Florida Mortgage Advisor
Florida coastal financing, refined.
Miami waterfront, Tampa Bay, Naples, Palm Beach — Eddy structures jumbo, second-home, and investor financing for Florida buyers, including condo and short-term rental programs.
$832,750
2026 conforming limit
0.90%
FL property tax (avg)
$1,249,125
High-cost ceiling
—
No state income tax
Coastal jumbo & second homes
Jumbo programs to $5M+ across Miami-Dade, Broward, Palm Beach. Foreign-national programs available for international buyers.
Florida condo financing
Warrantable, non-warrantable, and condotel programs. We pre-vet associations early so closings don't unravel at underwriting.
STR / Investor DSCR
Airbnb and short-term rental income qualifies under DSCR programs across Florida vacation markets — Naples, 30A, Orlando area.
Insurance reality
Florida insurance underwriting is its own art form. Eddy works with carriers who quote realistic premiums upfront so your DTI math holds.
Cities served
Miami · Tampa · Orlando · Jacksonville · Naples · Palm Beach · Fort Lauderdale · Sarasota
Frequently asked
Are there high-cost county loan limits in Florida?+
Monroe County (Florida Keys) is the only Florida high-cost area in 2026, with a conforming ceiling of $1,249,125. Most other counties use the $832,750 baseline.
Can I qualify on rental income from a Florida Airbnb?+
Yes — Non-QM DSCR programs allow short-term rental income (typically using a 12-month average or AirDNA market data) with no personal income documentation required.
What about Florida hurricane insurance?+
Wind and flood insurance are typically required and underwritten as part of your monthly PITI. Eddy works with insurance partners to quote accurately before you go under contract.
Do foreign nationals qualify for Florida mortgages?+
Yes — foreign national programs allow purchases with 25-30% down, no US credit, and asset verification. Common for South American and European buyers in Miami and Naples.