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Secure encrypted application About 15 minutes

Applying does not affect your credit score until you authorize a credit pull. This is not a commitment to lend.

Compliance & disclosures

NMLS #: 627790
Company licensing: Witte Mortgage, NMLS #627790
Equal Housing Opportunity: We do business in accordance with the Federal Fair Housing Law.
Required mortgage disclosures: [Disclosure placeholder]

This is not a commitment to lend. All loans are subject to credit approval, program guidelines, and property eligibility. Rates and terms are subject to change without notice.

Ready to explore your mortgage options?

Pick a time that works for you and Peter will reach out to discuss your Florida home loan or refinance.

Florida Mortgage Broker

Home loans and refinancing across the state of Florida

Witte Mortgage is a Florida-licensed mortgage brokerage (NMLS #627790) helping first-time homebuyers, move-up buyers, real estate investors, and homeowners refinance across the entire state — from Tampa Bay and the Gulf Coast to Orlando, Miami, Jacksonville, and the Panhandle. Whether you are buying a primary residence, a vacation home in Naples or Destin, or an investment property in the greater Miami area, Peter helps you compare mortgage programs from multiple lenders side by side.

As an independent Florida mortgage broker, we shop conventional, FHA, VA, USDA, jumbo, non-QM, and bank-statement loan programs so you see real quotes, real rates, and real closing costs. That means competitive pricing on 30-year fixed, 15-year fixed, and adjustable-rate mortgages, plus specialty programs for self-employed borrowers, condo buyers, and second-home purchasers.

Refinancing? We help Florida homeowners lower their monthly payment, drop mortgage insurance, shorten their term, or tap home equity through cash-out refinance loans and HELOC alternatives. Every recommendation is grounded in your actual goals — not a script.

Why Florida homebuyers choose Witte Mortgage

Multiple lenders, one application

As a broker we shop wholesale rates across dozens of lenders — often beating retail bank pricing on conventional, FHA, and VA loans.

First-time homebuyer expertise

Down payment assistance, Florida Housing programs, and low-down-payment options explained in plain English.

VA loans for Florida veterans

$0 down VA mortgages for active-duty service members, veterans, and eligible spouses — with no PMI and competitive rates.

Jumbo & coastal properties

Financing for high-value homes, luxury condos, and waterfront properties in Miami, Naples, Sarasota, and beyond.

Investor & DSCR loans

Rental property, DSCR, and non-QM loan programs for real estate investors building Florida portfolios.

Fast, honest communication

Direct texts and calls with Peter — not a call center. Clear timelines from application to closing.

Serving communities across Florida

Peter works with clients throughout the state — from Tampa Bay to Miami-Dade, Orlando to Jacksonville, and every community in between.

FAQs

Florida mortgage FAQs

How much home can I afford in Florida?+

Affordability depends on your income, debts, credit score, down payment, and current interest rates. Most lenders want your total housing payment plus other monthly debts to stay under about 43–50% of gross income. Peter runs a free pre-qualification review so you shop with a realistic Florida price range and property tax estimate built in.

What credit score do I need for a mortgage in Florida?+

Conventional loans typically start at 620, FHA loans at 580 (or 500 with 10% down), VA loans at 580–620 depending on the lender, and jumbo loans usually 700+. Peter works with lenders across the credit spectrum and can suggest quick score improvements before you apply.

How much down payment do I need to buy a home in Florida?+

As little as 0% down for VA and USDA loans, 3% for many conventional first-time-buyer programs, 3.5% for FHA, and 10–20% for jumbo. Florida Housing and county-level down payment assistance programs may reduce out-of-pocket costs further for eligible buyers.

Is now a good time to refinance my Florida home?+

It depends on your current rate, remaining balance, how long you plan to stay, and your goal — lower payment, shorter term, or cash out. A break-even analysis usually tells you within minutes whether refinancing makes sense. Peter runs one for free with no obligation.

Can I get a mortgage as a self-employed borrower in Florida?+

Yes. In addition to standard conventional and FHA loans that use tax returns, we offer bank-statement loans, 1099-only loans, P&L loans, and asset-based programs designed for self-employed borrowers, gig workers, and business owners.

How long does it take to close a mortgage in Florida?+

Most purchase loans close in 21–30 days once your contract is executed. Refinances typically close in 25–35 days. Rate-lock periods, appraisal turn times, and HOA document requests (common for Florida condos) are the biggest variables.