Securing a Mortgage for Your Florida

Home with Central Mortgage Funding Are you dreaming of sunnier winters, swapping pine trees for palm trees, or longing for year-round beach access? Many who visit Florida as tourists end up wanting to stay permanently, and if you’re one of them, Central Mortgage Funding is here to help make your move to this tropical paradise a reality. Start your mortgage application now, and soon you’ll have a pre-approval letter ready when you’re touring homes!

Already own a home in Florida? We’re also well-equipped to assist with your mortgage refinancing needs.

Florida Mortgage Rates and Trends

Since 2020, the impact of COVID-19 has led to a significant drop in national mortgage rates, allowing many Americans, even those previously priced out, to access low borrowing costs.

While Florida mortgage rates have remained low, gradual increases are occurring. Despite this, rates are still near historic lows, making it an ideal time for a free mortgage review with Central Mortgage Funding. A lower rate could lead to significant monthly savings, especially with a Florida mortgage refinance.

Factors like debt-to-income ratio and credit scores greatly influence mortgage rates. Choosing the right lender for your loan needs is crucial. At Central Mortgage Funding, we value our customers beyond just their loans. We take the time to understand your unique situation.

We’ll guide you through our wide range of loan programs, including FHA, VA, Conventional, USDA, and more, always prioritizing your needs to find the best fit for your budget while securing the lowest possible rate.

Down Payment Assistance

Florida homebuyers may be eligible for down payment assistance programs and grants. If you’re looking to purchase a home in Florida, let us help you explore your options and potential grants*.

Important programs to ask about include:

  • Closing cost assistance
  • Dream Makers Grant
  • Forgivable and non-forgivable second mortgages
  • First-time home buyer incentives
  • Tax credits

*Note: Down payment assistance programs are city and/or state initiatives, not funded by Central Mortgage Funding. The assistance amount can vary based on factors such as the purchase city, credit score, and other financial requirements. A homebuyer education course may be required before applying.

Mortgage Refinancing in Florida

Is your monthly mortgage payment or interest rate higher than you’d like? Are you struggling with high-interest debt? Or perhaps you’re aiming to be mortgage-free sooner?

If you’re facing any of these situations, it’s the perfect time for a free mortgage review with our knowledgeable mortgage consultants. Don’t miss the opportunity to learn about the benefits of Florida mortgage refinancing before rates rise, potentially saving up to $1,000 a month. With Central Mortgage Funding, you have the flexibility to choose a loan term that suits your needs, starting at ten years.

A cash-out refinance in Florida offers numerous benefits, such as reducing your monthly mortgage payments, paying off high-interest debts, or financing home improvement projects by tapping into the equity you’ve built in your home.

Why Central Mortgage Funding?

As a national mortgage lender dedicated to affordable homeownership, Central Mortgage Funding puts customers first. We offer competitive mortgage rates without any upfront fees and our experienced mortgage consultants are committed to customizing the right loan program for your financial goals.

We’ve been a family-owned company for over 20 years, and we treat our customers as part of our extended family. Beyond customizing your loan experience, we’re always here to answer any mortgage-related questions after closing.

Most of our lending process can be completed online, ensuring a quick and stress-free experience for you. We’re excited to start this lifelong relationship!

Building Your Home Loan Together

Experience how simple the mortgage refinancing or new home purchase process can be with Central Mortgage Funding. Call (833) 302-1032 to connect with a Florida mortgage consultant. We’re dedicated to customizing any loan in the industry to your needs, ensuring the best service, lowest rates, and quickest closings.

Central Mortgage Funding is an Equal Housing Lender; Lic# MLD1898


Ready to talk?

Are you unsure on the path you should take to home ownership? Our Loan Specialists are here to help you through the entire process. They will find you the best term, and rate to fit your budget!