Most people who have a mortgage think “the loan” and “the deed” are the same thing. They’re not — and the difference between your promissory note (who owes the money) and your mortgage/deed of trust (who pledged the property) can protect you legally, affect your estate, and determine what happens if a spouse can’t qualify for a loan. Here’s the complete Florida guide.
With 30-year rates hovering near 6.75% in 2026, roughly 30 million US homes carry FHA or VA loans from 2020–2022 at 2.5–4%. Assuming one of those loans could save you $600–$1,200+ per month. Here’s exactly how assumable mortgages work in Florida, what the catch is, and how to find them.
Most Central Florida buyers don’t know they can get $10,000 to $45,000 in down payment assistance — with no monthly payment and potential forgiveness after 10–30 years. Here’s every program available in Orange, Seminole, Osceola, and Lake counties in 2026, and exactly how to qualify.
You don’t need a perfect credit score to buy a home in Florida — you may not even need a credit score at all. Here’s exactly how manual underwriting, alternative credit, and the right loan programs open the door for buyers who’ve been told “you don’t qualify.”
Medical professionals can buy a Florida home with 0% down, no PMI, and flexible student loan rules. Here’s how doctor loans work — from a licensed Realtor & Mortgage Broker.