Licensed Florida mortgage brokerage
Florida mortgage options for homebuyers, business owners and investors.
Four kinds of borrower, four different conversations. Start with the one that sounds like you, and we will be straight about which programs fit, what they cost, and which terms are the lender’s call rather than ours.
— view this listing on Guide to Florida (opens in a new tab)
— view this listing on Guide to Florida (opens in a new tab)
— view this listing on Guide to Florida (opens in a new tab)
— view this listing on Guide to Florida (opens in a new tab)
— view this listing on Guide to Florida (opens in a new tab)
Start here
Which describes you?
Each pathway covers the programs that tend to apply, the questions worth asking early, and the parts lenders treat differently.
- HomebuyersBuying a home in FloridaWhether it is your first home or your fifth, the useful work happens before you make an offer: understanding what you can borrow, what the loan will actually cost, and which program fits your situation.Explore loan options
- Real estate investorsFinancing Florida investment propertyInvestment property financing is underwritten differently from a primary residence. Some programs lean on the property's income rather than yours, but every one of them still underwrites the borrower, the property, and the reserves.Explore loan options
- Self-employed & business ownersMortgages for self-employed borrowersBeing self-employed does not push you into a special loan. Many business owners qualify for standard conventional financing. Alternative documentation exists for the cases where tax returns understate what a business actually produces.Explore loan options
- Homeowners 62+Reverse mortgages for Florida homeownersA reverse mortgage converts part of your home equity into money you can use, without a monthly principal and interest payment. You keep the title. What you do not shed are the obligations — taxes, insurance, maintenance and living there — and that is where the real decisions are.Explore loan options
Fit more than one of these?
Plenty of people do — a business owner buying a first home, or a homeowner buying a rental. Start anywhere and we will point you at the right place.
How this works
A brokerage, not a single lender
We place loans with multiple lenders. That shapes how the first conversation goes.
Step One
Start with your situation
A first conversation is about what you are trying to do and what is in the way: the income that is hard to document, the property that needs a particular program, the timeline you are working to.
Step Two
Compare the options that actually fit
As a brokerage we place loans with multiple lenders, so the useful question is not which product we sell but which lender's guidelines your file fits best, and what that costs.
Step Three
Know the terms before you commit
You should understand what is fixed, what the lender decides, and what could still change before you sign anything. Where a figure depends on your file, we will say so rather than guess.
Loan options
Programs people ask about most
Each page explains what the program is, who it tends to suit, and — explicitly — which terms the lender sets rather than us.
Conventional loans
A conventional loan is a mortgage that is not insured or guaranteed by a government agency. Most conventional lending follows Fannie Mae or Freddie Mac guidelines, which is why the requirements are relatively consistent from lender to lender.
Read moreFHA loans
An FHA loan is a mortgage insured by the Federal Housing Administration, part of HUD. The insurance is what allows lenders to accept a lower down payment and a wider range of credit profiles than conventional financing typically does.
Read moreVA loans
A VA loan is made by a private lender and guaranteed in part by the U.S. Department of Veterans Affairs. For eligible service members, veterans and certain surviving spouses it is often the strongest option available, with no down payment required on many purchases and no monthly mortgage insurance.
Read moreDSCR loans
A DSCR loan qualifies an investment property on the property's debt service coverage rather than on your personal income documents. It is a different way of measuring capacity to repay — not an absence of underwriting.
Read moreBank statement loans
A bank statement loan derives qualifying income from deposits into your business or personal accounts over a defined period, instead of from tax returns. It suits business owners whose returns understate the cash the business produces.
Read moreJumbo loans
A jumbo loan is one that exceeds the conforming loan limit applicable to the property's county and unit count. Because it cannot be sold to Fannie Mae or Freddie Mac under those limits, the lender holds more risk and sets its own requirements.
Read more
Where rates are
The market average, dated and sourced
Useful as a benchmark, and not a quote. What you are offered depends on your file — which is a conversation, not a number on a homepage.
National average survey rates
Last updated
- 30-year fixed
- 7.18%
- Week of
- 15-year fixed
- 6.57%
- Week of
Source: Primary Mortgage Market Survey, Freddie Mac. View the series (opens in a new tab)
This is not a quote
These are national averages from a weekly survey. They are not an offer to lend, not a rate available to any particular borrower, and not this company’s pricing. Your own rate depends on your credit profile, the loan amount, the property, the occupancy, the program and the day you lock. The APR on any actual loan will differ from the interest rate shown here.
How we talk about loans
What you will not find on this site
Mortgage marketing has a credibility problem, and most of it comes from pages that promise things the lender has not agreed to.
- No rates or payment figures without your file. Pricing depends on details a web page does not know. Our calculators show their formulas and assumptions so you can see exactly what they do and do not account for.
- No approval language. Nothing here is a quote, a pre-approval or a commitment to lend. Every program page names the terms the lender decides.
- No invented eligibility. Where a program is governed by an agency — FHA, VA, USDA — we link the agency rather than restating rules that change.
- No sensitive documents through a web form. Our contact forms ask for a name, a way to reach you and what you are working on. Documents and identifiers go through a secure portal, never an inquiry form.
Homeowners 62+
Reverse mortgages, explained without the sales pitch
You keep the title — it is not a sale to the bank. What you keep as well are the obligations: taxes, insurance, dues, upkeep, and living there. That is the part worth understanding first, and the part most advertising skips.
Calculators
Run the numbers, with the assumptions showing
Both calculators state their formula, list what they exclude, and are estimates only — never an approval or an offer.
Mortgage payment calculator
Separates principal and interest from taxes, insurance, association dues and mortgage insurance, because the second group is what surprises people in Florida.
Open the calculatorDSCR calculator
Shows the ratio both ways — principal and interest only, and with taxes, insurance and dues — because lenders differ on which they use.
Open the calculator
Common questions
- What does a mortgage broker do that a bank does not?
- A bank offers its own loan programs. A brokerage works with multiple lenders and places your file with the one whose guidelines and pricing fit it best. That matters most when something about your file is not standard — self-employment income, an investment property, or a property type a particular lender will not touch.
- Can you tell me my rate?
- Not from a web page, and you should be sceptical of anyone who does. Pricing depends on the program, your credit profile, the loan amount, the property, the occupancy, the down payment and the day you lock. A quote means something once it is based on your actual file.
- Do I need to be ready to buy before getting in touch?
- No. The most useful conversations often happen months ahead, when there is still time to change something — how income is documented, which assistance program you might qualify for, or what to fix on your credit report.
- Which parts of Florida do you serve?
- Service areas and licensing are listed on the areas we serve pages. We will not imply coverage in a location we are not licensed for.
Reviews
What borrowers say about working with us
Published on Google by the people who wrote them, reproduced in full and linked to their authors.
I can not say enough good things about Adam Klayman and Florida Mortgage Brokers. From the very beginning, Adam was professional, responsive, knowledgeable, and genuinely committed to helping me navigate the home-buying process. He took the time to answer my questions, explain every step clearly, and always made me feel like a priority. Buying a home can be stressful, but Adam's dedication, patience, and expertise made the experience much smoother. He worked hard to find the best options available and was always available when I needed guidance. Thanks to Adam and his team, I was able to achieve my dream of homeownership. I highly recommend Adam Klayman and Florida Mortgage Brokers to anyone looking for an honest, dependable, and hardworking mortgage professional. Thank you for going above and beyond—I truly appreciate everything you did for me and my family!
Gabriel Guzman
Local Guide · 61 reviews · 81 photos · 4 months ago
Verify on Google (opens in a new tab)Our house closing was a very challenging process with lots of delays and changing dates unrelated to a typical mortgage closing process. Adam Klayman at Florida Mortgage was tenacious and host towards the process us find the best programs and rate to meet our budget and needs. No closing is the same. For us, we experienced lots of delays, frustrations and disappointments outside our control. However, the professionalism, patience, honesty and integrity of the process by both Adam and Devon our loan Processor, were game changers! They made a challenging process bearable and didn’t give up until we got our home! We have now been in our, New To Us, home since February 2026 and it perfect for our family! We are looking forward to making many more memories.
Dina Duchene
1 review · a week ago
Verify on Google (opens in a new tab)***Outstanding*** Adam made our home purchase process so easy, stress free and his communication was stellar. We were looking to do an investment loan and Adam was so knowledgeable and professional about all aspects of our loan. I felt like I was in the best of hands, as he was very honest, reliable and certainly worked to make sure we had the best financing terms possible. Everything felt so smooth and I really do have him and Devon to thank for making our home purchase possible. I would highly recommend Adam to absolutely anyone and will be reaching out to only him in the future! Save yourself the time and stress of big banks - Adam and Devon have you covered! Thank you guys so much!
Kaitlin Radler
9 reviews · a year ago
Verify on Google (opens in a new tab)
Read all 17 reviews or see them on Google (opens in a new tab).
Talk it through before you start shopping
Bring your situation, not your paperwork. A first conversation is about which programs actually fit and what the numbers look like — no documents, no credit pull, no commitment.