Florida home loans · Investor & commercial financing in other states
Condo and first-time buyer loans across Florida, explained step by step.
One point of contact who answers, backed by my team.
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Reviews
The word that comes up most is patient.
“He helped me through the entire process as a first time home buyer and was patient & attentive.”Latoya J. · Google
“Kareme did beyond my expectation!!!He kept us well informed through the whole entire step.”B. H. · Google · a year ago
“… he's very very very patient with you and always make sure that you understand every details.”Roseline A. · Google
“Kareme Shorter is very patient kind, trustworthy.”Ena M. · Google
“Kareme got me closing on my equity line of credit in such a short time”Maxine R. · Google
Review dates as shown on Google, October 16, 2026, where recorded.
Payment calculator
Florida payments often include more than principal and interest. Add taxes, homeowners or HO-6 insurance and HOA dues to see the full picture. Gray numbers are only examples; type in your own.
Estimated monthly payment
Enter a price, down payment and the interest rate you were quoted.
Estimates only, not a loan offer. This isn't a rate quote or a commitment to lend. Your actual rate, payment, taxes, insurance and mortgage insurance depend on your credit, the loan program, the property and current pricing. Property taxes in Florida are usually recalculated after a sale, and homestead can change them.
Get a custom quoteWant the full picture, including what price fits your budget and your debt-to-income ratios? Open the affordability tool →
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Florida Condo Hub
Year built, FEMA flood zone, HUD FHA status and milestone-inspection timing for 23 Broward and Palm Beach condo communities, from public records.
Estimate a condo payment with HOA, HO-6 and flood →How condo loans work: warrantable vs non-warrantable →See if you qualify →
Public-records data as of October 17, 2026. Not an inspection or a loan approval.
First-time buyers
Florida Housing programs for every county, plus county and city assistance in Broward, Palm Beach and Miami-Dade: who qualifies, maximums and current status, from official program pages.
Compare loan programs in plain English →See if you qualify →
Availability depends on the lender and program funding.
How it works
You decide at each step whether to move forward.
A short call about your goals, timeline and budget, plus what documents to gather.
We compare loan programs side by side so you understand the trade-offs before you apply.
You apply through a secure portal, and my team and I keep you and your agent updated through closing.
About
I'm a mortgage loan originator (NMLS #1722684) who helps families across Florida buy their first home, buy a condo, tap into their home equity, or grow a rental portfolio. Outside Florida, I can help investors and business owners with commercial and non-QM business-purpose financing where permitted. I work closely with realtor partners so everyone stays on the same page and your closing stays on track.
Clients often tell me I'm patient. That's on purpose. I walk you through every step, from our first conversation to closing day, so nothing about your loan comes as a surprise.
I earned my degree in Business and Managerial Economics from Florida Atlantic University's College of Business, and I'm active in the South Florida business community.
Memberships & education
Book a call, start your application, or just call or text. One point of contact who answers, backed by my team.
Get a custom quote
7 quick multiple-choice questions, then where to reach you. There's no obligation, and it won't affect your credit.
Ready for the full application? Start full application