HOME PURCHASE FINANCING
Purchase financing that starts before the offer.
For buyers of primary residences and second homes throughout Central Florida. The right purchase loan is chosen against the property, the market, and your finances — not picked from a rate sheet.
Who this financing is designed for
Buyers purchasing a primary residence or second home in Central Florida.
Homeowners selling one home and buying another, where timing and equity both matter.
Buyers competing in multiple-offer situations who need a preapproval sellers take seriously.
What to evaluate
True monthly cost
Principal and interest plus taxes, insurance, HOA, and any CDD assessment — modeled for the specific property, not a rule of thumb.
Cash to close and reserves
Down payment, closing costs, prepaid taxes and insurance, and what should remain in savings afterward.
Loan structure
Fixed versus adjustable, term length, points, and how each choice fits how long you expect to own the home.
Offer strength
How your financing terms — appraisal, financing contingency timelines, earnest money — read to a listing agent.
Documentation to gather
—Two years of W-2s or tax returns
—Recent pay stubs covering 30 days
—Two months of bank and asset statements
—Photo identification
—Documentation for any gift funds
Common mistakes to avoid
—Shopping homes before understanding your full monthly cost, including taxes and insurance.
—Opening new credit or financing furniture between contract and closing.
—Assuming the listing's tax figure is what you will pay — Florida taxes reset after a sale.
The next step
A planning conversation to establish your purchasing power, comfortable payment, and cash requirements — before you tour a single home.
Start a Loan Conversation