Grown from a small Florida-based company to a Top 5 U.S. Wholesale Lender, AD Mortgage offers a wide range of loan programs even for the most difficult scenarios
Competitive market requires flexible mortgage solutions
Overall, Florida’s mortgage opportunities are diverse, so loan originators need flexible programs in their portfolios. AD Mortgage understands this challenge and offers a wide range of mortgage solutions, featuring both traditional and Non-QM loans.
AD Mortgage has a long history in the state. Our first Florida office opened about 20 years ago, and now our headquarters is located in Fort Lauderdale. We have deep expertise and strong connections in the Florida market – meet our team of professionals to explore lending solutions that move your business forward.
Florida loan programs by AD Mortgage are powerful tools that offer flexible terms and quick timelines for partners, helping them serve their clients more efficiently
An affordable financing option with standard requirements
Close DSCR loans with fast turn times
A perfect fit for self-employed borrowers
Get 50 bps with Rate Buydowns. Make your purchase offers even more competitive. Now with enhanced pricing!
Choose from 1-0, 2-1, and 3-2-1 options to help borrowers lower their initial monthly payments.
For primary and 2nd home purchases on 30-Year Fixed Super Prime, Prime, AD Power Jumbo & Fixed Conventional. 
AD Mortgage is a licensed lender in Florida and coast to coast, helping mortgage originators serve clients efficiently in addressing industry challenges affecting Florida.
Florida’s market features several state-specific rules that affect affordability and overall ownership costs:
Florida does not have a state property tax – instead they are set at the county and city levels.
For homestead properties, the Save Our Homes (SOH) law applies. It limits the annual increase of property values to 3% or the inflation rate, whichever is lower. However, after sale of the home, the value is reassessed based on the current market, leading to higher taxes for buyers.
Eligible homeowners can receive homestead exemptions, reducing tax obligations on primary properties by up to $50,000.
Down Payment Assistance Programs in Florida
Several down payment assistance programs are available in the state, mainly through the Florida Housing Finance Corporation:
Disclaimer: Mortgage rates, program availability, and state regulations are subject to change and may vary by lender, borrower eligibility, and location. This information is provided for general educational purposes only and is not intended as legal, tax, or financial advice.
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READY TO CONNECT?
Who is a Trusted Mortgage Lender in Florida?
Finding a trustworthy wholesale lender that offers a wide range of programs and has a convenient flow is a challenge. AD Mortgage is the Lender of Choice, trusted by brokers and loan originators from coast to coast. We are among Top-5 trusted lenders in the U.S., according to MPA’s survey of mortgage professionals.
What is the Best Mortgage Rate Right Now in Florida?
Mortgage rates change frequently and vary by credit score, LTV, occupancy, loan program, property type, market conditions, and lender pricing. To check the rates for your client scenario, use the Quick Pricer, a free loan calculator.
Can You Buy a House in Florida without a Down Payment?
Yes. Eligible borrowers can qualify for USDA or VA loans that offer 100% financing. Additionally, Florida offers down payment assistance programs that can help cover a portion of the down payment and closing costs for qualified homebuyers.
Are Property Taxes Included in a Mortgage in Florida?
Often, property taxes are included into mortgage payments and are paid through escrow accounts, managed by the loan servicer. Additionally, eligible borrowers might qualify for homestead exemptions, lowering monthly contributions.
What is the First Step in Getting a Mortgage in Florida?
The first step is reviewing the borrower’s financial situation, strategic financial goals, and eligibility requirements to identify the most suitable mortgage solution. AD Mortgage’s partner brokers can use Quick Pricer Pro within the AIM Partner Portal to evaluate the scenario and compare different loan options.
How Much are Closing Costs on a $400,000 House in Florida?
In Florida, closing costs typically range between 2% and 5% of the purchase price, which equals approximately $8,000 to $20,000 for a $400,000 house. However, exact costs depend on the borrower’s profile and lender requirements and should be evaluated individually for each scenario.
Who Pays Closing Costs in Florida for a Mortgage?
Often, borrowers cover mortgage-related closing costs. Sellers often pay for title insurance in many Florida counties, but it is negotiable. Lenders may allow borrowers to finance certain closing costs as part of the loan, which may result in a higher interest rate.
What Credit Score is Needed to Buy a House in Florida?
Typically, borrowers can qualify with a FICO score as low as 580. However, the required credit score depends on the borrower’s credit history and overall profile, as well as program type, property, and lender guidelines.
How Much Money Do You Need to Buy a House in Florida?
In 2026, the median house value is $376,504 in Florida, but prices vary significantly by location. Our recent study compares affordability of homeownership in different cities in each state. In Florida, a household needs 28.4 years to save for a 15% down payment in Miami at an average annual savings rate of 4.6%, compared to 12.8 years in Jacksonville.
Is It a Good Time to Buy a House in Florida?
Generally, yes. The market is becoming more balanced, while the inventory is increasing and price growth is slowing. However, differences among local markets can be significant, so location plays a crucial role when making a decision.
What First-Time Homebuyer Programs are Available in Florida?
Several down payment assistance programs are available in Florida but not limited to first-time homebuyers. These include Florida Assist, Florida Homeownership Loan Program, and HFA Preferred Plus and HFA Advantage Plus initiatives. Additionally, the Hometown Heroes Program is offered specifically to eligible first-time buyers.
How Do I Choose a Mortgage Lender in Florida?
When choosing a wholesale mortgage lender, explore feedback from other professionals. For example, AD Mortgage is a broker-voted lender chosen by over 1,000 experts in MPA’s survey. Additionally, we have a 4.8-star rating on Google with over 1,100 reviews.
What is a Florida Mortgage Lender License?
A Florida Mortgage Lender License is a state authorization required to perform lending activities in the state. Licensed lenders must meet regulatory requirements and comply with applicable state and federal laws.
How Do Brokers Submit a Florida Loan Scenario to AD Mortgage?
To submit a Scenario Request, fill out this form. Our managers will contact you within 30 minutes with a mortgage solution tailored to your client’s needs.
Does AD Mortgage Offer Non-QM Loans in Florida?
Yes. AD Mortgage is a Top-Non-QM Wholesale lender, according to Scotsman Guide. Visit our Non-QM program page to explore the solutions we offer in Florida and coast to coast.
Can Investors Get DSCR Loans in Florida?
Yes. AD Mortgage offers DSCR mortgages with loan amounts up to $3 million. Explore the DSCR loan page for more details.
Does AD Mortgage Support Bank Statement Loans in Florida?
Yes. The 12/24 Month Bank Statement program by AD Mortgage is a flexible mortgage solution, offering loan amounts up to $4 million with DTIs up to 55% and CLTVs up to 90% on purchases.
Can AD Mortgage Help with Florida Condo Scenarios?
Yes. AD Mortgage offers mortgage solutions for warrantable and non-warrantable condos. Submit a Scenario Request to get a tailored solution for your case.
Does AD Mortgage Work in Florida?
Yes. AD Mortgage is a licensed wholesale lender in Florida, and our headquarters is located in Fort Lauderdale.
Does AD Mortgage Have an Office in Florida?
Yes. AD Mortgage’s headquarters is in Fort Lauderdale.
Where is AD Mortgage Located in Florida?
The address of AD Mortgage’s headquarters is 899 W Cypress Creek Rd, Fort Lauderdale, FL 33309.
How Do I Become an AD Mortgage Partner in Florida?
Fill out the Broker Package to start working with an experienced lender and focus on your customers while we take care of the rest for you.
Which Florida Cities Does AD Mortgage Serve?
We work with mortgage brokers across all regions of Florida. Submit a Scenario Request to receive the best-fit mortgage solution for properties in a specific area or market.
