Purchase a Home in Florida
Find the right loan program, maximize your down payment assistance, and close with confidence.
Home Purchase Loans Across All 67 Florida Counties
Buying a home is one of the biggest financial decisions you will make, and finding the right mortgage can save you tens of thousands of dollars over the life of your loan. I work with dozens of wholesale lenders to shop your file and find the most competitive rate and terms available for your situation. Whether you are a first-time buyer in Orlando, upgrading to your dream home in Tampa, purchasing waterfront property in Fort Lauderdale, or investing in rental properties in Jacksonville, I will guide you through every step from pre-approval to closing.
As a licensed mortgage lender operating statewide, I serve borrowers in every Florida county, from Miami-Dade to Escambia. My clients benefit from direct access to conventional, FHA, VA, USDA, and specialty loan programs, along with expert knowledge of Florida’s down payment assistance grants that most loan officers do not know how to stack.
What Sets My Purchase Process Apart
24-Hour Pre-Approvals
In a competitive Florida market, speed matters. I issue full pre-approval letters within 24 hours so you can make offers with confidence. Your letter is backed by a real underwrite, not just a quick credit pull, which gives sellers and listing agents confidence in your offer.
Down Payment Assistance Stacking
Most borrowers and most loan officers do not realize you can combine multiple assistance programs on a single purchase. I specialize in identifying and stacking city, county, and state grants, including Hometown Heroes, FL Assist, and local SHIP programs, so you keep more cash in your pocket at closing.
Competitive Rate Shopping
Unlike a bank that offers one set of rates, I shop your loan across dozens of wholesale lenders to find the best combination of rate, closing costs, and terms. This means you are not locked into a single lender’s pricing. I find you the deal that saves the most money.
Loan Programs Available for Florida Home Buyers
Conventional
As low as 3% down for qualified buyers. Strong credit profiles benefit from competitive rates and no monthly mortgage insurance with 20% down. Ideal for buyers with established credit and stable income.
FHA
3.5% down with credit scores as low as 580. More flexible qualifying guidelines make this the go-to program for first-time buyers and borrowers rebuilding credit. Allows gift funds for the full down payment.
VA
0% down for eligible veterans, active-duty service members, and surviving spouses. No monthly mortgage insurance and competitive rates make VA one of the strongest loan programs available anywhere.
USDA
0% down for properties in eligible rural and suburban areas of Florida. Income limits apply, but many areas outside major metros qualify. A powerful option for buyers looking in growing communities.
DSCR / Investor
Qualify based on the property’s rental income rather than your personal income. Designed for real estate investors building or expanding rental portfolios in Florida’s strong rental markets. No tax returns required.
Foreign National
Purchasing property in Florida without a Social Security number or U.S. credit history is possible. I work with lenders who specialize in foreign national loans for both primary residences and investment properties.
Who I Work With
First-Time Buyers — Navigating your first mortgage can feel overwhelming. I walk you through every step, explain your options in plain language, and make sure you take advantage of every grant and assistance program you qualify for.
Move-Up Buyers — Upgrading to a larger home or a better neighborhood? I help you understand your equity position, coordinate timing between selling and buying, and find the best financing for your next home.
Self-Employed Borrowers — If your tax returns do not reflect your true earning power, I have access to bank statement programs and alternative documentation loans designed for business owners and independent contractors.
Veterans & Military — Your service earned you one of the most powerful mortgage benefits available. I help you maximize your VA loan entitlement with zero down payment, no PMI, and the most competitive rates in the market.
Real Estate Investors — Whether you are buying your first rental property or adding to a growing portfolio, I offer DSCR loans, conventional investment property financing, and strategies for scaling efficiently.
Foreign Nationals — Buying Florida property from outside the U.S. requires a lender who understands the unique documentation and qualification requirements. I specialize in making international purchases smooth and straightforward.
How the Purchase Process Works
1. Pre-Approval
We review your income, credit, assets, and goals to determine exactly how much home you can afford. You receive a detailed pre-approval letter that sellers and agents take seriously.
2. House Hunting
Armed with your pre-approval, you shop with confidence. You know your budget, your monthly payment range, and which loan programs give you the most flexibility.
3. Loan Application
Once you are under contract, we finalize your loan package. I collect your documents, lock your rate at the right time, and submit everything to underwriting.
4. Processing & Underwriting
I manage the paperwork, coordinate with the title company and appraiser, and keep your file moving. You get clear updates at every milestone so there are no surprises.
5. Clear to Close
Once underwriting approves your file, we prepare your closing disclosure. You review the final numbers, confirm everything matches what we discussed, and schedule your closing date.
6. Closing Day
Sign your documents, get your keys, and move into your new home. I stay in touch after closing to make sure everything is settled and answer any questions that come up.
Ready to Start Your Home Purchase?
Whether you are a first-time buyer, a seasoned investor, or looking to upgrade, I am here to help you find the best loan for your situation. Reach out for a free, no-obligation consultation.
Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender. Licensed in CA, CO, FL, ID, NV, NC, OR, PA, TN, TX, UT, WA. All loans subject to credit approval. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice.