I'm buying a in county, FL for , putting % down. My credit score is , and I plan to use it as my .
I have a mortgage balance of at % interest on my in county, FL worth . My credit score is , and I use it as my .
*Property tax and insurance are estimates based on Florida averages. Actual amounts may vary by location and property.
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Representative rates · 780+ credit · 20% down · Florida primary residence
Your actual rate depends on credit score, LTV, property type, and market conditions. These are not locked rates.
Best rates for W-2 borrowers with solid credit and stable employment history.
→ 3.5% DownLower credit scores welcome. Great for first-time buyers and anyone rebuilding.
→ No Tax ReturnsQualify on rental income alone. For investors building a real estate portfolio.
→ Self-EmployedUse 12–24 months of bank deposits instead of tax returns. Built for entrepreneurs.
→ High-Value HomesFinancing above conforming limits for luxury properties across Florida.
→ Non-US CitizensDSCR programs for non-resident investors buying Florida real estate.
→The interest rate is the cost you pay each year to borrow money, expressed as a percentage. APR (Annual Percentage Rate) includes the interest rate plus other costs like origination fees, discount points, and other charges. APR gives you a more complete picture of the total cost of your loan, making it easier to compare different mortgage offers.
Several factors influence your mortgage rate: your credit score (higher scores typically get better rates), down payment amount (larger down payments can lower rates), loan type and term, property type and use, debt-to-income ratio, and current market conditions. Your specific rate quote will be personalized based on your unique financial profile.
Simply viewing current rates or using our calculator won't impact your credit score. However, when you formally apply for a mortgage and the lender pulls your credit report, this is a "hard inquiry" that may temporarily lower your score by a few points. The good news: multiple mortgage inquiries within a 45-day period typically count as just one inquiry, so you can rate shop without additional credit score impact.
"Conventional loan, 10% down on $445k house. Chase quoted us 6.25%, Bedrock Mortgage beat them by 0.375%. That's $118 a month in savings. Closed in 18 days, super smooth."
"Had FHA at 6.5% with $287/month PMI. Refinanced to conventional at 6.0%, no PMI. Payment dropped $430 a month. Break-even was 10 months. Should've refinanced sooner."
"DSCR loan at 7.25%. No W-2s, qualified on rent alone. Property cash flows $640 a month after PITI. Already used the same program on a second unit."