Florida homebuyers in Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale have access to every loan program available, including state down payment assistance, jumbo, DSCR, and VA. Clear2 is licensed in Florida and closes loans here every week.
Florida is one of the nation's fastest-growing states. No state income tax, year-round climate, and a growing remote-work culture are drawing buyers from California, New York, Illinois, and New Jersey. As an independent mortgage broker with wholesale access, Clear2 shops rates across multiple lenders to give Florida buyers options a single bank can't offer.
We're not tied to one lender's product line. We search Florida's entire wholesale market to find the right fit: lower rates, better terms, more programs.
Florida's competitive markets move fast. Our 30-day close guarantee keeps your offer strong without sacrificing the loan terms you deserve.
You work with the same loan officer from application to closing. No handoffs, no hold music, no confusion. Remote closings available statewide.
Whether you're relocating from out of state, buying your first Florida home, or investing in rental property, Clear2 has deep familiarity with the markets and programs that matter most across the state.
From first-time buyer FHA loans to DSCR investment property financing, we offer every loan program available to Florida borrowers through our wholesale lender network.
Low down payment options starting at 3.5% for Florida homebuyers. FHA limits vary by county: $667,000 in Miami-Dade and Broward, $541,287 in Orange and Hillsborough, $580,750 in Duval.
$0 down financing for Florida veterans and active-duty service members. No PMI, competitive rates through our VA-approved lender network. Strong option across all five Florida metros we serve.
Fannie Mae and Freddie Mac programs for Florida buyers with strong credit. Down payments as low as 3% with no upfront mortgage insurance for 20%+ down. Conforming limit $832,750 statewide.
Qualify based on property rental income, not your personal tax returns. Florida's short-term rental and investor market makes DSCR one of our most-used programs statewide.
Use 12 or 24 months of business or personal bank statements to qualify. Designed for Florida entrepreneurs, freelancers, and self-employed borrowers who can't show traditional W-2 income.
Financing above the $832,750 conforming limit for South Florida's higher-priced markets, including Miami Beach, Coral Gables, and Boca Raton luxury properties.
Borrow against your Florida home's equity without touching your first mortgage. Draw what you need for renovations, debt payoff, or big expenses, and pay interest only on what you use.
Florida Assist and other Florida Housing programs can help with your down payment. We check what you qualify for during pre-approval.
Qualify with bank statements, 1099s, or a P&L. Built for Florida business owners, freelancers, and gig workers.
Turn Florida home equity into cash for hurricane hardening, renovations, or paying off high-interest debt.
Florida Housing Finance Corporation (FHFC) offers several programs that can reduce what you need at closing. Clear2 Mortgage is approved to offer all three.
Florida Housing also runs programs like Hometown Heroes and the Florida HLP that open in funding rounds. Ask us which ones are available when you apply.
Clear2 Mortgage | Licensed in Florida
Based in Troy, MI and licensed nationwide, Clear2 Mortgage serves Florida homebuyers remotely. Every Florida buyer gets a dedicated loan officer from pre-approval through closing.
As an independent broker, every Clear2 loan officer has access to 50+ wholesale lenders, so you're never limited to one bank's product line or rate sheet.
Dominic Abdulahad brings years of mortgage experience to every transaction, with a focus on helping buyers understand their options and move toward homeownership with confidence. His straightforward approach and attention to detail help clients close efficiently and with clarity.
Five-star reviews from Clear2 clients on Google.
"Donavin was straightforward and a breeze to work with. Communication was quick and easy. The whole process was seamless and he was available for guidance or questions. I would not hesitate to use Clear2 Mortgage in the future."
"Alex was absolutely amazing from the beginning. He was patient and thorough with all of our questions. He even followed up after the process was finalized to ensure everything was still good. I would recommend him to everyone!"
"The process was seamless and every question I had as a first-time home buyer was answered. My loan officer gave me his professional opinion based on my specific circumstances to personalize my loan."
Does Clear2 lend in Florida?
Yes. Clear2 Mortgage (NMLS #1911663) is licensed to originate mortgage loans in Florida. Our loan officers work remotely with Florida buyers statewide, from pre-approval through closing. Office address: 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Call us at (248) 970-0040.
What is the Florida Hometown Heroes program?
Hometown Heroes is a Florida Housing program that helps workers in healthcare, education, public safety, and the military with their down payment. It opens in funding rounds, so ask us whether a round is open when you apply.
How do Florida property taxes and insurance costs affect my mortgage?
Florida homeowners insurance averages $3,600 to $6,000 per year, roughly three times the national average in coastal counties. Flood insurance is required in FEMA Special Flood Hazard Areas (averaging $938/year, up to $20,000+ in VE zones). Windstorm and hurricane coverage is often a separate policy ($2,000 to $8,000/year). All of these factor into your debt-to-income calculation. We walk every Florida buyer through the full payment picture before pre-approval.
What are the FHA loan limits in Florida?
FHA limits vary by county. Miami-Dade and Broward are high-cost counties at $667,000. Orange (Orlando) and Hillsborough (Tampa) are at $541,287. Duval (Jacksonville) sits at $580,750. The statewide conventional conforming limit is $832,750. We can confirm the exact limit for your target county before you start shopping.
Can I buy in Florida with no down payment?
Veterans and active-duty service members can use a VA loan for $0 down with no PMI. Non-veterans may qualify for the FL Assist second mortgage (up to $10,000) or other Florida Housing programs when funding is open to cover down payment and closing costs. FHA loans require 3.5% down, but assistance programs can cover that entirely for qualifying buyers.
What is the homestead exemption and how does it affect my taxes?
Florida's Homestead Exemption reduces your home's assessed value by up to $50,000 for property tax purposes on a primary residence. The Save Our Homes cap then limits future assessment increases to 3% per year. Keep in mind that buyers pay taxes at the full assessed value in the first year before the exemption and cap apply, so first-year taxes are often higher than what the prior owner paid.
Can I get a HELOC in Florida?
Yes. Clear2 offers HELOCs to Florida homeowners on primary residences and investment properties. You can draw on the line as needed during a 10-year draw period and make interest-only payments. It's a strong option for homeowners looking to fund renovations, consolidate high-interest debt, or cover major expenses without refinancing. See our full HELOC program details.
No obligation, no hard credit pull. Just a clear picture of what you qualify for from a team that knows Florida's market.
Clear2 Mortgage, LLC. NMLS #1911663. Licensed Mortgage Broker. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms subject to change without notice.
Clear2 Mortgage, NMLS #1911663. Licensed mortgage broker. Not a lender. Loans arranged through third-party lenders. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Phone: (248) 970-0040. Equal Housing Opportunity. This is not a commitment to lend. Rates and programs subject to change without notice. Not all borrowers will qualify.
