rate looks like for you, get quotes from a few different lenders and compare them.

Can you ask your mortgage company to lower your interest rate? ›

Yes, you can and should negotiate mortgage rates when you're getting a home loan. Research confirms that those who get multiple quotes get lower rates. But surprisingly, many home buyers and refinancers skip negotiations and go with the first lender they talk to.

Should you always go with the lowest mortgage rate? ›

The lowest interest rate does not always save you the most money or get you the best deal. There are other factors to consider, including: Fees (including points) Closing Costs – the fees associated with home-buying, including application fee, attorney fee, admin or processing feeds, title company expenses, etc…

What is the easiest loan to get right now? ›

The easiest loans to get approved for are payday loans, car title loans, pawnshop loans and personal loans with no credit check. These types of loans offer quick funding and have minimal requirements, so they're available to people with bad credit.

What are mortgage rates right now? ›

On Sunday, March 12, 2023, the current average 30-year fixed mortgage interest rate is 7.05%, falling 7 basis points compared to this time last week. If you're planning to refinance, the national 30-year refinance interest rate is 7.09%, down 10 basis points compared to this time last week.

Who has best interest rate? ›

Here are the best savings account interest rates
  • Citibank – APY: 3.85%, min. ...
  • Marcus by Goldman Sachs – APY: 3.75%, min. ...
  • Barclays Bank – APY: 3.60%, min. ...
  • American Express National Bank – APY: 3.50%, min. ...
  • Discover Bank – APY: 3.50%, min. ...
  • Ally Bank – APY: 3.40%, min. ...
  • Capital One – APY: 3.40%, min.

What is the easiest type of mortgage to get? ›

What type of mortgage is the easiest to qualify for? An FHA loan will typically be the easiest mortgage to qualify for because it offers the lowest credit score requirement — far lower than for a conventional loan — and requires only a 3.5% down payment.

What is the 3 7 3 rule in mortgage? ›

Timing Requirements – The “3/7/3 Rule”

The initial Truth in Lending Statement must be delivered to the consumer within 3 business days of the receipt of the loan application by the lender. The TILA statement is presumed to be delivered to the consumer 3 business days after it is mailed.

What is the 7 day rule in mortgage? ›

The 7 Day Waiting Period: Use the precise definition of Business Day here. Consummation may occur on or after the seventh business day after the delivery or mailing of the initial Loan Estimate.

What is a good rule of thumb for a mortgage payment? ›

The 28% mortgage rule states that you should spend 28% or less of your monthly gross income on your mortgage payment (e.g., principal, interest, taxes and insurance). To determine how much you can afford using this rule, multiply your monthly gross income by 28%.

How high will interest rates go in 2023? ›

Bankrate (opens in new tab) predicts the Federal Funds rate will increase to around 5-5.25 percent in 2023. As a result, savings rates are expected to rise as well, with more high-yield savings accounts predicted to peak at 5.5 APY in the middle of this year, and many already surpass 4%.

Will mortgage rates go down 2024? ›

The average interest rate for the benchmark 30-year fixed mortgage reached 7.08%, as of Monday. However, with the economy expected to cool and possibly dip into a recession, many recent forecasts expect rates to drop to 6% or below in 2024, including a Fannie Mae projection of 5.2%.

What are predicted mortgage rates for 2023? ›

The Bank's latest forecast is for the base rate to rise to around 4.5% in mid-2023, a lower peak than previously anticipated.

What is the most common mortgage loan? ›

Conventional mortgages are the most common type of mortgage. That said, conventional loans do have stricter regulations on your credit score and your debt-to-income (DTI) ratio. You can buy a home with as little as 3% down on a conventional mortgage.

How much should you spend on a mortgage per month Dave Ramsey? ›

Figure out 25% of your take-home pay.

To calculate how much house you can afford, use the 25% rule: Never spend more than 25% of your monthly take-home pay (after tax) on monthly mortgage payments. Following this rule keeps you safe from buying too much house and ending up house poor.

What should you not say to a mortgage lender? ›

Here are a list of 10 things you should not say to your lender:
  • 1) Anything untruthful.
  • 2) What's the most I can borrow?
  • 3) I forgot to pay that bill again.
  • 4) Check out my new credit cards.
  • 5) Which credit card ISN'T maxed out?
  • 6) Changing jobs annually is my specialty.
8 hours ago

What is the best place to get a mortgage from? ›

The best mortgage lenders
  • Best for lower credit scores: Rocket Mortgage.
  • Best for flexible down payment options: Chase Bank.
  • Best for no fees: Ally Bank.
  • Best for flexible loan options: PNC Bank.
  • Best for saving money: SoFi.

What should I consider when choosing a lender? ›

Consider different options like your bank, local credit union, online lenders and more. Ask about rates, loan terms, down payment requirements, mortgage insurance, closing cost and fees of all kinds, and compare these details on every offer.

Who is #1 mortgage lender in US? ›

The largest mortgage lender in the United States is Rocket Mortgage. The independent mortgage company originated 1,236,000 mortgages (worth nearly $290 billion), giving it a 9% share of the mortgage market in 2021.

Is Rocket Mortgage the largest lender? ›

--(BUSINESS WIRE)--United Wholesale Mortgage, (UWM), the #1 wholesale and purchase lender in America, has officially surpassed Rocket Mortgage to become the #1 overall mortgage lender in the nation. This news comes after both companies announced financial results for the third quarter of 2022.

Do all mortgage companies have the same rate? ›

Mortgage rates vary by lender. Different lenders have different overhead costs they have to consider. They also have to consider the borrower's financial situation, including their debt-to-income ratio, credit score and down payment. To find the best mortgage rate, you need to find the right lender.

What is the current interest rate for mortgages today? ›

Today's national mortgage interest rate trends

On Sunday, March 12, 2023, the current average 30-year fixed mortgage interest rate is 7.05%, falling 7 basis points compared to this time last week.

What is the highest interest rate allowed in Florida? ›

(1) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious.

What is a typical mortgage interest rate right now? ›

For today, Saturday, March 11, 2023, the current average 30-year fixed mortgage interest rate is 7.05%, down 7 basis points from a week ago. If you're in the market for a mortgage refinance, today's average 30-year fixed refinance interest rate is 7.09%, declining 10 basis points over the last seven days.

How high are mortgage interest rates right now? ›

NerdWallet's mortgage rate insight

The average APR on a 15-year fixed-rate mortgage rose 17 basis points to 6.347% and the average APR for a 5-year adjustable-rate mortgage (ARM) rose 2 basis points to 7.065%, according to rates provided to NerdWallet by Zillow.

What will happen to mortgage rates in 2023? ›

Are mortgage rates expected to rise or fall during 2023? The consensus is that mortgage rates will gradually decline throughout the year, even if interest rates go up. Some predict that fixed rates could fall below 4 per cent by early 2024.

What is the statutory interest rate for Florida 2023? ›

Interest Rates

The rate of interest for the period January 1, 2023, through June 30, 2023, is 9 percent.

What is the highest interest rate you can legally charge? ›

Interest Rate Limits. For loans less than $500,000 the limit is 18% and for loans greater than $500,000 is 25%.

What interest rate is considered too high? ›

Avoid loans with APRs higher than 10% (if possible)

“That is, effectively, borrowing money at a lower rate than you're able to make on that money.”

Will 2023 be a good year to buy a house? ›

Redfin deputy chief economist Taylor Marr expects about 16% fewer existing home sales in 2023 vs 2022. Marr believes potential buyers are still grappling with affordability, high mortgage rates, high home prices, inflation, and a potential recession. “People will only move if they need to,” Marr says.

Is 3.125 a good mortgage rate for 30-year fixed? ›

3.125 is a great mortgage rate, but it isn't easy to find any lender with this rate. According to the US Bank, the Federal Housing Authority's 30-year fixed rate is 6.625% today.

Is 4.75 a good mortgage rate? ›

Is 4.75% a good interest rate for a mortgage? Currently, yes—4.75% is a good interest rate for a mortgage. While mortgage rates fluctuate so often—which can affect the definition of a good interest rate for a mortgage—4.75% is lower than the current average for both a 15-year fixed loan and a 30-year mortgage.

Should I buy a house now or wait for recession? ›

Lower Home Prices – There are fewer homebuyers during a recession. This low demand from the buy-side will cause home prices to fall. Therefore, you can typically get a better price on a home when buying during a recession. Less Competition – Fewer homebuyers means less competition and a more relaxed homebuying process.

Where will interest rates be in 5 years? ›

They provide insight into interest rate forecasts over 5 years. An interest rate forecast by Trading Economics, as of 2 March, predicted that the Fed Funds Rate could hit 5% in 2023, before falling back to 4.25% in 2024 and 3.25% in 2025.

How long are mortgage rates expected to rise? ›

Mortgage interest rates started to increase during 2022, this is likely to make borrowing more expensive for those with fixed rates deals coming to an end in 2023. Those with variable rate mortgages and private renters are also facing higher housing costs.


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