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Florida Mortgage Rates & Home Loans

The Short Version

Freedomstar Financial offers competitive Florida mortgage rates on conventional, FHA, VA, and jumbo home loans, licensed in Florida (License #LO135517). The 2026 baseline conforming loan limit in Florida is $832,750, with high-balance and jumbo financing available for higher loan amounts.

Florida draws primary-home buyers, relocating retirees, and investors alike. With no state income tax and steady in-migration, financing options span conventional, FHA, VA, jumbo, and DSCR investor loans.

Licensed in Florida — Ivan Hendren, NMLS #152318· License #LO135517

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Today's Florida Mortgage Rates

Live best-execution rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.

Conventional 30-Yr Fixed

6.000%

APR 6.101%

FHA 30-Yr Fixed

5.490%

APR 5.602%

VA 30-Yr Fixed

5.625%

APR 5.741%

DSCR Investor 30-Yr

6.875%

APR 6.988%

Rates subject to change. See Rate Assumptions.

Florida Home Loan Facts

Median Home Price

~$415,000

Curated statewide estimate.

2026 Conforming Limit

$832,750

Baseline one-unit limit.

2026 FHA Floor

$541,287

Higher in high-cost counties.

Property Taxes

Florida has no state income tax. Homeowners who claim a primary residence may qualify for the Homestead Exemption, which reduces taxable value and caps annual assessment increases.

Loan Limits & Market

Most Florida counties use the baseline conforming limit of $832,750. Monroe County (the Keys) carries a higher high-cost limit. Investor demand also makes DSCR loans a common tool in Florida.

Market facts last updated July 21, 2026.

First-Time Buyer Programs in Florida

Florida Housing HFA Preferred

Conventional first mortgage with reduced mortgage insurance for eligible buyers.

Florida Assist (FL Assist)

Down payment and closing-cost assistance as a deferred second mortgage.

Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.

Licensed to Lend in Florida

Your Florida loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Florida mortgage license (#LO135517). See our full licensing & disclosures for details.

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Florida Mortgage FAQ

What is the conforming loan limit in Florida for 2026?

The 2026 baseline conforming loan limit in Florida is $832,750 for a one-unit home in most counties. Monroe County (the Florida Keys) carries a higher high-cost limit.

Can I get a DSCR loan for a Florida rental property?

Yes. DSCR loans qualify you on the property’s rental cash flow rather than personal income, which makes them popular for Florida investment and vacation-rental purchases.

Is Freedomstar Financial licensed in Florida?

Yes. Freedomstar Financial is licensed to originate residential mortgages in Florida. Current license numbers are listed on this page and on our licensing page.