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Our Home State

Florida home loans —
Panhandle to the Keys.

Smart Mortgage Solutions is a Boca Raton–based mortgage lender serving homebuyers, homeowners, real estate agents, and investors across all of Florida. From first-time buyers in Orlando to luxury waterfront purchases in Miami and Naples, Florida is the heart of our business — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Statewide
All 67 Florida Counties
14 days*
Close In As Little As
$832,750
2026 FL Conforming Limit
5.0 ★
Google Review Rating
Florida Markets

Local lending across
every region of Florida.

South Florida

The Gold Coast and Treasure Coast — high-value purchases, condos, and investment properties from Boca Raton down to the Keys.

  • Miami-Dade, Broward, Palm Beach counties
  • Boca Raton, Fort Lauderdale, West Palm Beach, Miami
  • Naples, Cape Coral, Fort Myers (Southwest Florida)
  • Monroe County & the Florida Keys (Key West)
Central Florida

The I-4 corridor and Gulf Coast — first-time buyers, new construction, and growing-family moves through Orlando and Tampa Bay.

  • Orange, Hillsborough, Pinellas, Polk counties
  • Orlando, Tampa, St. Petersburg, Lakeland
  • Sarasota, Bradenton, Clearwater (Gulf Coast)
  • Space Coast — Melbourne & Brevard County
North Florida & the Panhandle

From Jacksonville's First Coast to the Emerald Coast — primary homes, VA purchases near military bases, and coastal second homes.

  • Duval, Leon, Alachua, Escambia counties
  • Jacksonville, Tallahassee, Gainesville
  • Pensacola, Destin, Panama City (Emerald Coast)
  • VA-friendly lending near Florida military communities
Loan Programs in Florida

Financing for every
kind of Florida buyer.

FAQ

Florida mortgage
questions answered.

We serve borrowers statewide across South Florida, Central Florida, and North Florida — from the Panhandle to the Keys. That includes Miami-Dade, Broward, Palm Beach, Orange, Hillsborough, Duval, Lee, Collier, and every other Florida county.
The 2026 conforming loan limit is $832,750 in most Florida counties. In high-cost Monroe County (the Florida Keys), the limit rises to $990,150. Loan amounts above these limits are financed as jumbo loans.
Florida borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Florida home journey?

Get pre-approved today — no cost, no obligation. Florida borrowers, let's get you to the closing table.