Home Purchase Loans in Florida
Financing for primary residences, second homes, and investment properties.
Buying a home in Florida is one of the biggest financial decisions you will ever make. Witte Mortgage helps buyers structure the right purchase loan for a primary residence, vacation home, or rental property.
As an independent Florida mortgage broker (NMLS #627790), Witte Mortgage shops conventional, FHA, VA, USDA, and jumbo purchase loans across dozens of wholesale lenders. That means you see real, competitive pricing rather than one bank's rate card.
We help first-time buyers, move-up buyers, snowbirds, and investors compare 30-year fixed, 15-year fixed, and adjustable-rate mortgages with clear breakdowns of monthly payment, closing costs, and total cost over time.
Available to qualified Florida borrowers statewide — including Tampa, St. Petersburg, Orlando, Miami, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, Gainesville, Tallahassee, and the Panhandle.
Highlights
Purchase pre-approval in 24 hours
Shop with a real pre-approval letter — not a generic pre-qual.
Low-down-payment options
3% conventional, 3.5% FHA, 0% VA and USDA for eligible buyers.
Condo, townhome & single-family
Financing for Florida condos (including non-warrantable), townhomes, and SFRs.
Second home & investment
Vacation home and rental property financing across Florida markets.
Apply Now
Apply for your mortgage online
Start your secure online application. It takes about 15 minutes, saves as you go, and lets you upload documents right from your phone or laptop.
Applying does not affect your credit score until you authorize a credit pull. This is not a commitment to lend.
How it works
Our four-step process
A clear, transparent path from first conversation to closing — designed to save you time and remove surprises.
1. Free discovery call
Share your goals, timeline, and situation. Peter listens first — no pressure, no cookie-cutter pitch.
2. Program shopping
We compare programs across our lender and carrier network to identify the best fit for your scenario.
3. Application & underwriting
Clean document intake, straight talk on conditions, and proactive updates so nothing stalls.
4. Close & follow-through
We coordinate closing, then stay available for future refinances, renewals, and referrals.
Why Florida clients choose Witte Mortgage
Independent Florida broker
Not tied to one bank or carrier — we shop the market so your interests come first.
Direct access to Peter
You work with a licensed professional (NMLS #627790), not a call center rep.
Statewide Florida coverage
Tampa Bay to Miami, Jacksonville to the Panhandle — we know local markets.
Transparent, honest quotes
Clear breakdowns of rate, fees, and total cost — no bait-and-switch.
Fast, responsive service
Same-day replies during business hours and evening/weekend flexibility.
Long-term relationship
Most of our business comes from repeat clients and referrals — we play the long game.
FAQs
Frequently asked questions
How long does a Florida home purchase take to close?+
Most conventional and government purchase loans close in 21–30 days once you are under contract.
Do I need 20% down to buy in Florida?+
No. Many programs allow 0–5% down. 20% down avoids PMI on conventional loans but is not required.
Can I include closing costs in the loan?+
Often yes — through seller concessions, lender credits, or rolled costs on refinances. We map the cleanest path for your scenario.
Residential Lending
Related residential lending programs
Explore other programs in this category — many clients combine or compare options before deciding.
Mortgage Refinance in Florida
Rate-and-term and cash-out refinance options.
Learn moreConventional Loans in Florida
Traditional agency-backed home loans for qualified borrowers.
Learn moreFHA Loans in Florida
Government-backed loans with flexible qualification.
Learn moreVA Loans in Florida
$0-down home loans for veterans, active duty, and eligible spouses.
Learn moreUSDA Loans in Florida
Zero-down financing for eligible rural and suburban areas.
Learn moreJumbo Loans in Florida
Financing above conforming limits for higher-value properties.
Learn moreHome Purchase Loans available across Florida
Peter serves clients statewide. Click any market to start a conversation about your goals.
Schedule a consultation
Ready to talk about residential lending?
Pick a time that works for you. Peter will reach out to discuss your situation and next steps.