Best Mortgage Lenders in FLORIDA

Florida Home Loans

Lowest Mortgage Rates and Specialized Home Loan Options:

If you are looking to buy a home in Florida, American Home Lending USA, LLC can help you find the right mortgage for your budget and needs. We will work with you to understand your financial situation and find a loan that you can afford. We will also help you through the entire home buying process, from pre-qualification to closing.

If you are a homeowner in Florida and you are looking to refinance your mortgage or buy a home, American Home Lending USA, LLC can help you save money on your monthly payments. We will compare rates from multiple lenders to find the best deal for you. We will also help you through the entire refinancing process, from application to closing.

Our Products

  • $0 Down FHA Loan:
    • Benefit from a government-insured loan with a low-down payment requirement.
    • Ideal for first-time homebuyers and those with limited funds for a down payment.
  • 1% Down Conventional Loan:
    • Enjoy a low-down payment option for conventional financing.
    • Suitable for borrowers with good credit and stable income.
  • No Income Community Mortgage:
    • Designed for self-employed individuals and those with non-traditional income sources.
    • Get flexible mortgage options without the need to verify income.
  • New Construction and Land Financing (One-Time-Close):
    • Financing solutions for new home construction or purchasing land.
    • Simplify the process with a one-time-close loan.
  • 3-2-1 and 2-1 and 1-0 Mortgage Rate Buydowns:
    • Customize your mortgage rate and payment schedule for the initial years of your loan term.
    • Achieve lower interest rates and save on monthly mortgage payments.
  • Order Your Own Credit Report:
    • Take control of your mortgage application by ordering your own credit report.
    • Understand your creditworthiness and address any issues before applying for a loan.
  • First-Time Homebuyer Programs:
    • Special programs and incentives designed to help first-time buyers.
    • Access low down payment options and reduced interest rates.
  • Down Payment Assistance (DPA):
    • Florida Hometown Hero Program and receive up to $35,000 in down payment assistance for all first time homebuyers starting July 1, 2023. 
    • Our exclusive no income-limit down payment assistance is also available for Florida homebuyers
    • Access additional funds to make homeownership more affordable.
  • Mortgage Rate Lock and Shop Up to 1 Year:
    • Secure your desired interest rate while you shop for a home.
    • Avoid potential rate increases and enjoy peace of mind.
  • VA Home Loans:
    • Exclusive mortgage options for eligible veterans, active-duty service members, and surviving spouses.
    • Benefit from competitive rates, no down payment, and flexible qualification criteria.
  • Conventional, $0 Down USDA Loan, HARP, Bank Statement Mortgage:
    • More mortgage solutions tailored to your unique needs.
  • Stand-Alone Home Equity Loans (HELOC) or Cash Out Refinance:
    • Leverage your home's equity for various financial needs.
    • Access funds for home improvements, debt consolidation, and more without resetting your existing low mortgage rate.
  • Fix and Flip Builder Financing, Commercial/Investor Financing:
    • Mortgage options for real estate investors and builders.
    • Finance property flips, commercial projects, and investment properties.
  • Reverse Mortgages (HECM), Non-QM Loans, VA IRRRL and FHA No Appraisal Refinance:
    • Specialized mortgage products for seniors, unconventional borrowers, and streamlined refinancing.
  • VA IRRRL Streamline Refinance, FHA 203K Purchase/Refinance (Home Improvement):
    • Simplify your refinance process with streamlined programs.
    • Access funds for home renovations and improvements.
  • FHA 203(h) Disaster Relief Loan:
    • Assisting homeowners affected by natural disasters.
    • Rebuild and recover with a specialized mortgage program.
  • Jumbo Loans, Adjustable-Rate Mortgage (ARM), $100 Down Payment FHA Program:
    • Additional mortgage options to suit your unique financial requirements.

How to Get a Mortgage in Florida

To get a mortgage in Florida, you will need to provide the following information:

We will use this information to determine your eligibility for a mortgage.


Benefits of Buying a Home in Florida

Thinking about owning a home in Florida? Look no further! The Sunshine State offers a plethora of benefits for homeowners, from its warm and inviting climate to its breathtaking landscapes and vibrant culture. At American Home Lending USA, LLC, we're here to make your Florida homeownership dreams a reality. With our competitive mortgage solutions and expert guidance, you can confidently embark on your journey to own a home in this remarkable state. Let's explore the advantages of owning a home in Florida.

  • Warm Climate and Outdoor Lifestyle: Owning a home in Florida means embracing a year-round sun-kissed lifestyle. With its abundant sunshine and mild winters, you can revel in outdoor activities such as lounging on stunning beaches, hiking through lush nature trails, or kayaking in crystal-clear springs. Florida's natural beauty, including the Everglades, the pristine beaches of the Gulf Coast, and the enchanting Florida Keys, is a constant reminder of the state's captivating charm.
  • Natural Beauty and Diverse Landscapes: Florida is a haven for adventure seekers. Dive into the vibrant marine life by snorkeling or scuba diving in the Florida Keys. Embark on an airboat ride through the Everglades, where you'll encounter alligators and majestic birds. For thrill-seekers, theme parks like Walt Disney World, Universal Orlando Resort, and Busch Gardens offer adrenaline-pumping rides and magical experiences for the whole family.
  • Thriving Economy and Job Opportunities: Florida's robust economy and thriving job market make it an ideal place to establish roots. With a diverse range of industries, including tourism, aerospace, healthcare, and technology, the state offers abundant career opportunities. From the bustling cities of Miami and Orlando to the emerging tech hubs in Tampa and Jacksonville, Florida is a magnet for professionals seeking growth and success.
  • Tax Advantages: Owning a home in Florida brings financial benefits, thanks to its favorable tax environment. Florida has no state income tax, estate tax, or inheritance tax. Additionally, the property tax rates in Florida are generally lower compared to many other states, providing homeowners with potential long-term savings and peace of mind.   As you enjoy the sunshine in your backyard oasis, basking in the tax advantages of Florida, you can relax knowing that you're making the most of your hard-earned money.
  • Cultural Diversity and Entertainment Options: Florida is a melting pot of diverse cultures, offering a rich tapestry of arts, cuisine, and entertainment. Experience vibrant cities like Miami with its Latin flair, explore the theme parks and entertainment complexes in Orlando, or immerse yourself in the historical charm of St. Augustine. Florida's cultural diversity ensures there's always something exciting to discover. Explore the Art Deco architecture in Miami's South Beach, indulge in mouthwatering Cuban delicacies in Little Havana, or experience the vibrant street art and music festivals of St. Petersburg.
  • Excellent Education and Healthcare Facilities: Florida is home to prestigious educational institutions and world-class healthcare facilities. The state boasts top-ranked universities such as the University of Florida, Florida State University, and the University of Miami, as recognized in the US News rankings. Additionally, the renowned Mayo Clinic has a presence in Florida, offering cutting-edge medical care and research. Florida's commitment to education and healthcare ensures that residents have access to excellent academic opportunities and quality healthcare.  As you cheer on the Florida Gators in a packed stadium, surrounded by passionate fans, you can feel the pride of being part of a college sports program that ignites the spirit of competition and camaraderie.
  • Investment Potential: Buying a home in Florida can be a sound investment opportunity. The state's robust real estate market and steady appreciation rates make it an attractive option for both primary residences and investment properties. Whether you're looking for a vacation home or a long-term investment, Florida offers excellent potential for growth. 

Trust American Home Lending USA, LLC for Your Florida Home Loan:

As you embark on your homebuying journey in Florida, trust American Home Lending USA, LLC to be your reliable mortgage partner. We offer a variety of mortgage solutions and competitive rates tailored to the unique needs of Florida homebuyers. Our experienced team is committed to providing personalized guidance and exceptional customer service every step of the way.

Contact us today to explore your home loan options and turn your Florida homeownership dreams into reality!

Mortgage lender serving all locations in Florida

American Home Lending USA, LLC is proud to serve homebuyers and homeowners across the entire state of Florida, including:

  • Miami
  • Orlando
  • Tampa
  • Jacksonville
  • St. Petersburg
  • Fort Lauderdale
  • Tallahassee
  • Sarasota
  • Naples
  • Fort Myers
  • Deerfield Beach
  • Destin
  • Pensacola
  • Boca Raton
  • West Palm Beach
  • Clearwater
  • Key West
  • Gainesville

Make Your Florida Homeownership Dream a Reality with American Home Lending USA, LLC:

When it comes to securing a mortgage for your Florida dream home, trust American Home Lending USA, LLC. We offer a range of competitive mortgage solutions tailored to meet the unique needs of Florida homebuyers. Our experienced team is dedicated to providing personalized guidance and exceptional customer service throughout the loan process.

Contact us today and take the first step toward owning a home in Florida. Let's make your homeownership dreams come true!

Contact Us

Experience the difference of American Home Lending USA, LLC. Contact our knowledgeable team today to explore our mortgage solutions, secure the lowest rates, and receive personalized assistance throughout your home financing journey. Trust us to be your reliable partner in achieving your homeownership or refinancing goals in Florida.

Welcome to American Home Lending USA, LLC, the trusted mortgage lender serving Florida residents. Whether you're buying a home or planning to refinance in Florida, we are here to assist you every step of the way. With specialized home loan options, the lowest mortgage rates, and a commitment to personalized service, we strive to make your home financing experience smooth and stress-free.

Clearwater, Florida Branch Office

Providing home loans to the Tampa, Florida area and entire state of Florida since 2013.  Purchase or refinance, we are offer a variety of home loan products at low wholesale rates for every imaginable type of scenario for all credit grades.

Email Address
Main Phone (727) 400-3293
Fax Number (727) 400-3293
Address 1474 El Tair Tr
Clearwater, FL, 33765
Clearwater, FL American Home Lending USA Branch

Our team at American Home Lending USA, LLC is fast, friendly, experienced and here to help you every step of the process!