Mortgage loans in Florida
Andes Mortgage is a licensed Florida mortgage broker working with homebuyers, homeowners and investors across the state — Miami, Tampa, Orlando, Jacksonville, and the Gulf Coast.
Whether you’re financing a rental on its own income or buying a home to live in, we match you to the right loan that works for you.
We work with a lot of complex borrowers in Florida and we lean into the programs the big banks, retail lenders and credit unions won’t touch — DSCR rental loans, non-warrantable condos, foreign national and ITIN/Tax ID borrowers — and we’ll tell you plainly what you qualify for before you spend time shopping.
- Long-term & Short-Term Airbnb DSCR
- Investor lending in ~46 states
- Hablamos español
- NMLS #2187991
Andes Mortgage LLC — a licensed mortgage broker, not a lead form.
- Licensed in Florida
Regulated Florida mortgage broker serving the whole state.
- Broker, not a single lender
We shop your file across many wholesale lenders to fit your situation.
Florida housing market at a glance
Florida is one of the most active markets in the United States. Over the past year listing prices have cooled and homes are taking longer to sell — which means more room to negotiate and a deeper pool of inventory for buyers looking for primary homes and investors seeking rental income.
In 2026, Florida is considered to be a buyer’s market. There is less competition, more motivated sellers, and rents that hold while prices settle. The figures below update automatically each month.
Florida housing market
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Figures are Realtor.com listing data (what sellers are asking) — not sale prices. Source: Realtor.com via FRED (Federal Reserve Bank of St. Louis). Updates monthly.
Mortgage interest rates today in Florida
Last update: July 31, 2026
Conventional mortgage - Purchase
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.396% | 6.398% |
| 20-yr. fixed | 6.258% | 6.267% |
| 15-yr. fixed | 5.794% | 5.8% |
| 5-yr. ARM | 6.129% | 6.374% |
Conventional mortgage - Refinance
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.616% | 6.624% |
| 20-yr. fixed | 0% | 0% |
| 15-yr. fixed | 6.046% | 6.061% |
| 5-yr. ARM | 6.7% | 6.621% |
National 30-year fixed rate
Where the benchmark has moved over the past year. Reported by the Federal Reserve of St. Louis (FRED).
30-Year Fixed Mortgage Rate — Last 12 Months
Source: Freddie Mac PMMS via FRED
Where to go next
Follow your situation into the details — terms, down payment, and the documents each program needs. Every program below is open to Florida borrowers today; the Florida-specific pages go deeper on the overlays that actually come up here.
Finance a Florida rental on the property’s income — no tax returns, no personal DTI. Our highest-demand investor program, with a dedicated Florida page.
Already own Florida rentals? Tap the equity without affecting your current mortgage terms — qualify on the portfolio’s cash flow.
Buying Florida investment property from abroad? Qualify on the rent with no US credit required — built for Florida’s international buyers.
Living and filing taxes in the US with an ITIN and no SSN? Buy or refinance a home to live in, a second home, or a rental.
Find your Florida loan in minutes
Answer a few quick questions and we’ll point you to the program that fits and what you’d need to qualify — no credit pull, no obligation. Hablamos español.
Andes Mortgage LLC · NMLS #2187991 · Equal Housing Lender. Licensed mortgage broker in Florida. Market figures are Realtor.com listing data (not sale prices), published via FRED (Federal Reserve Bank of St. Louis) and updated monthly. This page is informational and is not a commitment to lend; program terms and eligibility vary by lender and are subject to change.