Florida is one of the busiest home markets in the country, and every county has its own personality, from the Panhandle to the Space Coast to the southwest coast. If you are planning a purchase in 2027, this guide covers Jacksonville, Tampa, Orlando, Lakeland, and Cape Coral, the loan types we can help you compare, and the state housing agency that may be worth a look. Shay Yates and the True North Yates Group team are a small, Springfield, Missouri based team licensed to lend in Florida, and we answer the phone. You can also read our Florida page for a quick overview.
Where buyers are looking in Florida
Here is a quick tour of places we hear about often. This is not a ranking and not advice about where anyone should live. It is simply a starting point for your own search.
Jacksonville
The largest city in the state by population, with a big military presence at Naval Air Station Jacksonville and Naval Station Mayport. Price points are a broad mix across the metro.
Tampa
A large, busy metro and home to MacDill Air Force Base. The market has a lot of variety, from condos near the water to newer suburban communities.
Orlando
A large market with strong sales volume and plenty of new construction in the surrounding counties, such as Lake and Osceola.
Lakeland
Between Tampa and Orlando in Polk County, where new construction has been very active and buyers often compare it with both big metros.
Cape Coral
On the southwest coast near Fort Myers, with a very active new construction market. Flood zones and insurance are part of almost every conversation here.
Loan programs to know in Florida
Most Florida buyers end up choosing among a handful of loan types. We compare them side by side for your situation, with no pressure.
- Conventional loans. A flexible choice for buyers with solid credit, and often a good fit for larger purchases or second homes.
- FHA loans. Government insured loans designed with flexible credit and smaller down payments in mind, a common route for first-time buyers.
- VA loans. A benefit for eligible Veterans, service members, and some surviving spouses. Jacksonville, Tampa, Pensacola, and the Panhandle all have major military bases, so Veteran buyers are common and VA loans are a frequent topic.
- USDA loans. Away from the big metros, many Florida towns and rural pockets may be USDA eligible. Check the address on the USDA map, and we can talk through the process.
- First-time buyer programs. Help from Florida Housing, covered below.
First-time buyer help from Florida Housing
Florida Housing Finance Corporation is the state agency behind homebuyer programs in Florida. Florida Housing runs a Homebuyer Program for first-time buyers, along with the FL Assist down payment assistance option, offered through participating lenders. Income and purchase price limits vary by county and homebuyer education may be required, so ask us whether you may qualify.
Program details, limits, and which lenders take part are set by the agency and can change, so please check the agency's own site, Florida Housing, for the latest. We do not want to promise anything the agency has not. What we can do is look at your situation and tell you honestly what to ask about.
A local thing worth asking about
Insurance and flood zones deserve extra attention in Florida. Condos and townhomes also come with project and association reviews that can affect which loan types work, so ask us early.
How we work with Florida buyers
The path is the same wherever you are buying. First comes a no pressure conversation about your goals and your budget. Next we look at loan options and, if it makes sense, get you pre-approved so your offer stands out. Once you are under contract, we keep you posted at every step, from the appraisal to the closing table, and we explain each document in plain English. If a question comes up at 9 at night, send a text.
Next steps
Not sure where to start? Start with a simple conversation. We will listen first, then map out a plan that fits your timeline. You can see where we lend on our states we serve page, read the Florida page, send us a note on the contact page, or start your application. Shay and the team are just a text away.
Frequently asked questions
Is Shay licensed to help with a home loan in Florida?
Yes. Shay Yates (NMLS 2172921) is licensed through Southwest Funding to originate loans in Florida. Licensing details are on our Florida page, and you can verify any loan officer at nmlsconsumeraccess.org.
Does Florida have a first-time buyer program?
Yes. Florida Housing Finance Corporation offers a Homebuyer Program and down payment assistance through participating lenders. Limits and lender participation vary, so ask us whether you may qualify.
Can I use a VA or FHA loan on a Florida condo?
It depends on the project. Condo projects generally need to meet the loan program's approval rules, so share the building name and we will help you check.
Do I need to live in Missouri to work with you?
No. Our team works with buyers in Florida and other states by phone, text, and secure online tools, so you can apply and move through the process from home. Reach us any time on the contact page.
This post is general information, not financial advice or a commitment to lend. Programs and eligibility vary and are subject to credit and property approval. Talk with a loan officer about your situation.