What credit score do I need for a Florida mortgage?

FHA loans in Florida can be approved with credit scores as low as 580 with 3.5% down payment, or 500-579 with 10% down. Conventional loans typically require 620+, while VA loans have flexible credit requirements for eligible veterans.

How much down payment do I need for a home in Florida?

Down payment requirements vary: FHA loans require 3.5% minimum, VA loans offer 0% down for veterans, conventional loans start at 3% for first-time buyers, and we have programs that can help with down payment assistance.

How long does the mortgage approval process take?

With Dr.MortgageUSA, you can get pre-approved in as little as 60 seconds through our quick online assessment. Full loan approval typically takes 21-30 days, though we often close faster with our network of 79+ lenders.

What documents do I need to apply for a mortgage in Florida?

You'll typically need: 2 years of tax returns, recent pay stubs or proof of income, bank statements, driver's license or ID, and Social Security card. Veterans will also need their DD-214 or Certificate of Eligibility for VA loans.

Your Dream Home Is Closer Than You Think

Navy veteran helping Florida buyers get clear numbers and smart approval options.

600+

Families Helped

Years Navy Service

More Loan Options

Than any local bank or credit union in Florida

Get personalized numbers and expert guidance!

📞 Call 850-346-8514 Apply Online Now

Takes less than a minute. No credit check required.

Today's Mortgage Rates

Updated: November 25, 2025

Dennis Ross

Ready to Help!

Your Path to Homeownership in 60 seconds

Step 1 of 5 Instant Results

What's your target home price?

This helps us find the right loan programs for you

First-Time Homebuyer Programs

Make your first home feel possible, not overwhelming.

What you can get:

✓ Down payment assistance where available
✓ FHA loans with as little as 3.5 percent down
✓ Access to first time buyer grants and incentives
✓ Clear guidance so you know what to expect before you make an offer

Get Your Pre-Approval

VA Loan Benefits for Veterans

Use the benefits you earned. No confusion. No complications.

Your VA benefits can include:

✓ Zero down payment on many purchases
✓ No private mortgage insurance
✓ Competitive fixed interest rates
✓ Flexible credit and guideline allowances

Get Your VA Pre-Approval

Credit Improvement Solutions

Not ready yet is still a plan if you follow the right steps.

Here is how I help:

✓ Review your credit picture
✓ Give direct steps to raise your scores
✓ Connect you with trusted credit partners
✓ Show you loan options that fit as scores improve

Start Your Journey

Smart Strategies for Repeat Buyers

Use the equity and experience you already have to get a better move.

Smart options for repeat buyers:

✓ Compare fixed and adjustable loans for long term savings
✓ Use seller paid buydowns to lower your payment early
✓ Plan for a refinance when rates shift
✓ Decide when to tap equity and when to hold it

Get Your Savings Plan

Investor Financing Solutions

Real options for investors at every level, from first rental to full portfolio.

What type of investor financing do you need?

DSCR Loan Qualify based on rental income

Fix and Flip Loan Short-term renovation financing

Hard Money Renovation Loan Fast funding for rehab projects

Bank Statement Investor Loan Use bank deposits instead of tax returns

Investment Property HELOC Access equity in rental properties

Portfolio or Blanket Loan Finance multiple properties under one loan

Tell me what you want to build and I will map out the best financing options for it.

Loan Options You Can Qualify For

You get matched with the best loan options across many lenders. I compare everything for you so you understand your numbers before you make a move.

FHA Loans

Minimum 3.5 percent down. Strong option for buyers building or rebuilding credit.

VA Loans

Zero down. No PMI. The strongest financing available for eligible veterans and active duty.

Conventional Loans

Starting at 3 percent down. Best rates and lowest costs for strong credit.

USDA Loans

Zero down in qualifying rural areas. Lower monthly cost for buyers outside metro zones.

Bank Statement Loans

Twelve to twenty four months of business deposits used as income. Ideal for self employed buyers who do not show high taxable income.

DSCR Investor Loans

Approval based on rental income, not personal income. Clean solution for investors expanding their portfolio.

Not sure which option fits you?

Mortgage Payment Calculator

Have Questions? Call Dennis Ross Today!

📞 850-346-8514

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Home Price

Down Payment

Loan Type

Loan Term

Interest Rate (%)

Property Tax (Annual)

Home Insurance (Annual)

HOA Fees (Monthly)

PMI (Monthly)

Conventional: PMI if <20% down

Get personalized rates and expert guidance!

📞 Call 850-346-8514 Apply Online Now

About Dr. MortgageUSA

I'm Dennis Ross, but you can call me Dr. Mortgage USA. I am a Navy veteran with fifteen years of service, five years on active duty with two combat deployments, and I continue to serve in the Navy Reserve. I bring that background into every part of my work as a Florida mortgage broker based in Orlando.

Meet Dennis Ross

Florida mortgage broker, Navy veteran, and guide for buyers who want clear answers without the runaround.

I served five years on active duty with two combat deployments and continue to serve in the Navy Reserve, totaling fifteen years of military service. After active duty, I earned my master's degree in social work and built a career focused on helping people through major life decisions. I moved into the mortgage industry in 2020 with the same mindset the military and social work taught me. Stay disciplined, stay accurate, and keep people calm when the pressure is real. I bring that approach into every loan I handle.

My focus is simple. I help first time buyers, single buyers, and veterans understand their numbers, compare smart options, and get approved with confidence. You will always know what your payment looks like, what your best loan options are, and what steps come next.

I work as a wholesale mortgage broker, which means you get more loan options than any local bank or credit union in Florida. I shop the market for you and build a plan that fits your situation.

Whether you are buying your first home in Florida or moving here from out of state, my job is to make the process clear, predictable, and low stress.

What sets me apart:

Veterans come first.

I lived this life. I know how VA loans actually work. I fight to get funding fees waived where possible, help you secure property tax relief, and close clean VA loans.

More loan options than any local bank.

As an independent broker, I am not locked into one menu. I compare real time options across many lenders so we can match your credit, income, and goals to the right program.

You will understand every number.

I walk you through your figures on Zoom so you see everything in real time. I follow up with plain language summaries. You get clear answers, not jargon.

My Mission: Serve every family in Florida and every family relocating to our beautiful state of Florida with honest guidance, clear communication, and financing that fits their goals.

Apply Now - Secure Application

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Today's Mortgage Rates

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Rates as of November 25, 2025. Your actual rate depends on your credit score, loan type, and other factors.

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Your Dream Home Is Closer Than You Think

Today's Mortgage Rates

What's your target home price?

Great! What's your first name?

Which best describes you?

How much can you put down?

When do you want to move?

First-Time Homebuyer Programs

What you can get:

Get Your Pre-Approval

VA Loan Benefits for Veterans

Your VA benefits can include:

Get Your VA Pre-Approval

Credit Improvement Solutions

Here is how I help:

Start Your Journey

Smart Strategies for Repeat Buyers

Smart options for repeat buyers:

Get Your Savings Plan

Investor Financing Solutions

What type of investor financing do you need?

How It Works

Take the 60 second quiz

Get your custom plan

Close on your home

Loan Options You Can Qualify For

FHA Loans

VA Loans

Conventional Loans

USDA Loans

Bank Statement Loans

DSCR Investor Loans

Client Success Stories

Mortgage Payment Calculator

Ready to Apply?

You should have:

About Dr. MortgageUSA

Meet Dennis Ross

What sets me apart:

Veterans come first.

More loan options than any local bank.

You will understand every number.

Stay Connected

Today's Mortgage Rates

Follow @dr.mortgageusa

Ready to Make Your Move?