Learning center · for buyers and agents
Learn: Florida mortgages in plain English
Short, sourced explainers you can come back to, and share with clients. Each page has a “For agents” box with a simple way to explain it.
Down payment assistance finder
Statewide programs for all 67 Florida counties, plus county and city programs in Broward, Palm Beach and Miami-Dade, with who qualifies, how much and whether each is open.
Loan programs
Conventional, FHA, VA, USDA, jumbo, condo, DSCR, bank statement, HELOC, ITIN and refinance, compared side by side.
Debt-to-income (DTI) calculator
What counts, what doesn’t, and how paying off a debt changes your ratios. Runs in your browser.
The loan process, step by step
From pre-approval to closing, with what buyers provide and what agents should do at each step, plus a document checklist.
Mortgage glossary
79 terms in plain English, from APR to warrantable.
More tools
Condo Clearance Check
5 questions to ask before you write an offer on a Florida condo.
Can I afford it?
Estimate a full payment with taxes, insurance and HOA dues.
Guides
What happens after your offer, why Florida condos take extra work, and more.
Availability depends on the lender and program funding; ask me which ones I can use for your loan.
Want to know what fits you?
Tell me a little about your situation and I’ll walk you through the options.