Florida › Rate buydown mortgages

Rate buydown mortgages in Florida

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

82 firms with a Florida office list rate buydown mortgages on their own sites: 23 mortgage lenders, 54 mortgage brokers, 3 banks, 2 credit unions. Pick a city for the local list, or scan the firms with the most complete public data below.

By city

• Tampa19 firms
• Miami9 firms
• Boca Raton9 firms
• Orlando9 firms
• Jacksonville7 firms
• Naples6 firms
• Sarasota6 firms
• Fort Lauderdale5 firms

24 of the 82 firms

Firms appear here as their city goes live.

• Mortgage lender

  A&D Mortgage LLC

  Fort Lauderdale +1 more NMLS 1857076

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Bank statement loans
  • Rate buydown mortgages
  • +22 more
  5,245 FL loans in 2025See this lender
• AHMortgage lender

  Absolute Home Mortgage Corporation

  Apollo Beach +5 more NMLS 2211981

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Bridge loans
  • Rate buydown mortgages
  • +14 more
  338 FL loans in 2025See this lender
• CFMortgage lender

  Cardinal Financial Company, Limited Partnership

  Jacksonville NMLS 2751606

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Condo mortgages
  • +13 more
  1,232 FL loans in 2025See this lender
• Mortgage lender

  Embrace Home Loans, INC.

  Gainesville +5 more NMLS 1190302

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Rate buydown mortgages
  • Cash out refinance
  • +20 more
  627 FL loans in 2025See this lender
• FIMortgage lender

  Fairway Independent Mortgage Corporation

  Apalachicola +19 more NMLS 1162377

  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Bridge loans
  • Rate buydown mortgages
  • +15 more
  3,153 FL loans in 2025See this lender
• GMMortgage lender

  Guild Mortgage Company LLC

  Boca Raton +22 more NMLS 1771956

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +18 more
  2,790 FL loans in 2025See this lender
• MFMortgage lender

  The Mortgage Firm, INC.

  Altamonte Springs +17 more NMLS 1230836

  • 15 year fixed mortgages
  • Alt doc HELOCs
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • +25 more
  2,851 FL loans in 2025See this lender
• CMMortgage lender

  Crosscountry Mortgage, LLC

  Auburndale +38 more NMLS 1212907

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Condo mortgages
  • Conventional mortgages
  • +13 more
  11,987 FL loans in 2025See this lender
• Mortgage broker

  5 Star Mortgage, LLC

  Tampa NMLS 1693282

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Rate buydown mortgages
  • +18 more
  See this broker
• Mortgage broker

  5Th Avenue Mortgage Corporation

  Fort Lauderdale NMLS 2413588

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • DSCR loans
  • +12 more
  See this broker
• Mortgage broker

  American Mortgage Services, INC.

  Tampa NMLS 259805

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • Commercial real estate loans
  • +18 more
  See this broker
• AMMortgage broker

  Anchor Mortgage Co

  Coral Springs +1 more NMLS 2700159

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • Commercial real estate loans
  • +12 more
  See this broker
• Mortgage broker

  Bliss Mortgage LLC

  Tampa NMLS 1564092

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Conventional mortgages
  • +11 more
  See this broker
• Mortgage broker

  Credimax, LLC

  Boca Raton NMLS 2005441

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Conventional mortgages
  • +12 more
  See this broker
• CFMortgage broker

  Ctc Financial P.A.

  Miami NMLS 1974499

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • Commercial real estate loans
  • +14 more
  See this broker
• Mortgage lender

  Envoy Mortgage Ltd

  Jacksonville +1 more NMLS 2302318

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Rate buydown mortgages
  • Cash out refinance
  • +19 more
  See this lender
• Mortgage broker

  First Florida Financial, INC.

  Fort Myers +2 more NMLS 2057475

  • Asset depletion loans
  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • +18 more
  See this broker
• Bank

  Florida Capital Bank, National Association

  Gainesville +3 more

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Business acquisition loans
  • Rate buydown mortgages
  • +14 more
  See this bank
• Mortgage broker

  Fluxx Mortgage & Financial LLC

  Tampa NMLS 1939945

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • DSCR loans
  • +9 more
  See this broker
• Mortgage lender

  Home1St Lending, LLC

  Fort Myers +5 more NMLS 1106640

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • DSCR loans
  • +12 more
  See this lender
• Mortgage broker

  Homeone Mortgage LLC

  Miami +1 more NMLS 2424383

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +13 more
  See this broker
• Mortgage broker

  Imortgage4U INC

  Orlando NMLS 2322976

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Conventional mortgages
  • +8 more
  See this broker
• JHMortgage lender

  Jet Homeloans, LP

  Jacksonville +1 more NMLS 1660135

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Blanket and portfolio loans
  • Rate buydown mortgages
  • +15 more
  See this lender
• Mortgage broker

  Liberty Mortgage, LLC.

  Sarasota NMLS 205396

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • DSCR loans
  • +11 more
  See this broker

• All of FloridaEvery city and loan type

Questions people ask

How many Florida lenders offer rate buydown mortgages?

82 firms with a Florida office list rate buydown mortgages on their own websites as of October 15, 2026: 23 mortgage lenders, 54 mortgage brokers, 3 banks, 2 credit unions. Out-of-state companies licensed in Florida without a local office are not counted here.