Florida
Mortgage Company in Florida
- 100+ lenders, one application
- Licensed in Florida, MBR2238
- No credit pull to start
Florida is a buyer's market in 2026, but condo rules and insurance costs make financing harder than it looks. Access Financial is an independent mortgage company in Florida that sends one application to more than 100 lenders.
Serving
Every Florida county
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- FL licenseMBR2238
- NMLS1370402
- $375KTypical Florida home
- 48 daysTo pending, statewide
- 72.8%Sold under list price
- 100+Wholesale lenders
Florida locations
Find your area
Pick your area for local prices, insurance notes and neighborhoods.
Loan programs
Every major loan type, statewide
A Miami condo, an Orlando rental and a Naples winter home need very different loans. Each runs through one mortgage company in Florida and one loan officer.
Purchase loans
Florida home loans for houses, townhouses and villas in any county.
About purchase loansCondo loans
New safety rules changed building reviews. Florida condo loans start with a close look at reserves and inspections.
Condo purchase loansSecond home loans
Second home loans in Florida fit winter homes and family getaways.
About second home loansConventional 97
3 percent down for qualified buyers. A common start for a first time home buyer Florida file.
About Conventional 97VA purchase loans
MacDill, Jacksonville and Pensacola bring many VA buyers. Eligible buyers put nothing down.
About VA loansShort term rental loans
Vacation rentals near the parks or the beach can qualify on projected income.
About short term rental loansWhy us
Tougher files need a wider lender list.
One institution means one price list. We are an independent mortgage company in Florida, licensed by the state as MBR2238. Over 100 lenders review your file, and you get their offers in writing.
Condo buildings reviewed early
We check reserves, assessments and inspections before you commit.
Insurance in every estimate
Wind and flood coverage change the payment. We price them in from the start.
One loan officer to closing
The same person handles your file, even if you live out of state.
No credit pull to start
We start with the numbers you share and check credit when you proceed.
The Florida market
Buyers finally have the upper hand.
Zillow put the typical Florida home value near $375,470 in August 2026. Homes took about 48 days to go pending, and 72.8 percent of sales closed under list price.
That leverage is real, but only if your financing is solid. A written preapproval from a mortgage company in Florida lets you negotiate price and credits.
What one application gets you
- Lenders who can see your file100+
- Loan programs reviewed40+
- Time to a preapproval letterSame day
- Loan officers handling you1
- Credit pulled to get this farNone
Who we help
Where in Florida are you buying?
Most calls to a mortgage company in Florida start with one of these four.
"We found a condo in Brickell but the building has an assessment."
We check how lenders view the building before you commit.
Miami and Fort Lauderdale page"I want a vacation rental near the parks."
Short term rental loans can count projected income.
Orlando page"I report to MacDill next month."
VA files set up early close on schedule.
Tampa page"We want a winter home on the Gulf."
Second home loans fit that plan.
Naples and Sarasota pageWhere we lend
From the Panhandle to the Keys
One mortgage company in Florida file covers every county, not only the ones with their own page. Searching for a mortgage lender near me in Pensacola or Gainesville? The same team handles Florida home loans statewide.
- Miami
- Fort Lauderdale
- West Palm Beach
- Orlando
- Tampa
- St. Petersburg
- Jacksonville
- Naples
- Sarasota
- Fort Myers
- Gainesville
- Tallahassee
- Pensacola
- Daytona Beach
- Melbourne
How it works
Same process across the state
Working with a mortgage company in Florida like ours runs by phone and online, even from out of state.
- First callIncome, assets and where you want to buyAbout 10 min
- Building and insurance checkCondo review and coverage estimateSame day
- PreapprovalA written letter for your agentSame day
- ClosingRemote signing where allowed30 to 45 days
Before you apply
Start with these
What Florida buyers read before choosing a lender.
Find out what you qualify for
Negotiate with your financing settled
Tell us how you earn and where you want to buy. We send each option in writing, with insurance estimated and no credit pull to start.
Call (443) 494 4001 to reach a mortgage company in Florida that knows condo and coastal files, or apply online.
Access Financial Mortgage Corp. NMLS 1370402. Florida License MBR2238. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines.
FAQ
Florida mortgage questions
Are you licensed in Florida?
Yes. Access Financial holds Florida license MBR2238 and NMLS 1370402. As a mortgage company in Florida, we lend in every county.
What is the 2026 loan limit in Florida?
Most counties use the $832,750 baseline for a single family home. A few, such as Monroe County, are higher.
Is there help for a first time home buyer in Florida?
Yes. A first time home buyer Florida file can start at 3 percent down, and Florida Housing offers statewide programs.
How do Florida's condo rules affect my loan?
Buildings now need inspections and funded reserves. Lenders review those closely, and some buildings face assessments.
Do you only lend in the cities listed here?
No. The listed cities are our busiest, not our only markets.
How fast can I get preapproved?
Many buyers who call a mortgage company in Florida like ours have a letter the same day.