Florida mortgage help, city by city.

Choice Home Mortgage helps Florida homebuyers through licensed partner brokers. We’re licensed in California (NMLS #2629064); for Florida we coordinate financing so you still get a broker shopping many lenders, not one bank’s shelf. We serve this market — we do not maintain a Florida office.

Across Florida, the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline — so most Florida purchases stay in conventional and FHA territory. Limits per FHFA 2026; verify your scenario with us.

Our Florida coverage spans 73 cities, from larger metros like Jacksonville, Miami, Tampa, Orlando to smaller communities where local loan knowledge is harder to find. Many are entry and first-time-buyer markets where FHA, down-payment-assistance, and state housing-finance programs do the heavy lifting; others are higher-cost markets where high-balance and jumbo financing is the norm. Each city page below carries that city’s own county loan limit, real neighborhoods, local landmark, and the loan types that actually fit its price points — not a templated paragraph with the name swapped.

However you’re coming to the Florida market — a first-time buyer weighing FHA against conventional, a move-up buyer in a higher-cost county sizing up high-balance or jumbo financing, or a homeowner looking at a refinance — the starting point is the same: figure out your real numbers, then match them to the right program. Because we’re a broker, we can shop that scenario across many partner lenders instead of forcing it into one bank’s box. Pick your Florida city below to see its specific loan limit and the programs that fit, or call (949) 522-7310 and we’ll point you to the right starting line.

Licensed in California, NMLS #2629064; Florida service via licensed partner brokers. Equal Housing Opportunity.