# Black Rock Mortgage

Florida-based mortgage broker licensed in 40+ states. 200+ wholesale lenders. FHA, VA, USDA, conventional, jumbo, manufactured homes and non-QM loans. Keith Meredith, NMLS 303217.

## Sitemaps

- [XML Sitemap](https://www.blackrockmortgage.com/sitemap-index.xml): Contains all public & indexable URLs for this website.

## Posts

- [You can buy a second primary residence for your parents!](https://www.blackrockmortgage.com/buy-a-second-primary-residence-for-your-parents/) - Do you want to help your parents by buying them a home? You can finance a property for them as a second primary residence. With as little as 5% down.
- [Cheapest Places to Buy a House in Florida (2026) — 12 Affordable Towns](https://www.blackrockmortgage.com/cheapest-places-to-buy-a-house-in-florida/) - The 12 cheapest places to buy a house in Florida in 2026 — and the $0-down and low-down financing that works in each one, from a Florida mortgage broker.
- [Do Mortgage Lenders Use FICO or VantageScore?](https://www.blackrockmortgage.com/do-mortgage-lenders-use-fico-or-vantagescore/) - Mortgage lenders pull specific FICO score versions — not the VantageScore you see in free apps. Learn which scores count and how to check yours.
- [FHA vs USDA vs VA vs Conventional in Florida (2026) — Which Wins?](https://www.blackrockmortgage.com/fha-vs-usda-vs-va-vs-conventional-florida/) - The four major Florida loan programs compared honestly: down payments, credit floors, mortgage insurance, 2026 limits — and the crossover rules that decide which one actually saves you money.
- [Can I Finance a Log Cabin? Yes you can!](https://www.blackrockmortgage.com/financing-a-log-cabin-in-florida/) - Can I finance a log cabin? Yes, we do them all the time but there's a few things to know before you jump into a deal!
- [Florida First-Time Home Buyer Grants (2026) — Up to $35K](https://www.blackrockmortgage.com/florida-first-time-home-buyer-grants/) - Every Florida first-time home buyer grant and assistance program for 2026 — Hometown Heroes, FL Assist, HLP, MCC tax credit — and how to combine them.
- [Florida First-Time Home Buyer Programs 2026: Up to $35K in Help](https://www.blackrockmortgage.com/florida-first-time-home-buyer-programs/) - Every real Florida first-time home buyer program in 2026 — Hometown Heroes (up to $35K), FL Assist, USDA $0 down, FHA and VA. What you qualify for and how to stack them, from a Florida broker. NMLS #303217.
- [Florida Property Tax Exemptions (2026) — Homestead, Senior & Veteran Savings](https://www.blackrockmortgage.com/florida-property-tax-exemptions/) - Florida property tax exemptions explained: the homestead exemption, Save Our Homes cap, senior and veteran exemptions, portability, and how to apply by March 1.
- [Current Florida USDA Turn Times — July 2026 Processing Updates](https://www.blackrockmortgage.com/florida-usda-turn-times/) - Current USDA Rural Development turn times for Florida. See how long USDA loan approval is taking right now and how to keep your closing on schedule.
- [Housing Prices in Florida — Market Trends & What Buyers Should Know](https://www.blackrockmortgage.com/housing-prices-in-florida/) - Where Florida home prices stand now, how they got here, and what it means if you are buying or refinancing. Insights from a Florida mortgage broker.
- [How Much House Can I Afford in Florida? (2026) — The Real Math](https://www.blackrockmortgage.com/how-much-house-can-i-afford-in-florida/) - The actual math lenders use in Florida: the two debt ratios, income needed for a $200K-$500K home at 2026 rates, and the Florida traps (taxes, insurance) that change the answer.
- [Manufactured Home Financing in 2026: Programs, Myths & How to Qualify](https://www.blackrockmortgage.com/manufactured-home-financing-in-2026-everything-you-need-to-know/) - Manufactured homes are more financeable than most people think. Learn the programs available in 2026 — including FHA, VA, USDA, and conventional — plus common myths debunked and how to qualify.
- [New FHA Mortgage Insurance Rates](https://www.blackrockmortgage.com/new-fha-monthly-mortgage-insurance-premium/) - FHA mortgage insurance rates have improved! Check out the latest.
- [New USDA Income Limits for Florida — Do You Qualify?](https://www.blackrockmortgage.com/new-usda-income-limits/) - USDA raised its income limits for Florida households. See the new limits by county and household size, and find out if you now qualify for $0-down USDA.
- [Rent-to-Own Homes in Florida (2026) — How It Works & Smarter Alternatives](https://www.blackrockmortgage.com/rent-to-own-homes-in-florida/) - How rent-to-own homes work in Florida, the real risks in lease-option contracts, and why many renters actually qualify for a mortgage today with $0-$10K down.
- [Requirements to Buy a House in Florida (2026) — Complete Checklist](https://www.blackrockmortgage.com/requirements-to-buy-a-house-in-florida/) - Everything you need to buy a house in Florida in 2026: credit scores, income documents, down payment by loan type, and Florida-specific costs — full checklist.
- [How the MCC First-Time Home Buyer Program Saves Florida Deals](https://www.blackrockmortgage.com/saving-deals-with-the-mcc-first-time-home-buyer-program/) - The Mortgage Credit Certificate (MCC) gives Florida first-time buyers a federal tax credit that can rescue qualification. See how it works.
- [Should I Wait For Mortgage Rates to Drop Before Buying in Florida?](https://www.blackrockmortgage.com/should-i-wait-for-mortgage-rates-to-drop-before-buying-a-home-in-florida/) - Should you wait for mortgage rates to drop before buying a home in Florida? Keith Meredith runs the real numbers — the answer may surprise you.
- [What Moves Florida Mortgage Rates? (July 2026)](https://www.blackrockmortgage.com/what-moves-florida-mortgage-rates/) - What really moves mortgage rates — the bond market, inflation and jobs data, not the Fed — plus where Florida rates sit in July 2026 and the pricing levers you control. NMLS #303217.

## Pages

- [Black Rock Mortgage | FL Mortgage Broker, 40+ States](https://www.blackrockmortgage.com/) - Florida-based mortgage broker licensed in 40+ states. 200+ wholesale lenders. FHA, VA, USDA, conventional, and non-QM loans. Talk to Keith — NMLS #303217.
- [About Black Rock Mortgage | Florida Mortgage Broker — Keith Meredith](https://www.blackrockmortgage.com/about-us/) - Black Rock Mortgage is a Florida mortgage broker with 15+ years of experience and access to 200+ wholesale lenders. Meet Keith Meredith and see why local buyers trust us.
- [Accessibility - Black Rock Mortgage](https://www.blackrockmortgage.com/accessibility/) - Black Rock Mortgage is committed to web accessibility. Learn about our WCAG 2.1 AA standards, alternative ways to reach us, and how to report an accessibility issue.
- [Become a Mortgage Broker With Us — $995 Flat Fee Per File](https://www.blackrockmortgage.com/become-a-mortgage-broker/) - Loan originators: keep more with a $995 flat fee, 2.75% comp, your own brand and client list, correspondent power, and support that shows up. 343 originators, $1B+/year. Confidential conversations welcome.
- [Apply to Black Rock Mortgage - Black Rock Mortgage](https://www.blackrockmortgage.com/become-a-mortgage-broker/apply/) - Loan Officer Application • 100% Confidential Apply to Black Rock Mortgage A few quick details and your application goes straight to Keith Meredith — not a recruiter, not a drip campaign. Your current employer never hears from us. Want the overview first? Back to Work With Us
- [Belleview FL Mortgage Broker | USDA $0 Down & Manufactured Home Loans](https://www.blackrockmortgage.com/belleview-mortgage-broker/) - Local mortgage broker for Belleview and south Marion County — $0-down USDA loans, manufactured home financing on land, and first-time buyer programs.
- [Florida Mortgage Blog | Home Buying & Refinance Insights — Black Rock Mortgage](https://www.blackrockmortgage.com/blog/) - Honest, broker-written articles on Florida mortgages, home buying, refinancing, and investor financing. Plain English, real numbers, 15+ years of experience.
- [Florida Condotel Financing — Specialty Mortgage Loans | Black Rock](https://www.blackrockmortgage.com/condo-tel-financing-in-florida/) - Mortgage financing for Florida condotel units in Orlando, Sunny Isles, Daytona, Clearwater, and Panama City Beach. 25%+ down, specialty lender. Talk to Keith — NMLS #303217.
- [Contact - Black Rock Mortgage](https://www.blackrockmortgage.com/contact/) - We would love to hear from you. Either by way of email, office number, or our toll free number. Or just send us a message directly from this page.
- [Florida Conventional Mortgage — 3% Down for First-Time Buyers](https://www.blackrockmortgage.com/conventional-mortgage-in-florida/) - Florida conventional mortgages with as little as 3% down for first-time buyers, 5% repeat. Avoid PMI at 20% down. 2026 loan limit $832,750. Compare options.
- [Florida First-Time Home Buyer Program — 3% Down Conventional](https://www.blackrockmortgage.com/conventional-mortgage-in-florida/conventional-first-time-home-buyer-program/) - Florida first-time home buyer? Qualify for conventional financing with just 3% down. No homeownership in last 3 years required. Get your pre-approval today.
- [Piggyback Mortgage Florida — Avoid PMI With 10% Down](https://www.blackrockmortgage.com/conventional-mortgage-in-florida/piggy-back-mortgage-in-florida/) - Florida piggyback HELOC: 10% down, no PMI, no jumbo restrictions. Better than a bridge loan when buying before your old home sells. 24-hr pre-approval.
- [Documents Needed for a Florida Mortgage — Complete Checklist](https://www.blackrockmortgage.com/documents-needed-for-a-mortgage/) - Complete checklist of documents needed for a Florida mortgage — by category, by loan type, and by stage. Mobile uploads accepted. Pre-approved in 24 hours.
- [Down Payment Assistance in Florida, Is It Right For You?](https://www.blackrockmortgage.com/down-payment-assistance-in-florida/) - Down payment assistance in Florida has never been easier. Whether you are a first time home buyer or not, its available. We can help guide you.
- [Florida FHA Loan Requirements (2026) — 3.5% Down, 580+ FICO](https://www.blackrockmortgage.com/fha-home-mortgage-loan/) - Every FHA loan requirement for Florida buyers in 2026: credit score, down payment, DTI, property rules, and county loan limits — explained by a Florida FHA broker.
- [FHA Streamline Refinance in Florida — Lower Your Rate Fast](https://www.blackrockmortgage.com/fha-home-mortgage-loan/fha-streamline-refinance/) - Lower your FHA mortgage rate with the FHA streamline refinance. No appraisal, no income verification, soft credit check. Florida borrowers, close in days.
- [First Time Home Buyer Program Florida Mortgage Credit Certificate Program (MCC)](https://www.blackrockmortgage.com/first-time-home-buyer-program-florida-mortgage-credit-certificate-program-mcc/) - The MCC program is a great program that Florida offered but its no longer active.
- [Florida Cash-Out Refinance — Up to 100% LTV with VA](https://www.blackrockmortgage.com/florida-cash-out-refinance/) - Florida cash-out refinance: tap home equity for renovation, debt consolidation or investment. Up to 100% LTV with VA, 80% conventional. Compare options.
- [Florida Closing Costs Estimator (Doc Stamps + Title)](https://www.blackrockmortgage.com/florida-closing-costs/) - Florida-specific closing cost estimator. Built around real FL math: doc stamps, intangible tax, promulgated title insurance. Itemized buyer cash-to-close.
- [Florida One-Time Close Construction Loan — FHA, VA, USDA, Conv.](https://www.blackrockmortgage.com/florida-construction-loan/) - Florida one-time-close construction loans. FHA, VA, USDA & conventional. Build your home with one closing, then auto-modify into your permanent mortgage. 620 FICO+.
- [Florida VA New Construction](https://www.blackrockmortgage.com/florida-construction-loan/va-new-construction-loan/) - VA new construction loans are different than other programs. We highlight the differences here. Including VA jumbo construction.
- [Florida DSCR Loans — Investor Mortgages, No Tax Returns](https://www.blackrockmortgage.com/florida-dscr-loan/) - Florida DSCR loans for real estate investors. Qualify on rental income, no W-2s, no tax returns. Higher loan amounts than conforming. SFR, multi, condo, STR eligible.
- [Florida Jumbo Loan – Up to $15M for Luxury Homes](https://www.blackrockmortgage.com/florida-jumbo-loan/) - Jumbo mortgages are not all the same. Let us look for the best product for your needs and compete for rate.
- [Florida Loan Program Finder — Which Mortgage Fits You?](https://www.blackrockmortgage.com/florida-loan-program-finder/) - Answer 6-8 quick questions and see your top 3 best-fit Florida mortgage programs — FHA, VA, USDA, Conventional, DSCR & more. Free, no email gate.
- [Florida Mobile & Manufactured Home Loans — Lenders Who Say Yes](https://www.blackrockmortgage.com/florida-mobile-home-financing/) - Finance a Florida manufactured home with FHA, VA, USDA or conventional. Doublewide & singlewide, primary or second home, refi welcome. 3.5% down with FHA.
- [Can You Finance a Manufactured Home That's Been Moved? (Florida)](https://www.blackrockmortgage.com/florida-mobile-home-financing/manufactured-homes-that-have-been-moved/) - Most lenders say no — we say maybe. What it takes to finance a Florida manufactured home that's been moved off its original site. Eligibility, gotchas & options.
- [Refinance a Florida Manufactured Home — Lower Rate or Cash Out](https://www.blackrockmortgage.com/florida-mobile-home-financing/refinance-manufactured-home/) - Refinance a Florida manufactured home for a lower rate or cash out. FHA, VA, USDA & conventional refi options. Doublewide & singlewide eligible.
- [Florida Singlewide Manufactured Home Financing — Hard to Find!](https://www.blackrockmortgage.com/florida-mobile-home-financing/singlewide-manufactured-home-financing/) - Most lenders won't finance singlewide manufactured homes — we will. Florida singlewide loans with FHA, VA & USDA. Primary residence financing available.
- [Florida USDA Manufactured Home Loan — $0 Down Rural Mfg.](https://www.blackrockmortgage.com/florida-mobile-home-financing/usda-mortgage-for-manufactured-homes/) - $0 down USDA loans for manufactured homes in rural Florida. 620+ FICO. Doublewide & singlewide. New or existing. Property must qualify as USDA-rural.
- [Florida Mortgage Rates (2026) - Current Averages & Your Rate](https://www.blackrockmortgage.com/florida-mortgage-rates/) - Today's average Florida mortgage rates (30- and 15-year) from Freddie Mac, what really determines your rate, and how a broker shops lenders to beat the bank. NMLS #303217.
- [Florida Non-QM Loans — Bank Statement, DSCR, P&L, 1099](https://www.blackrockmortgage.com/florida-non-qm-loans/) - Florida non-QM mortgages for self-employed, investors, and unconventional income. Bank statement, DSCR, P&L-only, 1099, asset-depletion. Compare programs.
- [Florida Physician Loans — 100% Financing, No PMI for Doctors | Black Rock](https://www.blackrockmortgage.com/florida-physician-loan/) - Florida physician home loans: 100% financing up to $2M, no PMI, 680 FICO, and qualify on a signed contract before you start. For doctors, dentists, CRNAs, pharmacists & more.
- [Florida USDA Loans & Lenders — $0 Down Rural Development Mortgage](https://www.blackrockmortgage.com/florida-usda-mortgage/) - Florida USDA rural development mortgage for eligible rural areas. Lower mortgage insurance than FHA, 580+ FICO, income limits apply. Pre-approval in 24 hours.
- [1% Rate Buydown for a Quarter Point — July Special](https://www.blackrockmortgage.com/free-buydown-2026/) - Lock your mortgage with Black Rock Mortgage by July 31, 2026 and get a 1-year 1% rate buydown for just 0.25 points. Save $2,000-4,000 in year one. FHA, VA, USDA, conventional.
- [Gainesville FL Mortgage Broker | First-Time Buyer & Investor Loans](https://www.blackrockmortgage.com/gainesville-mortgage-broker/) - Mortgage broker serving Gainesville, Florida — first-time buyer programs for UF and UF Health employees, parent-buyer options for students, and DSCR investor loans.
- [Free Mortgage Rate Quote in 60 Seconds](https://www.blackrockmortgage.com/get-a-quote/) - Get your free mortgage rate quote in under 60 seconds. No credit check, no commitment. 5-star rated broker, licensed in 40+ states. Call 352-615-1613.
- [Get a Florida Mortgage Pre-Approval Letter](https://www.blackrockmortgage.com/get-pre-approved/) - You need a pre-approval letter to make an offer on your home. Get pre-approved before you start shopping! See how much you qualify for.
- [Florida Home Buyer's Survival Guide — Free PDF Download](https://www.blackrockmortgage.com/home-buyers-survival-guide/) - Complete Florida home buyer's guide — loan programs, qualifying, the process, the closing table, and the lingo. Free PDF download. By a 20-year mortgage broker.
- [Florida HELOC — Home Equity Line of Credit, Close in Days](https://www.blackrockmortgage.com/home-equity-line-of-credit-in-florida/) - Florida home equity lines of credit up to $400K. Soft credit check, approval in minutes, fund in days. 80% combined LTV, 640+ FICO. No pre-payment penalty.
- [Florida Hometown Heroes Program — Up to $35K for Down Payment](https://www.blackrockmortgage.com/hometown-heroes-mortgage-program/) - Florida Hometown Heroes: up to $35K toward down payment & closing for nurses, teachers, first responders, military & more. 0% interest 2nd mortgage. Apply now.
- [Home Loans For Police Officers](https://www.blackrockmortgage.com/hometown-heroes-mortgage-program/home-loans-for-police-officers/) - We love to serve our first responders. We are dedicated to providing the best rate and terms available.
- [Keith Meredith — Florida Mortgage Broker](https://www.blackrockmortgage.com/keith-meredith/) - Meet Keith Meredith — Division President of Black Rock Mortgage with 15+ years of experience and $100M+ in mortgage originations. Florida-based, NMLS #303217.
- [Florida FHA & Conforming Loan Limits by County (2026)](https://www.blackrockmortgage.com/loan-limits/) - Look up your Florida county's FHA and conforming loan limits in seconds. 1 to 4-unit limits for all 67 counties. Updated for 2026.
- [Florida Mortgage Loan Programs — FHA, VA, USDA, Jumbo, DSCR](https://www.blackrockmortgage.com/loan-programs/) - Compare Florida mortgage loan programs side-by-side: FHA, VA, USDA, Conventional, Jumbo, DSCR, bank-statement, manufactured & reverse. Find your fit in 60 seconds.
- [Florida Mortgage FAQ | Common Questions Answered — Black Rock Mortgage](https://www.blackrockmortgage.com/mortgage-faq/) - Get answers to common Florida mortgage questions — credit scores, down payments, the loan process, closing costs, homestead exemption, and more from a local broker.
- [Florida Mortgage Tools — Calculators, Glossary, Document Checklist](https://www.blackrockmortgage.com/mortgage-tools/) - Free Florida mortgage tools — payment calculator, affordability calculator, 140+ term glossary, document checklist. Florida-specific defaults, no email required.
- [Florida Home Affordability Calculator — How Much Can I Afford?](https://www.blackrockmortgage.com/mortgage-tools/affordability-calculator/) - See how much home you can afford in Florida with three buying-power tiers — Comfortable, Standard, and Maximum. Florida-specific defaults. Free, no email.
- [Compare Florida Loan Programs — FHA vs Conventional vs VA vs USDA & More](https://www.blackrockmortgage.com/mortgage-tools/florida-loan-program-comparison/) - Compare all 12 Florida mortgage programs side-by-side — FHA, Conventional, VA, USDA, DSCR, Jumbo & more. Filter by credit, down payment, buyer type. Free.
- [Florida Mortgage Calculator — Full PITI Payment Estimator](https://www.blackrockmortgage.com/mortgage-tools/mortgage-calculator/) - Estimate your full Florida mortgage payment — principal, interest, taxes, insurance, PMI, HOA. Florida-specific defaults baked in. Free, no email required.
- [Mortgage Glossary — 140+ Terms Explained](https://www.blackrockmortgage.com/mortgage-tools/mortgage-glossary/) - Comprehensive glossary of mortgage terms — FHA, VA, USDA, jumbo, HECM, DSCR, HELOC, and 130+ more. Plain-English definitions from a Florida mortgage broker.
- [New Construction Homes in Ocala FL — $0 Down Options | Black Rock](https://www.blackrockmortgage.com/new-houses-in-ocala-florida/) - Financing new construction homes in Ocala, Marion Oaks & Silver Springs Shores. $0 down USDA/VA, FHA, conventional. Talk to Keith — NMLS #303217.
- [Hard Money Loans in Ocala, FL — Local Private Money Lender | Marion, Levy & Citrus](https://www.blackrockmortgage.com/ocala-hard-money-loans/) - Locally funded hard money and private money loans in Ocala, FL — purchase or cash-out, up to 65% LTV, decisions made in Marion County, not a national call center. Serving Marion, Levy and Citrus counties. NMLS #303217.
- [Ocala Mortgage Broker | Keith Meredith NMLS #303217 | Black Rock](https://www.blackrockmortgage.com/ocala-mortgage-broker/) - Ocala mortgage broker Keith Meredith — 18 years in Marion County, $100M+ closed, 65+ five-star reviews. FHA, VA, USDA, conventional, manufactured home loans.
- [Meet the Team](https://www.blackrockmortgage.com/our-team/) - Meet the Black Rock Mortgage team — Keith Meredith and his support staff serving Florida home buyers with 24-hour pre-approvals and direct, personal service.
- [Privacy Policy - Black Rock Mortgage](https://www.blackrockmortgage.com/privacy-policy/) - How Black Rock Mortgage collects, uses, and protects your personal information. Florida-licensed mortgage broker (NMLS 303217) — GLBA-compliant data privacy practices.
- [Rate Buydown Calculator (2-1, 3-2-1, Discount Points)](https://www.blackrockmortgage.com/rate-buydown-calculator/) - See if a 2-1, 3-2-1, or permanent point buydown actually helps. Year-by-year payment schedule, break-even math, honest verdict.
- [Florida Refinance Calculator - Should You Refi?](https://www.blackrockmortgage.com/refinance-calculator/) - Calculate your refinance savings in 30 seconds. New monthly P&I, monthly savings, break-even months, lifetime interest. Honest verdict, not a sales pitch.
- [Florida Mortgage Refinance — 12 Refi Options, All Loan Types](https://www.blackrockmortgage.com/refinance-mortgage/) - Florida refinance mortgage options — conventional, FHA streamline, VA IRRRL, USDA, cash-out, HELOC, jumbo, reverse, manufactured. 200+ lenders shopped. 24-hr review.
- [Florida Reverse Mortgages — HECM, Purchase, & Refinance](https://www.blackrockmortgage.com/reverse-mortgages/) - Florida reverse mortgage hub — HECM guide, HECM for Purchase, line-of-credit strategy, and HELOC comparison. FHA-insured, non-recourse. Free proposal in 24 hours.
- [How Does a Reverse Mortgage Work in Florida? (2026 Guide)](https://www.blackrockmortgage.com/reverse-mortgages/florida-hecm-guide/) - How a Florida reverse mortgage (HECM) actually works: who qualifies at 62+, how much you can get by age, payout options, costs, HUD counseling, and what it means for your heirs — from a Florida broker. NMLS #303217.
- [HECM for Purchase in Florida — Buy a Home With No Monthly Payment (62+)](https://www.blackrockmortgage.com/reverse-mortgages/hecm-for-purchase-florida/) - HECM for Purchase lets Florida buyers 62+ put roughly half down and finance the rest with no monthly mortgage payment for life in the home. How it works, down payment by age, eligibility, and the process — from a Florida reverse mortgage broker. NMLS #303217.
- [Client Reviews — 5-Star Florida Mortgage Broker](https://www.blackrockmortgage.com/reviews/) - Real 5-star reviews from Florida buyers who closed with Keith Meredith at Black Rock Mortgage. See why neighbors across Florida trust a local broker.
- [Self-Employed Mortgage in Florida | Bank Statement & 1099 Loans](https://www.blackrockmortgage.com/self-employed-mortgage/) - Self-employed mortgage programs for business owners, 1099 contractors, and freelancers in Florida. Bank statement, P&L, DSCR, asset depletion loans. Talk to Keith — NMLS #303217.
- [Florida Bank Statement Mortgage — 12 or 24 Month Programs](https://www.blackrockmortgage.com/self-employed-mortgage/bank-statement-mortgage-program/) - Florida bank statement mortgages for self-employed buyers. 12 or 24 months personal/business statements, 10% down with 680 score. No tax returns. Compare options.
- [Spec Construction Loans for Builders — 90% LTC, \$0 Monthly Payments](https://www.blackrockmortgage.com/spec-construction-loans/) - Spec home financing built for builders: \$200K-\$4M, up to 90% loan-to-cost (100% with land sub), 0% pay rate — no monthly payments during the build. Florida broker, builder-to-broker straight talk.
- [States We’re Licensed In — 40+ States](https://www.blackrockmortgage.com/states-we-are-licensed/) - Black Rock Mortgage (a division of Coast 2 Coast, NMLS #376205) is licensed in 40 states plus DC and USVI. See where we lend as a correspondent vs. broker.
- [Temporary Rate Buydown Guide — 2-1, 3-2-1, 1-0 Explained](https://www.blackrockmortgage.com/temporary-rate-buydown/) - Florida mortgage temporary rate buydown guide — 3-2-1, 2-1, 1-1, 1-0 options explained with worked savings examples. Seller-paid or buyer-paid. 24-hr pre-approval.
- [Terms of Service - Black Rock Mortgage](https://www.blackrockmortgage.com/terms-of-service/) - Terms governing use of blackrockmortgage.com. Florida mortgage broker — electronic communications consent, equal housing lender disclosures, and dispute resolution.
- [The Villages FL Mortgage Broker | VA, HECM & 55+ Lending | Black Rock](https://www.blackrockmortgage.com/the-villages-mortgage-broker/) - Mortgage broker serving The Villages, Florida — VA loans for the huge veteran community, HECM purchase for 55+, and lenders who understand bond assessments.
- [Florida USDA Eligibility - County Map & Income Limits](https://www.blackrockmortgage.com/usda-eligibility/) - Check if your Florida property and income qualify for a USDA $0-down mortgage. County map, income lookup, and link to USDA's official property tool.
- [Refinance a USDA Loan in Florida — Streamline-Assist, No Appraisal](https://www.blackrockmortgage.com/usda-refinance-program/) - Refinance your USDA loan in Florida with the Streamline-Assist option: no appraisal, no income or credit check, and closing costs rolled in. See which of the three USDA refinance options fits and exactly what you would save.
- [VA Funding Fee Calculator - 2026 Rates by Scenario](https://www.blackrockmortgage.com/va-funding-fee/) - Calculate your VA funding fee in seconds. 2026 rates by purchase, IRRRL, cash-out, first-time vs subsequent use. Plus exemption eligibility for disabled vets.
- [Florida VA Loans — $0 Down for Veterans | 500+ FICO OK](https://www.blackrockmortgage.com/va-home-mortgage/) - Florida VA home loans with $0 down, no monthly MI, and credit scores down to 500. Funding fee 2.15% first use. Buy single-family, manufactured, or new construction.