Florida home buying guide
Buy a House in Florida
Whether you are moving to the Sunshine State or buying your next home here, V&M Mortgage Group with SecurityNational Mortgage Company makes the mortgage side simple. We help buyers across Southwest Florida get pre-qualified, compare loan programs, and close on time — in English or Spanish.
How to buy a house in Florida
Step 1
Get pre-qualified
Know your buying power before you tour homes. A free pre-qualification shows sellers and builders you are serious.
Step 2
Choose your loan program
Compare conventional, FHA, VA, USDA, jumbo and new construction loans side by side to find the best fit for your Florida purchase.
Step 3
Make a competitive offer
Use your pre-qualification letter to make an offer. We stay in touch with your agent to keep financing on track.
Step 4
Close with a local team
From inspection to appraisal to closing day, our Fort Myers branch answers your calls and keeps the process moving.
Why buy in Florida?
No state income tax
Florida has no state income tax, which can free up monthly budget for housing costs.
Homestead exemption
Florida homeowners may qualify for a homestead exemption that reduces property taxes on a primary residence.
Year-round market
Southwest Florida's active market means more inventory in season — and more competition. Pre-qualification helps you move fast.
New construction options
From builder inventory homes to custom builds, we offer specialized financing for Florida new construction purchases.
Loan programs for Florida buyers
- Conventional loans — Competitive rates with 3%–20% down for qualified buyers.
- FHA loans — 3.5% down and flexible credit for first time and repeat buyers.
- VA loans — No down payment and no monthly mortgage insurance for eligible veterans and service members.
- USDA loans — No down payment in eligible Florida rural and suburban areas.
- Jumbo loans — For Florida homes above conforming loan limits.
- New construction — Builder-friendly financing with extended rate locks.
Where we lend in Florida
Licensed in Florida (FL LO5821), we help buyers purchase homes in:
- Fort Myers, FL
- Cape Coral, FL
- Naples, FL
- Bonita Springs, FL
- Estero, FL
- Lehigh Acres, FL
- Port Charlotte, FL
- Punta Gorda, FL
- Marco Island, FL
Common questions
How do I buy a house in Florida from out of state?
Many buyers relocate from out of state. We can pre-qualify you remotely, coordinate with your Florida agent, and walk you through closing even if you are not local yet.
What are closing costs in Florida?
Closing costs typically include lender fees, title insurance, inspection, appraisal, prepaid taxes and insurance. We provide a clear Loan Estimate so there are no surprises.
Can I buy a second home or investment property in Florida?
Yes. We offer financing for primary residences, second homes and investment properties across Southwest Florida.
Ready to buy a house in Florida?
Start your application online or call our Fort Myers branch at 239-895-7766 for bilingual guidance.