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A trusted Florida mortgage lender

Total Mortgage provides competitive home loans tailored to the Sunshine State's unique housing market.
From the Panhandle to the Keys, we help buyers navigate local challenges—including condo lending
guidelines, flood insurance requirements, and property-specific considerations—while securing
competitive Florida mortgage rates.

Serving borrowers across Florida

Whether you're in Tampa, Naples, West Palm Beach, or Pembroke Pines, our experienced loan
professionals offer solutions for every stage of homeownership:
• First-Time Buyers: Low down payment options and state-specific assistance programs.
• FHA & VA Loans: Flexible government-backed financing for qualifying borrowers.
• Jumbo & Conventional: Competitive solutions for higher-priced homes and upgrades.
• Refinancing: Options to lower monthly payments or access home equity.

Why Florida homebuyers 
choose Total Mortgage

Florida's housing market requires more than a generic lending
approach. While many national lenders process Florida loans like
any other state, Total Mortgage combines the resources of a
nationwide lender with the specialized expertise needed to
navigate Florida's unique property and insurance requirements.

From high-rise condos to coastal communities, we understand the
factors that can complicate Florida transactions — including
association approvals, reserve requirements, and flood zone
insurance guidelines that may impact qualification. 

Complex Condo Approvals 
We help borrowers navigate Florida condo documentation and
underwriting requirements that often delay less experienced
lenders.

Flood & Insurance Considerations

From coastal properties to inland flood zones, we account for
insurance costs early — helping you understand how they affect
affordability and approval.

A Streamlined Process in Competitive Markets
Florida's housing market moves quickly. Our structured process
and proactive communication help you stay competitive when
timing matters.

 

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Lo que dicen nuestros clientes en Florida

Ver más testimonios

Jason is fantastic to work with! Pulls miracles when it comes to getting funding for real estate. Even if the terms are bad, he will tell you his advice even if it prevents him from getting paid. Overall, very trusting and knows his stuff. I refinanced my condo, back in 2017. He even was able to get me more than what I was pre approved for when I bought my house. Keep up the good work! I’ll be sure to pass your info to everyone I know!

Michael P.

google

(Translated by Google) My wife and I had a very good experience buying our first house from very responsible people. (Original) Fue muy buena la experiencia que vivimos mi esposa y yo en comprar nuestra primera casa con personas muy responsables

Chiritablo@gmail.com C.

google

I had a great experience working with Jason throughout the process of purchasing my home. He is very professional, knowledgeable, responsive, and made what can be a stressful process feel smooth and straightforward. He took the time to answer all my questions, kept me informed every step of the way, and made sure everything stayed on track through closing. I really appreciated his communication, attention to detail, and willingness to go above and beyond to make the process as easy as possible. I would absolutely recommend him to anyone looking to purchase a home or refinance. Thank you for helping make the home-buying process such a great experience!

Nick B.

google

The staff made this a much better experience than I was expecting, They were very supportive and responsive to my needs and requests! We were first time Homebuyers and they helped us through the entire process! I would highly recommend them to anyone needing to purchase a Home.

William J.

thelenderlist

Don and the team made the process smooth and easy from the pre approval until closing. I was always provided with all my options and how to maximize on the current loan conditions.

Justin P.

thelenderlist

Look no further! When it comes to explaining the entire mortgage process, Jason was the person we needed. He took the time to break down the numbers in a way that could be easily understood...something that's extremely important when making one of the most expensive purchases of your life. We trusted Jason so much that we refinanced with him, too. Smart, funny, & very communicative, you won't be disappointed!

Michael W.

google

I've worked with Jason more than once to secure financing as well as re-financing for our home mortgage. He is professional, diligent and conscientious, walking us through each step of the process and ensuring we secured the best option as quickly as possible. Fast, honest and knowledgeable. I recommend him to anyone seeking financing. He is a trusted resource.

Gregory S.

google

Loan officer was knowledgeable and easily and readily available for any questions I had. The portal and mobile app are excellent.

Thomas L.

thelenderlist

I had a great experience working with Richard Breed and his team at Total Mortgage. Richard was efficient, accommodating, knowledgeable, and resourceful throughout the entire home-buying process. He took the time to understand my financial situation and helped match me with the best mortgage option that worked for me financially. The process went surprisingly smoothly, and I truly appreciated how helpful, responsive, and supportive Richard and his team were along the way. Buying a home is a big step, but they made the experience feel much less stressful. I’m grateful for their guidance and all their hard work in helping me get into my new home. I would absolutely recommend Richard and his team to anyone looking for a mortgage lender who genuinely cares about finding the right fit for their clients!

Natasha V.

google

If I could give Denise 10 stars I would! Denise was the best to work with. Always available if I had questions, kept me updated through the whole process from start to end. Was transparent and worked so hard to help me become a first time home owner. I cannot thank her enough. Kind, smart, personable, and knows her stuff!

Tiana J.

google
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Florida Home Loan Options

Total Mortgage offers a wide range of home loan programs designed to meet the needs of Florida borrowers.
Whether you're buying your first home, upgrading, or refinancing, we help match you with the right financing
solution.

FHA Loans in Florida
Popular among first-time buyers, FHA loans offer flexible credit and down payment options. In Florida, loan
limits vary significantly by county, with higher limits in high-cost markets like Monroe (Key West) and
Collier (Naples). We help you navigate these local limits to maximize your purchasing power.

VA Loans for Florida Veterans
Florida is proud to host major military communities near MacDill AFB, Pensacola NAS, and Eglin Air Force
Base. Our VA loans offer 100% financing and no private mortgage insurance (PMI) for eligible veterans,
active-duty service members, and surviving spouses.

Conventional Loans
Ideal for borrowers with strong credit, conventional loans are a staple in Florida's diverse market—from
Miami condos to Orlando investment properties. These loans offer flexible terms for primary residences,
second homes, and vacation rentals throughout the state.

Jumbo Loans
For luxury properties in markets like Palm Beach, Naples, and Sarasota, jumbo loans provide financing that
exceeds standard lending limits. We offer competitive rates for high-value coastal and waterfront homes that
require specialized underwriting.

First-Time Homebuyer Programs
We work with state-specific initiatives like the "Hometown Heroes" program and Florida Housing Finance
Corporation options to help eligible buyers reduce upfront costs.

Looking for more options? Total Mortgage offers specialty financing solutions nationwide. Learn more.

Preguntas frecuentes sobre hipotecas en Florida

What is considered a good mortgage interest rate?

When exploring mortgage rates, it's essential to evaluate not only the interest rate but also consider additional loan terms such as annual percentage rates (APRs), fees, and closing costs. A comprehensive comparison of loan specifics from multiple lenders is crucial in identifying the most advantageous deal tailored to your circumstances.

Should I lock my mortgage rate?

Mortgage rates are subject to frequent and unpredictable changes. Contemplating locking your mortgage rate may be prudent under the following conditions:

  • Rising rates: If there's a sustained upward trend in rates over several weeks or months, securing your rate ensures it won't exceed the initially qualified rate.
  • Federal Reserve meeting: Anticipating a potential rate increase during a Federal Reserve meeting, consider locking your rate before the meeting for financial security.
  • Desire for financial certainty: Locking your rate guarantees a stable monthly mortgage payment, shielding you from unexpected changes.
  • Set closing date: If your closing date is fixed with no expected delays, securing your rate is a strategic decision.

How long does a mortgage rate lock last?

The specific lock-in period may vary, but generally, you can secure a mortgage rate for 30 to 60 days. Once the rate lock expires, unless the lender agrees to an extension, the initially locked rate is no longer guaranteed. Changes in factors like credit score, loan amount, debt-to-income ratio, or appraisal value during the lock-in period could potentially void the initial rate lock.

Is it possible for me to negotiate my mortgage rates?

Depending on your credit qualifications and willingness to obtain quotes from multiple lenders, negotiating a lower mortgage rate may be feasible. Another option is purchasing mortgage points, where paying a percentage of the interest upfront can reduce the interest rate and monthly payments. A mortgage point is equivalent to approximately 1% of the total loan amount, translating to around $2,500 on a $250,000 loan.

How are interest rates determined?

Lenders establish interest rates for their loan products, influenced by factors such as the Federal Reserve's actions, economic conditions, and consumer demand. Changes in short-term rates by the Federal Reserve can prompt lenders to adjust mortgage rates. Individual considerations, including credit score, down payment, income, as well as the varying levels of risk and operational expenses for lenders, can also impact mortgage rates.

How frequently do mortgage rates change?

Mortgage rates can vary daily, influenced by factors like inflation, the bond market, and the overall housing market.

Speak to a Florida mortgage expert

Habla con un experto hipotecario en Florida hoy