Florida Mortgage Tools

Find the right loan, run the math, and check your eligibility – all in one place. Florida-specific math, not generic national estimators. Free, no email required.

Find Your Loan

Not sure what loan program you qualify for? Start here.

Loan Program Finder Quiz

Answer 6 quick questions and get a ranked list of loan programs you qualify for – conventional, FHA, VA, USDA, Hometown Heroes, and more.

Loan Program Comparison Table

Side-by-side comparison of every major loan program – down payment, credit score, DTI limits, mortgage insurance, and 2026 loan limits.

USDA Eligibility Checker

Check if your Florida property and household income qualify for a USDA Rural Development loan with $0 down. Regional grid covering all 67 counties.

VA Funding Fee Calculator

Calculate your VA funding fee by service status, down payment, and first-use vs subsequent-use. Includes exemption checks and entitlement notes.

Run the Numbers

Calculators with the actual math – principal and interest, taxes, insurance, and Florida-specific costs.

Mortgage Payment Calculator

Calculate your monthly principal, interest, taxes, insurance, and HOA. See total interest over the life of the loan.

Affordability Calculator

Plug in your income, debts, and down payment. See the maximum home price you qualify for under conventional, FHA, VA, and USDA DTI rules.

Refinance Calculator

See if a refi actually pencils for you. Monthly savings, break-even months, lifetime interest comparison, and a color-coded verdict.

Rate Buydown Calculator

Compare 2-1 and 3-2-1 temporary buydowns against permanent discount points. Year-by-year payment schedule, true break-even.

Florida Closing Costs Estimator

Florida-specific math: doc stamps, intangible tax, promulgated title insurance, lender fees, prepaids – itemized buyer cash to close.

2026 Florida Loan Limits

Conforming, FHA, VA, and USDA loan limits by Florida county – updated to 2026 FHFA and HUD values. Search any county in seconds.

Reference & Guides

The mortgage process explained in plain English.

Mortgage Glossary

Plain-English definitions for the terms on your Loan Estimate, Closing Disclosure, and pre-approval letter.

Documents Needed for a Mortgage

The exact paperwork to gather before you apply – W-2s, paystubs, tax returns, bank statements, and the docs that trip people up.

Home Buyer’s Survival Guide

Step-by-step walkthrough of the homebuying process from pre-approval through closing – what to expect, what to avoid.

Why These Tools Matter

Most online mortgage calculators are built for nationwide use. They give you a payment estimate but skip the parts that actually drive your cash to close in Florida – doc stamps, intangible tax, promulgated title insurance rates, hurricane-zone insurance reality, and the patchwork of FHA loan limits that vary by county. The tools above are built specifically for Florida buyers, with the actual FL math baked in.

They’re also free, no email required, and they don’t try to disqualify you for not having a credit score above 740. Run as many scenarios as you want. When you’re ready for real numbers from a real lender, send your scenario and we’ll get you a Loan Estimate within 24 hours.

About the Author

Keith Meredith

Division President, Black Rock Mortgage
NMLS 303217 · 16+ years originating · $100M+ in mortgages closed

Keith Meredith is a 16 year mortgage industry expert who has originated over $100,000,000 in mortgages. Headquartered in Ocala, Florida, Keith runs Black Rock Mortgage as a division of Coast 2 Coast Mortgage, a lender licensed in 40 states. Keith specializes in manufactured home financing, self-employed mortgages, VA construction loans, and helping first-time buyers navigate FHA, USDA, and conventional programs. He creates written and video content to help borrowers understand their financing options.

Call or text directly: 352-619-4959 · Follow Keith on X, Facebook, Instagram, and LinkedIn

Ready For Real Numbers?

Calculators give you ballparks. We give you a Loan Estimate with real lender fees, real rates, and a real path to close.

Get Pre-Approved in 24 Hours

Call Keith: 352-619-4959