Your Brevard County Mortgage Lender — Home Loans, Refinancing & Pre-Approvals
Serving Melbourne, Palm Bay, Cocoa Beach, Merritt Island, Viera, Rockledge, Titusville and surrounding communities
Down Payment Assistance Programs in Brevard County
Brevard County buyers have access to multiple state-level DPA programs that can be combined for up to $45,000+ in assistance. Brevard County also receives SHIP (State Housing Initiatives Partnership) funding which provides additional local assistance — contact me for current availability and amounts.
Statewide Programs Available in Brevard County
- Hometown Heroes: Up to $35,000 — 0% interest deferred loan, no monthly payments. Available to teachers, nurses, first responders, military, childcare workers, and 50+ eligible professions.
- FL Assist: Up to $10,000 — 0% interest deferred second mortgage, no monthly payments while you live in the home.
- FL HLP: Up to $10,000 — 3% interest, 15-year repayment (~$69/month).
- Salute Our Soldiers: Up to $35,000 — for veterans and active military. Veterans do not need to be first-time buyers.
Brevard County SHIP Program
Florida distributes SHIP funding to all 67 counties. Brevard County administers its own SHIP program which can provide additional down payment and closing cost assistance. SHIP amounts and availability vary by funding cycle — I track which programs are currently funded and accepting applications.
Brevard County DPA Stacking Example
- Hometown Heroes: $35,000 (state)
- FL Assist: $10,000 (state)
- Brevard County SHIP: varies (county)
- Total potential: $45,000+ depending on SHIP availability
I specialize in finding and stacking every DPA program you qualify for. Contact me to get a personalized breakdown for your situation.
Brevard County Loan Limits
The 2026 conforming loan limit for Brevard County is $832,750 for a single-family home. Loans above this amount require jumbo financing, which I also offer through select wholesale lenders.
Cities Served in Brevard County
Melbourne, Palm Bay, Cocoa Beach, Merritt Island, Viera, Rockledge, Titusville
Down Payment Assistance Programs in Brevard County
Brevard County buyers have access to multiple state-level DPA programs that can be combined for up to $45,000+ in assistance. Brevard County also receives SHIP (State Housing Initiatives Partnership) funding which provides additional local assistance — contact me for current availability and amounts.
Statewide Programs Available in Brevard County
- Hometown Heroes: Up to $35,000 — 0% interest deferred loan, no monthly payments. Available to teachers, nurses, first responders, military, childcare workers, and 50+ eligible professions.
- FL Assist: Up to $10,000 — 0% interest deferred second mortgage, no monthly payments while you live in the home.
- FL HLP: Up to $10,000 — 3% interest, 15-year repayment (~$69/month).
- Salute Our Soldiers: Up to $35,000 — for veterans and active military. Veterans do not need to be first-time buyers.
Brevard County SHIP Program
Florida distributes SHIP funding to all 67 counties. Brevard County administers its own SHIP program which can provide additional down payment and closing cost assistance. SHIP amounts and availability vary by funding cycle — I track which programs are currently funded and accepting applications.
Brevard County DPA Stacking Example
- Hometown Heroes: $35,000 (state)
- FL Assist: $10,000 (state)
- Brevard County SHIP: varies (county)
- Total potential: $45,000+ depending on SHIP availability
I specialize in finding and stacking every DPA program you qualify for. Contact me to get a personalized breakdown for your situation.
Brevard County Loan Limits
The 2026 conforming loan limit for Brevard County is $832,750 for a single-family home. Loans above this amount require jumbo financing, which I also offer through select wholesale lenders.
Cities Served in Brevard County
Melbourne, Palm Bay, Cocoa Beach, Merritt Island, Viera, Rockledge, Titusville
Home Loans in Brevard County
As a licensed mortgage lender serving all of Brevard County in the Space Coast region, I help buyers and homeowners find the right loan at the best rate. Whether you’re purchasing your first home in Melbourne or refinancing an existing property, I shop dozens of wholesale lenders to get you the most competitive terms available.
Loan Programs Available
- Conventional — As low as 3% down for qualified buyers
- FHA — 3.5% down, credit scores from 580
- VA — 0% down for eligible veterans and active-duty
- USDA — 0% down in eligible rural areas of Brevard County
- Foreign National — Financing for non-US citizens
- DSCR — Investment property loans based on rental income
Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender