Supreme Lending
Brian Colon
Boca Raton, FL
The Mortgage Side of Your Move
Florida Mortgage Lenders
Buying a Florida home starts with the mortgage. For many New Jersey to Florida buyers, financing is the part that feels the most uncertain. This page covers the essentials: a reviewed Florida lender, what pre-approval takes, and how Florida financing can differ from New Jersey. You can also run the numbers yourself with the calculator below.
I am Scott Selleck. I have watched hundreds of buyers make this move, and I built this page to make the financing side clear. No pressure, and no fine print games. Just the facts, plus someone to call when you need a hand.
Selected and Reviewed
Preferred Florida Lender
I selected and reviewed this lender to help New Jersey to Florida buyers with mortgage pre-approval for a Florida home. Reach out to him directly with questions about pre-approval and your options.
Financing terms, rates, and program eligibility are handled directly by Supreme Lending. Pre-approval can give you a clearer budget and a stronger position when you make an offer.
Get Pre-Approved
Pre-approval is a lender's review of your finances that results in a written estimate of the loan amount you may qualify for. It gives you a clear budget before you start looking, and sellers take an offer more seriously when the buyer is already pre-approved. Gather these documents early and the process moves smoothly.
What Lenders Typically Ask For
- Recent pay stubs, usually from the last 30 days
- W-2s and tax returns for the last two years
- Bank and investment statements, typically the last two months
- Credit history, which your lender reviews as part of the application
- A government-issued photo ID
Practical Tips That Help
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Check your credit early
Pull your credit reports and review them for errors well before you apply. Fixing a mistake takes time.
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Avoid large new purchases before closing
A new car, a big credit card balance, or a new loan can change your approval. Keep your credit picture steady.
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Keep funds where they have been documented
Lenders verify your assets. Large or unexplained deposits can slow the process down.
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Do not change jobs mid-process
Lenders verify income at several points. A job change can reset parts of the approval.
These tips apply to any buyer, regardless of income, occupation, family status, or age. Mortgage qualification is based on your individual financial picture.
Florida Mortgage Nuances
Financing a home in Florida works much like it does in New Jersey, but a few things are worth knowing before you start. Here is what buyers often ask about, in plain terms.
Homestead exemption
Florida's homestead exemption can lower the taxable value of a primary residence. This is informational only. Confirm how it applies to your situation with a CPA or tax professional.
Flood insurance
Flood insurance may be required in designated flood zones. Your lender will let you know whether the property you are buying falls in one.
Condos and FHA certification
Condo purchases can face warrantability and FHA certification considerations. Buyers financing a condo should ask their lender about the building early.
Property taxes vary by county
Property taxes are set county by county in Florida. Your lender uses the rate for the specific county where the home sits.
No state income tax
Florida has no state income tax. That does not change the mortgage process, but it is part of the overall cost picture for many buyers.
Closing costs and title insurance
Closing costs and title insurance differ from state to state. Your Florida lender and closing agent will itemize them for you.
Current Mortgage Rate Context
As of September 10, 2026. Reviewed regularly.
The 30-year fixed-rate mortgage averaged 6.76% and the 15-year averaged 6.09%, per the Freddie Mac Primary Mortgage Market Survey as of September 10, 2026. Rates are reviewed regularly and change weekly.
What Moves Mortgage Rates
Mortgage rates move with the broader economy. Federal Reserve policy, bond yields, inflation, and monthly jobs reports all play a role. When markets expect slower growth or lower inflation, rates often ease; when growth and inflation look strong, rates often climb.
These are published averages, not quotes. Your rate will depend on your situation, your down payment, and the lender you choose. For a personalized rate, consult a licensed mortgage professional.
Mortgage Calculator and Amortization Table
Enter the loan amount, down payment, interest rate, and term. You will see an estimated monthly principal and interest payment plus a full amortization schedule. No signup, no login. The math runs right here in your browser.
Your Numbers
Estimated monthly payment
$0
Principal and interest only. Property taxes, insurance, HOA fees, and PMI are not included.
Loan amount financed
$0
Estimate only, not a quote or commitment. Consult your lender for exact terms.
Full Amortization Schedule
Every payment over the life of the loan, month by month.
| Month | Payment | Principal | Interest | Balance |
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Helpful Resources for Florida-Bound Buyers
A short, curated list of authoritative sources. These are government and industry sites, not affiliated with us. They are helpful places to learn the details of buying and financing a home.
Consumer Financial Protection Bureau: Owning a Home
Tools and resources for homebuyers, from mortgage basics to the closing table.
U.S. Department of Housing and Urban Development: Buying a Home
Homebuyer guidance, including fair housing, RESPA, and FHA help.
Freddie Mac: Mortgage Rates (Primary Mortgage Market Survey)
The weekly published average mortgage rates that this page references.
Want to Talk Through Your Florida Move?
Buying a home in Florida is a big step. I can help you plan the whole move, from selling in New Jersey to financing and closing in Florida. Bring your questions to a free discovery call, or send me a message.
Or call/text (201) 970-3960.
This content was created with AI assistance and reviewed for fair housing compliance.