USDA loans, backed by the U.S. Department of Agriculture, offer 100% financing in designated rural and many suburban areas across Florida — including outskirts of Ocala, Lakeland, Ocala National Forest, and Panhandle counties.
USDA loans require no down payment, offer low fixed rates, and have reduced mortgage insurance compared to FHA. Income and property location must fall within USDA guidelines.
Witte Mortgage checks USDA eligibility for your target property and household income before you start shopping.
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
$0 down payment
100% financing for eligible rural and suburban Florida homes.
Low MI
Guarantee fee and annual fee are lower than FHA MIP.
Flexible credit
Typically 620+ credit score with compensating factors.
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
Which Florida areas qualify for USDA loans?+
Many more than people expect — significant portions of North Florida, the Panhandle, and inland Central Florida qualify. We check by address.
Are there income limits?+
Yes — USDA sets household income limits by county and household size.
Residential Lending
Related residential lending programs
Explore other programs in this category — many clients combine or compare options before deciding.
Home Purchase Loans in Florida
Financing for primary residences, second homes, and investment properties.
Learn moreMortgage 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 moreJumbo Loans in Florida
Financing above conforming limits for higher-value properties.
Learn moreUSDA 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.