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 combat veteran and mortgage broker helping Florida families make smart moves with their home financing

600+

Families Helped

Years Navy Service

Lender Partners

Get personalized rates 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 ⏱️ 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

Your Benefits Include:

✓ Down payment assistance programs
✓ FHA loans with as little as 3.5% down
✓ First-time buyer grants and incentives
✓ Free homebuyer education courses

Get Your Pre-Approval

VA Loan Benefits for Veterans

Your VA Benefits Include:

✓ No down payment required
✓ No private mortgage insurance (PMI)
✓ Competitive interest rates
✓ Flexible credit requirements

Get Your VA Pre-Approval

Credit Improvement Solutions

We Can Help You:

✓ Alternative credit evaluation methods
✓ Credit counseling and repair services
✓ Non-QM loan options
✓ Path to homeownership planning

Start Your Journey

Smart Strategies for Repeat Buyers

Your Advantages Include:

✓ Compare fixed and adjustable rates for maximum savings
✓ Ask sellers for a 2-1 buydown to lower first year payments
✓ Strategic refinance planning when rates drop
✓ Leverage your home equity for better terms

Get Your Savings Plan

Investor Financing Solutions

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

Get Your Investor Quote

How It Works

Getting pre-approved is simpler than you think. Three easy steps to your dream home.

Take the 60-Second Quiz

Answer a few quick questions about your home buying goals. No credit check required.

Get Your Custom Plan

I'll match you with the perfect loan programs from my network of 79 lenders.

Close on Your Home

With pre-approval in hand, you'll make offers with confidence. Most clients close in 21-30 days.

Loan Options You Can Qualify For

You get matched with the best loan across seventy nine lenders. I compare every option 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?

Client Stories

Real families, real results. Here's what they're saying about working with Dr. MortgageUSA.

★★★★★

"Dennis took the stress out of our first home purchase. We closed in 23 days!"

Sarah T.

★★★★★

"He answered my texts at 9 PM and got us a rate I didn't think was possible."

James R.

★★★★★

"I teach kindergarten and Dennis explained everything in plain English. Five stars!"

Maria L.

Jose & Jamie's Story

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Have Questions? Call Dennis Ross Today!

📞 850-346-8514

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📞 Call 850-346-8514 Apply Online Now

About Dr. MortgageUSA

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

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, help you secure property tax exemptions, and close clean VA loans without stress.

I work with 79 different lenders.

As an independent broker, I shop the market for you. I compare real time rates from 79 lenders to get you the strongest financing. If you need down payment assistance or have a unique income profile, I find the program that fits you.

You will understand every number.

I walk you through your figures on Zoom so you see everything in real time. I send plain language follow up emails. You get clear answers within 24 hours. No jargon. No confusion.

My Mission: I bring the same integrity and determination from my Navy career into my work today. I help make homeownership simple, affordable, and low stress for every family I serve in Florida or every family relocating to our beautiful state of Florida.

Apply Now - Secure Application

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Today's Mortgage Rates

Updated daily from MortgageNewsDaily

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

Your Benefits Include:

Get Your Pre-Approval

VA Loan Benefits for Veterans

Your VA Benefits Include:

Get Your VA Pre-Approval

Credit Improvement Solutions

We Can Help You:

Start Your Journey

Smart Strategies for Repeat Buyers

Your Advantages Include:

Get Your Savings Plan

Investor Financing Solutions

What type of investor financing do you need?

Get Your Investor Quote

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 Stories

Mortgage Payment Calculator

Ready to Apply?

Quick Checklist:

About Dr. MortgageUSA

What sets me apart:

Veterans come first.

I work with 79 different lenders.

You will understand every number.

Stay Connected

Today's Mortgage Rates

Follow @dr.mortgageusa

Ready to Make Your Move?