Explore mortgage options for buying or refinancing in Florida, with clear guidance to help you compare the path that fits your plans.
A first home, a move to a new neighborhood, or a change to an existing mortgage can call for different financing. These are some of the programs to discuss with a loan professional.
A non-government-insured option with a range of terms and down-payment possibilities, subject to program guidelines and borrower qualifications.
Learn about conventional loansFHA-insured financing may offer flexible qualification features for eligible borrowers. Requirements, costs, and property guidelines apply.
Learn about FHA loansEligible veterans, service members, and other qualifying borrowers may explore VA-backed home financing, subject to VA and lender requirements.
Learn about VA loansFor a home financing need that exceeds conforming loan limits, jumbo options may be worth discussing. Eligibility and terms depend on the loan and borrower profile.
Learn about jumbo loansReview whether replacing your current mortgage could align with your goals. Consider the full costs, new terms, and how long you expect to keep the home.
Learn about refinancingA loan professional can help you compare program features against your plans, budget, property, and eligibility.
Talk with our team
Florida home financing starts with your situation—not a one-size-fits-all answer. We can help you understand how loan type, down payment, property, and qualification requirements may shape your options.
Program availability, eligibility, terms, and costs vary. Contact us for details about the options available for your circumstances.
Living in the Virgin Islands often presents unique challenges when it comes to mortgage options, but our experience with First Liberty Mortgage Co. was nothing short of outstanding. We had the pleasure of working with Evans, who assisted my husband and me in refinancing our mortgage.<br><br>From the very beginning, Evans demonstrated exceptional professionalism and expertise. He took the time to understand our specific needs and objectives, guiding us through the refinancing process with clarity and patience.<br><br>Evans was always available to address our questions and concerns, providing timely updates and ensuring we felt comfortable every step of the way.<br><br>Overall, we highly recommend First Liberty Mortgage Co. Their dedication to their clients and ability to provide tailored solutions truly sets them apart. Thank you for making this process seamless and stress-free for us!
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Evan at First Liberty Mortgage is simply the best. My husband and I are both veterans, and Evan didn't just process our VA loan, he genuinely understood the benefit and made sure we got the most out of it. His knowledge of VA financing made a process that could have been overwhelming feel completely manageable.<br><br>What really blew us away was the speed. We're in the U.S. Virgin Islands, where real estate and lending transactions can often take longer due to our location, and Evan still closed our loan remarkably fast. He was responsive, communicative, and clearly on top of every detail from start to finish.<br><br>If you're a veteran (or anyone!) looking for a mortgage professional who combines real expertise with genuine care and efficiency, Evan is the one to call. We couldn't be more grateful for how smooth he made this experience.
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Having gone through several loans and refinances over the years, I can say in full confidence that Evan is the absolute best loan officer that I've ever worked with. He went out of his way to find me the best possible rate, while others (Northpoint) made it seem like they were pulling teeth to try and get me a rate a full point higher than what Evan offered. He takes pride in saving people money, and is very knowledgeable in VA loans. He has connections everywhere and is able to get things done lightning fast. Trust me, do not waste your time with anyone else on island, you'll just end up with a migraine dealing with these other jokers.
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If there’s one thing I’ve come to know about the O’Bymachow family it’s that they’re going to give you their best, always. Extremely hard working and quick to answer the call to help. Definitely recommend giving them a call for any needs you may have.
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Share what you’re hoping to do. Our team can help you explore available programs and the steps that may fit your plans.
