What is the difference between a mortgage broker and a bank?

A bank offers only its own loan products at retail rates. As a wholesale mortgage broker OnPoint shops your loan across 20+ wholesale lenders priced for brokers. Florida mortgage brokers are licensed by the Office of Financial Regulation under Chapter 494, Florida Statutes.

Florida Mortgage Loans, Compare 20+ Top Lenders, One Quote

Q: What credit score do I need to qualify for a Florida mortgage?

FHA loans go down to 580 FICO (500-579 with 10% down). VA loans have no formal minimum (most lenders want 580+). Conventional loans typically require 620+. NON-QM programs accept scores as low as 580.

Q: What is the 2026 Florida conforming loan limit?

For most Florida counties the 2026 baseline conforming loan limit is $832,750. In high-cost counties (Los Angeles, Orange, San Francisco, San Mateo, Marin, Santa Clara, Alameda, Contra Costa) the ceiling rises to $1,249,125. FHA loan limits in those same high-cost counties also reach $1,249,125.

Q: Do you charge origination or junk fees?

No origination fee on most loan programs and no junk fees. You see every line item on your Loan Estimate within 3 business days of application per federal TRID rules.

Q: What documents will I need to provide?

Two recent pay stubs, two years of W-2s (or 1099s / tax returns if self-employed), two months of bank statements, government ID, Social Security card, DD-214 for VA loans, and the executed purchase contract for purchases.

OnPoint Mortgage Pro is a Florida-licensed wholesale mortgage brokerage based in Irvine. We shop your loan across twenty of the top wholesale lenders so you get the rate and program that actually fits, not whatever a single bank happens to be selling.

Lower rates by competing 20+ lenders, not just one
Pre-approval in as little as 24 hours
No origination fees on most loan programs
Approvals for credit scores from 580 (FHA) and up
Close in 21 days or less on qualified files

Question 1 of 10

Or call (877) 870-0007 if you'd rather talk to a person.

We Shop Your Loan Across 20+ Top Wholesale Lenders

PRMG - Paramount Residential Mortgage Group

Florida Mortgage Rates: National Average vs. OnPoint

What the typical retail bank quotes (national average), compared to what we deliver as a wholesale broker shopping 20+ lenders. The delta is what working with a broker actually saves you, every month, for the life of the loan.

Loan Type	National Avg	OnPoint Rate	OnPoint APR
30 Yr. Fixed (Conventional)	6.67%	5.875%	6.1%
30 Yr. FHA (Purchase)	6.22%	5.49%	6.4%
30 Yr. VA (Purchase)	6.24%	5.49%	5.8%
30 Yr. Jumbo	6.75%	Call	Custom

National averages from Mortgage News Daily, auto-synced from our mortgage calculator page. OnPoint posted rates auto-synced from our rates page. Both update without rebuilding this page. Rates illustrative based on 740 FICO, 70% LTV, Florida primary residence. Jumbo loans priced per file, call for a custom quote.

Calculate Your Florida Mortgage Payment

Defaults reflect a typical Florida scenario. Switch the loan type, adjust the price, or open the advanced section for taxes and insurance.

Calculator is an estimate. Your actual rate is priced individually. For a real quote, scroll up to the form on this page or call (877) 870-0007.

Meet Your Florida Loan Officer

Twenty-four years of Florida mortgage experience. One direct point of contact from quote to close.

Victor Santos

Senior Mortgage Loan Officer · Florida

Twenty-four years originating Florida mortgages. Specializes in conventional, FHA, VA, jumbo, and NON-QM programs. Personally manages your file from application through closing, with direct cell-phone access for clients.

NMLS ID: #888844
Licensed in: Florida (OFR License MBR7555)
Experience: 20+ yrs originating (LO since 2005)
Languages: English, Spanish

☎ Call Direct Send Me a Quote Request

How a Florida Mortgage Works at OnPoint

Three steps. No surprise fees. No black-box pricing.

Tell Us About Your Loan

Spend 30 seconds on our intake form, purchase or refinance, ballpark loan amount, credit-score range, property type. No credit pull at this step.

We Shop 20+ Top Wholesale Lenders

Your file goes out to our panel of national wholesale lenders, the same lenders most retail banks use, but priced for brokers. We bring back the strongest rate and program match.

Close in 21 Days (Typical)

Lock your rate, sign disclosures, complete underwriting. Most qualified Florida purchase loans close in 21 days from full application. Refinances often faster.

From the Atlantic Coast to the Gulf, We Close Loans Across Florida

From South Beach to the Space Coast to historic St. Augustine, OnPoint Mortgage Pro serves homeowners in every Florida community.

Florida Mortgage Programs at a Glance

2026 Florida loan limits and program highlights.

Conforming Loan Limit (most CA counties)$832,750

Conforming Limit (high-cost CA counties)Up to $1,249,125

FHA Loan Limit (LA / OC / SF Bay)Up to $1,249,125

VA Loan, Down Payment$0 with full entitlement

Conventional Minimum Down3% (first-time buyers)

FHA Minimum Down3.5% (580+ FICO)

Loan limits set by FHFA and HUD for 2026. Monroe County (Florida Keys) is the only Florida county with a high-cost designation; all other counties use the baseline limit.

★ ★ ★ ★ ★

Rated 5 Stars by Florida Homeowners

Speak with a licensed Florida mortgage specialist today, no obligation, no pressure.

Call (877) 870-0007

☎ (877) 870-0007

Why Florida Borrowers Choose OnPoint Mortgage Pro

⏱

Speed

Pre-approval in 24 hours. Most Florida closings in 21 days.

🏦

20+ Lenders

We shop your loan across the full wholesale market, not one bank.

🔍

Transparency

No junk fees. You see every line item before you sign.

📍

Local Experts

Headquartered in Irvine, CA. We know Florida county recording, escrow, and disclosure rules.

✅

Fully Licensed

NMLS #2134550. Florida Mortgage Broker License MBR7555 (Office of Financial Regulation).

Not Ready for the Full Questionnaire?

Send us your basics and we'll reach out within one business day. No credit pull, no commitment.

Loan Programs Available in Florida

Eight core programs, from first-time buyer FHA to jumbo NON-QM. Tell us your scenario and we'll match you to the right one.

🏠

Conventional

Fannie Mae / Freddie Mac loans. 3% down for first-time buyers, 5% for repeat. No PMI at 20%+ down.

🏢

FHA

3.5% down with 580+ FICO. CA county loan limits up to $1.25M in high-cost areas.

🇺🇸

VA

$0 down for eligible veterans and active duty. No PMI. No loan limit with full entitlement.

📚

VA IRRRL (Streamline)

Refinance an existing VA loan to a lower rate, no appraisal, no income docs, no out-of-pocket cost.

📊

FHA Streamline

Refinance an existing FHA loan to today's rate with minimal paperwork. No appraisal required.

🏠

Reverse Mortgage (HECM)

For Florida homeowners 62+. Tap home equity with no monthly payment requirement.

💵

Home Equity (HELOC / HELOAN)

Pull cash from your Florida home's equity without touching your existing first mortgage.

💼

NON-QM

Bank-statement, asset-depletion, DSCR, and ITIN programs for self-employed and non-traditional borrowers.

Cities We Serve in Florida

Dedicated mortgage guides for every Florida city we close loans in regularly. Click your city for local conforming limits, county-specific programs, and metro-level rate strategy.

Miami Mortgage

Baseline

Miami-Dade County · 2026 limit ,750

View Miami guide →

Jacksonville Mortgage

Baseline

Duval County · 2026 limit ,750

View Jacksonville guide →

Tampa Mortgage

Baseline

Hillsborough County · 2026 limit ,750

View Tampa guide →

Orlando Mortgage

Baseline

Orange County, FL · 2026 limit ,750

View Orlando guide →

Fort Lauderdale Mortgage

Baseline

Broward County · 2026 limit ,750

View Fort Lauderdale guide →

St Petersburg Mortgage

Baseline

Pinellas County · 2026 limit ,750

View St Petersburg guide →

Hialeah Mortgage

Baseline

Miami-Dade County · 2026 limit ,750

View Hialeah guide →

Tallahassee Mortgage

Baseline

Leon County · 2026 limit ,750

View Tallahassee guide →

Don't see your city? We close loans across the entire state of Florida. Get a free quote →

Is Working with a Mortgage Broker Compliant in Florida?

Yes, and Florida is one of the most heavily regulated mortgage markets in the country, which actually works in your favor as a borrower. OnPoint Mortgage Pro is licensed and supervised by multiple state and federal authorities.

State licensing: Our brokerage is licensed by the Florida Office of Financial Regulation (OFR), license MBR7555, and registered with the Nationwide Multistate Licensing System (NMLS #2134550) to originate mortgage loans in Florida. We operate under Chapter 494 of the Florida Statutes, which governs mortgage brokerage and lending. Every loan officer working on your file is individually NMLS-licensed.

Disclosure requirements: Federal law (TRID, TILA-RESPA Integrated Disclosure rule) requires us to give you a Loan Estimate within 3 business days of application. Florida adds state-level consumer protections specific to mortgage origination. You see every fee, every rate, every term, before you sign anything.

No obligation: Quotes and pre-approvals from OnPoint Mortgage Pro carry zero obligation to proceed. You can shop our offer against another lender's. We expect you to, that's how you know our pricing is competitive.

OnPoint Mortgage Pro · NMLS #2134550 · FL OFR License #MBR7555 · Equal Housing Lender

What Documents You'll Need for a Florida Mortgage

Standard documentation across most conforming and government loan programs. NON-QM programs require less; jumbo loans may require more.

Income: Two most recent pay stubs, W-2s from the last two years (or 1099s / two years of tax returns if self-employed)
Assets: Two most recent bank statements for all accounts used in qualifying, checking, savings, retirement, brokerage
Identification: Government-issued photo ID (FL driver's license or passport), Social Security card, and DD-214 for VA loans
Property (purchase only): Fully executed purchase contract and any addenda, we coordinate the appraisal directly with the lender's AMC

Your loan officer will send a personalized needs list within 24 hours of your application, most files require fewer documents than this complete list.

Florida Mortgage FAQ

Answers to the questions Florida buyers and homeowners ask us most often.

How much do I need for a down payment on a Florida home?

Less than most Florida buyers think. Conventional loans start at 3% down for first-time buyers (5% for repeat buyers). FHA requires just 3.5% down with a 580+ credit score. VA loans require $0 down for eligible veterans. On a $700,000 Florida home, that means as little as $21,000 down for conventional or $24,500 for FHA.

What credit score do I need to qualify for a Florida mortgage?

It depends on the loan program. FHA loans go down to 580 FICO (and even 500-579 with 10% down). VA loans technically have no minimum credit score, though most lenders look for 580+. Conventional loans typically require 620+. NON-QM programs accept scores as low as 580. We work with borrowers across the full credit spectrum and will tell you exactly which programs you qualify for after a soft credit check.

What is the 2026 Florida conforming loan limit?

For most Florida counties, the 2026 baseline conforming loan limit is $832,750. In high-cost counties like Los Angeles, Orange, San Francisco, San Mateo, Marin, Santa Clara, Alameda, and Contra Costa, the ceiling rises to $1,249,125. FHA loan limits in those same high-cost counties also reach $1,249,125. Loan amounts above those ceilings are considered jumbo loans and have different qualification rules.

How long does it take to close a Florida mortgage?

Typical Florida purchase loans close in 21 days from full application for qualified borrowers. Refinances usually run 18-30 days. The biggest variables are appraisal turnaround (Florida appraisers are in heavy demand) and how quickly you return underwriter document requests. Our average closing time across all Florida loan types last year was 24 days.

What's the difference between a mortgage broker and a bank?

A bank offers only its own loan products at retail rates. As a wholesale mortgage broker, OnPoint shops your loan across 20+ wholesale lenders, including the same lenders many banks use, but priced for brokers (wholesale rate, not retail markup). For most borrowers, this means a lower rate, more program options, and faster approval. Florida mortgage brokers are licensed by the Office of Financial Regulation under Chapter 494, Florida Statutes, and subject to consumer-protection rules including required Loan Estimate disclosures.

Can I get a mortgage in Florida with self-employment income?

Yes. Standard conforming and FHA loans accept self-employed borrowers with two years of tax returns. For business owners whose tax returns don't reflect their real income, we offer NON-QM programs: bank-statement loans (12-24 months of business bank statements instead of tax returns), asset-depletion loans (qualify on liquid assets), and Profit & Loss loans. These are widely used by Florida small-business owners and 1099 contractors.

Do you charge origination or junk fees?

No origination fee on most loan programs, and no junk fees ever. You'll see every line item on your Loan Estimate within 3 business days of application, per the federal TRID disclosure rules. Compare ours line-by-line against any bank or retail lender quote.

What documents will I need to provide?

Standard documentation includes: two most recent pay stubs, W-2s from the last two years (or 1099s / tax returns if self-employed), two months of bank statements for all accounts used in qualifying, government-issued photo ID, and your Social Security card. For VA loans, also a DD-214. For purchase loans, your fully executed purchase contract. Your loan officer sends a personalized needs list within 24 hours of your application, and most files require fewer documents than this complete list.

What Our Florida Clients Say on Google

Real reviews from real OnPoint Mortgage Pro clients, pulled live from our Google Business Profile.

      EXCELLENT  
   Based on 80 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   NANA AMMA SERWAA BRONI 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you like your current lender isn’t working hard for you, call Victor.I spent seven months shopping around and was nervous about making a move, but Victor’s transparency and expertise won me over. While other leaders tried to push me into paying expensive points,Victor showed me why keeping my money and not buying down the rate was the much smaller move, He took my payment form $3,302 down to $2,966 and handled all the complex FHA and Virginia State fees over $3,300 in lender credits to cover my closing costs.The level of service and honest advice here is night and day compared to the big banks. I finally feel like I have a mortgage pro I can trust.
  
 
      Posted on Google  
   
   ron caringal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Updated 060526: I can’t recommend Victor's team enough! They managed to lower my interest rate by a full 2% and consolidated my high interest debts into one manageable payment. This move alone is saving me $830 every single month. On top of that, they secured $5,000 in lender credits, which covered all my closing fees and even left an excess to apply toward my prepaid interest. If you want a mortgage professional who actually delivers on their promises, call Victor. Previous 12/2024: Victor was easy to deal with. He made the effort to exhaust all possible means for him to meet my target loan amount given the predicament.
  
 
      Posted on Google  
   
   Rubab Anees 
 
 
 
 Trustindex verifies that the original source of the review is Google. We did FHA streamline refinance with Victor and It was an awesome experience working with him.. Process was smooth and fast! Victor is knowledgeable and very professional. Our team to go for all future needs👍🏻 I can’t recommend Victor enough. He helped us navigate a refinance that lowered our interest rate from 7.125% to 5.875% in record time. Seeing our monthly payment drop by $528 is a huge relief for our family budget. Victor is professional, transparent, and clearly knows how to get the best results for his clients. We are so grateful for his help!
  
 
      Posted on Google  
   
   Jordan Hill 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience refinancing my home and highly recommend working with Victor. The entire process was smooth, efficient, and completed much faster than I expected. They were communicative, transparent, and made sure I understood each step along the way. I was able to secure a lower rate and reduce my monthly payment, which made a meaningful difference. What really stood out was the level of professionalism and how easy they made everything from start to finish. I also appreciate that they continue to monitor rates and stay in touch even after closing. If you’re thinking about refinancing, you’ll be in good hands here!
  
 
      Posted on Google  
   
   Joanna O 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had an excellent experience working with Victor Santos at OnPoint Mortgage in Irvine, California for our second mortgage loan. If you’re looking for someone who is knowledgeable, efficient, and highly responsive, Victor is the person to trust. From start to finish, the entire loan process was smooth and stress-free. Victor was always quick to respond, kept us updated every step of the way, and made sure we fully understood everything. His expertise in mortgage lending really shows, and it gave us a lot of confidence throughout the process. What really stood out was how he went above and beyond, he even communicated directly with our HOA to gather all the required documents, which saved us so much time and hassle. On top of that, Victor is friendly, professional, and easy to work with. We’re truly grateful for his help and would highly recommend Victor Santos and OnPoint Mortgage to anyone in Irvine or Orange County looking for a reliable and efficient mortgage lender, especially for second mortgage or home loan needs.
  
 
      Posted on Google  
   
   Ernest Butch Benares 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’m a returning customer with OnPoint Mortgage Pro, and once again they delivered an outstanding experience. Victor helped me in the past, and because that process was smooth and professional, I didn’t hesitate to work with him again. This loan came at the perfect time for my wife and me. With unexpected expenses, inflation, and credit card interest rates climbing like crazy, we needed a real solution. I’m genuinely happy with the rate Victor secured for us. It allows us to pay off all our outstanding credit cards and finally get ahead instead of falling behind. It truly feels like we’re getting our financial footing back. Victor handled everything with transparency, patience, and expertise. He made the entire process easy to understand and completely stress‑free. His professionalism and attention to detail are exactly why I trust him and his company with something this important. If you’re looking for a lender you can trust, someone who genuinely looks out for your best interest, I highly recommend Victor and the team at OnPoint Mortgage Pro.
  
 
      Posted on Google  
   
   Joyce Halim 
 
 
 
 Trustindex verifies that the original source of the review is Google. Victor is really a great guy. He helped me patiently step by step through the process of my refinance. Highly recommended. Thank you so much ☺️ Update: I'm so happy that Victor helped me again with my refinance. And this is my third times, from the original 8.125% down to 5.75% smoothly. Wohoo....couldn't be more happier than that 😊....He is truly the guy that I can trust, rely on and do the magic. Highly recommended. Thanks for the experienced.....and we will still work again in the future. 😊
  
 
      Posted on Google  
   
   eunice chun 
 
 
 
 Trustindex verifies that the original source of the review is Google. We refinanced twice with Victor. He was so professional and very helpful throughout our loan process. Highly recommended!
  
 
      Posted on Google  
   
   Rachel Turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Victor Santos was very professional, quick to respond, and easy to work with. The process was seamless and we would highly recommend Victor to work with for any financing or refinancing needs. This is the third time we have used Victor because of his kind, exceptional customer service, and the ease of communication.  Such an easy process!
  
 
      Posted on Google  
   
   Nick Tyndal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very friendly and quick on communication. Understood my needs and worked diligently until they were achieved. Would highly recommend and plan to use OnPoint again in the future.