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Best Florida Mortgage Lenders of 2018

Finding the Right Mortgage, Mortgages
At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from our partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

NerdWallet offers financial tools and advice to help you understand your options and make the best possible decisions. The guidance we offer and information we provide are deeply researched, objective and independent.

We spent over 400 hours reviewing the top mortgage lenders before selecting the best for our readers. We’ve picked at least two lenders in several "best of" categories to help you find a lender that meets your needs.

If you’re looking to buy or refinance a home in Florida, you have many lenders to choose from. And no matter whether your homeownership dream in the Sunshine State is a beachfront condo or a suburban mid-century modern near great schools, picking the best mortgage lender is a key part of finding the right mortgage for you.

NerdWallet has researched some of the top lenders in Florida and picked the best options for those with particular borrowing needs.

National and regional mortgage lenders in Florida

Though they serve borrowers across the country, these lenders are among the most popular mortgage providers in Florida.

Best Florida mortgage lenders for first-time home buyers

Buying your first home is hard enough, so it’s best to have help from savvy pros. These lenders are well-suited to first-time home buyers.

Quicken Loans
  • The largest Federal Housing Administration lender in the nation
  • Well-qualified buyers can get a loan with just 1% down
  • Its Rocket Mortgage app is particularly appealing to tech-friendly users
  • Quicken Loans review
suntrust mortgage
  • A top-10 loan-volume originator in Florida
  • Conventional loan programs for first-time home buyers with down payments as low as 3%
  • First-time home buyer loan programs from the FHA, Department of Veterans Affairs and U.S. Department of Agriculture
  • SunTrust mortgage review

Best Florida mortgage lenders for refinancing

If you’re looking for a cash-out refinance or want to lower your interest rate, these lenders are refi friendly.

  • Though it has expanded its services, Lenda began as a mortgage refinance-only lender; that remains its specialty
  • Offers a paperless process
  • Borrowers can review different loan terms and rate options with their online quotes
  • Lenda review
  • A leading lender in the Southeast
  • You can apply online but only if you have a BB&T account
  • Offers a full line of refinancing and home equity loans
  • BB&T review

Best Florida online mortgage lenders

On the beach and not ready to pack it in? These lenders let you apply for a home loan with your toes in the sand.

Rocket Mortgage
  • You’ve heard the pitch, “Push button. Get mortgage.” This is the company.
  • Employment and asset verification happens online within minutes — saving a lot of time
  • You’ll usually receive a loan decision within minutes, too
  • Rocket Mortgage review
  • Offers an online application process with secure document uploads and electronic signing
  • Claims a 95% customer satisfaction rating
  • Has 170 branches across the country if you want to discuss questions face-to-face
  • Guaranteed Rate review

Best Florida mortgage lenders for face-to-face service

If you prefer a bit more hand-holding, these lenders are noted national brands with locations throughout Florida.

  • The Affordable Loan Solution loan program allows a down payment of just 3%, with no mortgage insurance
  • A physician loan program assists docs who are a bit short on a down payment but have strong earning potential
  • Existing bank customers may qualify for a reduction in fees
  • Bank of America mortgage review
  • Provides the full line of loan products you would expect from a megabank
  • Offers a 3% down payment option for borrowers with a credit score of 680 or better
  • Electronic submission and tracking of documents
  • Chase mortgage review

Best Florida mortgage lenders for borrowers with bad credit

Even if your credit isn’t the best, these lenders can help you chart a course to homeownership.

  • Caters to minority and low-income borrowers
  • Offers loans for manufactured housing
  • Helps borrowers find state-sponsored down payment assistance and grant programs
  • New American Funding review
churchill mortgage
  • Offers loans to customers without credit scores, using utility bill and rent payment history, among other factors
  • Loan advisors help borrowers find applicable state housing and rural/farm assistance programs
  • Advocates a path to “debt-free homeownership”
  • Churchill Mortgage review

Local Florida mortgage lenders

Although NerdWallet hasn’t reviewed these lenders yet, they may be worth considering if you prefer a Florida-based mortgage provider.

  • Online application and mobile app
  • Offers FHA, VA and USDA loans, as well as construction, jumbo and reverse mortgages
  • Has an online library of homebuying guides and a mortgage glossary
  • Online application and mobile app
  • Offers FHA, VA and USDA mortgages, as well as renovation, reverse and jumbo loans
  • Multiple refinance options
  • In-house down payment assistance program

 

  • Full online application
  • Automatic loan status updates
  • Website offers educational resources, including a mortgage glossary and checklist
  • Mortgage pre-qualification available online
  • Offers construction-to-permanent loans, executive/doctor mortgages and foreign national loans
  • Program for low- to moderate-income borrowers offers home loans with no private mortgage insurance

Best Florida mortgage lenders: summary

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NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.