FHA Loans in Florida: Your Path to Homeownership
Are you dreaming of owning a home in Florida but feel daunted by the traditional mortgage process? The Federal Housing Administration (FHA) offers a fantastic solution: FHA loans. These government-insured mortgages make homeownership more accessible, particularly for first-time buyers and those with less-than-perfect credit.
Curious about FHA loans?
Conventional Loans (Fannie Mae & Freddie Mac)
- Widely available: The most common type of mortgage, offering various terms and options.
- Competitive rates: Often have lower interest rates for borrowers with excellent credit.
- Purchase or refinance: Suitable for buying a new home or refinancing your current mortgage.
Curious about conventional loans?
Jumbo Loans (Private Equity/Portfolio)
- Higher loan amounts: Ideal for financing luxury homes or properties in expensive areas.
- Investor-friendly: Welcoming to investors with fast closings and flexible terms.
- Credit score flexibility: Other factors besides credit score are considered.
Need a jumbo loan?
VA Loans
- 100% financing: No down payment required for eligible veterans and active military.
- Cash-out refinancing: Access your home’s equity for renovations, debt consolidation, or other needs.
- No mortgage insurance: Save on monthly payments with no private mortgage insurance requirement.
Are you a veteran?
Verified Financial Services Provider
NMLS# 223104
Are We Closing Tomorrow?
The moving truck is in the driveway and the call comes in…You’re not closing tomorrow. Dead silence followed by internal rage. How did this happen? Who is responsible? Why am I finding this out now?
But My Neighbor Got….
“But my neighbor got 2%!” No they didn’t; really, they didn’t. Bankers and brokers do not make “interest rates”, besides the macro economics of it, the individual does.
Consumer Protection Financial Bureau (CPFB)
The Consumer Protection Financial Bureau (CPFB) is an agency designed to protect consumers by regulating certain aspects of lending, from credit cards, to mortgages.
CFPB Pushes For Elimination Of ‘GSE Patch
Anyone that is a client of the firm knows from following me that there is a hard deadline coming down the pike that will have a tremendous affect on consumers ability to purchase or refinance their homes.
What Our Client Say
As a Florida teacher, I was overjoyed to discover this company's Hometown Hero Grant initiative. They helped me every step of the way, and because of their assistance, I'm now a happy homeowner!!
Response from the owner 11:58 12 Apr 25
Thank you for your wonderful feedback, Meryam! We're thrilled to hear that our Hometown Hero Grant initiative was able to support you on your journey to homeownership. It's rewarding to know that we could assist you every step of the way. Congratulations on your new home, and we wish you all the best in this exciting new chapter! 
I did a lot of research before deciding to refinance, but this organization stood out for its knowledge and openness. They helped me understand my alternatives and made sure I received the best Fannie Mae deal possible.
Response from the owner 05:13 21 Feb 25
Thank you for sharing your experience, Alexander! We're thrilled to hear that our team's knowledge and openness made a difference for you. Helping our clients find the best options is our priority. We appreciate your trust in us! 
I value their depth of information regarding VA home loans as a veteran. They helped me get a terrific rate and made the procedure really simple.
Response from the owner 06:33 05 Oct 24
Thank you for your kind words, Margaret! We're honored to assist veterans like you with VA home loans. It's great to hear that you found the process simple and that you received a terrific rate. Your satisfaction is our priority! 
I was able to fulfill my dream of becoming a homeowner thanks to Ace Mortgage Loan Corp. They took the time to learn about my financial circumstances and provided me with individualized attention. I was able to obtain a loan that was ideal for my circumstances with their assistance. I'm very appreciative of their help and knowledge!
I got assistance from Ace Mortgage Loan Corp. through the challenging process of buying my first home. Their knowledge of loans from Freddie Mac and Fannie Mae was invaluable. They made sure I got a wonderful bargain, and I felt secure in their hands.
My interactions with this mortgage firm were excellent. After giving my needs a sincere listen, their staff located the ideal FHA loan for my circumstances. They kept me updated at every stage of the easy-to-follow process.
I did a lot of research before deciding to refinance, but this organization stood out for its knowledge and openness. They helped me understand my alternatives and made sure I received the best Fannie Mae deal possible.
My needs were met with hassle-free home financing options from Ace Mortgage Loan Corporation. The staff was helpful and walked me through every stage. Outstanding assistance!
Ace Mortgage Loan Corp is our go-to for loans. Their variety of loan options cater to diverse needs.The flexibility and transparency in their loan services make them a trustworthy choice for financial solutions.
Securing a mortgage was a breeze with this company. Their expertise and guidance made the process smooth and stress-free!
I recently had the pleasure of working with Kelly Ardito and her amazing team during my home buying journey.
From the very beginning, Kelly displayed an exceptional level of expertise and professionalism. She took the time to understand my unique financial situation and specific needs, which immediately put me at ease. Throughout the entire process, she demonstrated an unparalleled commitment to finding the best solutions for me, and she never hesitated to provide valuable insights and advice to make informed decisions.
One of the things that truly impressed me was Kelly's responsiveness. No matter the time of day or day of the week, she was always available to answer my calls and texts. Even during after-hours and weekends, Kelly and her team were there to provide the support I needed, showing their unwavering dedication to their clients. This level of accessibility and attentiveness made me feel like a top priority, and it greatly reduced the stress that can often come with such an important financial decision.
Kelly's ability to navigate through the complexities of the lending process was nothing short of remarkable. She effortlessly guided me through each step, making sure I understood every detail along the way.
I must also commend Kelly's team, who worked tirelessly alongside her. Their collective efforts and seamless coordination ensured that nothing fell through the cracks, and they demonstrated a level of professionalism that is rare to find in the industry. They took me to the finish line with unmatched determination.
If you are in need of a loan officer who genuinely cares about her clients, is highly knowledgeable, and is willing to go the extra mile, look no further than Kelly and her team. They have set the bar high for excellence in their field, and I wholeheartedly recommend them to anyone seeking mortgage assistance.
Thank you, Kelly, for your exceptional service.
From the very beginning, Kelly displayed an exceptional level of expertise and professionalism. She took the time to understand my unique financial situation and specific needs, which immediately put me at ease. Throughout the entire process, she demonstrated an unparalleled commitment to finding the best solutions for me, and she never hesitated to provide valuable insights and advice to make informed decisions.
One of the things that truly impressed me was Kelly's responsiveness. No matter the time of day or day of the week, she was always available to answer my calls and texts. Even during after-hours and weekends, Kelly and her team were there to provide the support I needed, showing their unwavering dedication to their clients. This level of accessibility and attentiveness made me feel like a top priority, and it greatly reduced the stress that can often come with such an important financial decision.
Kelly's ability to navigate through the complexities of the lending process was nothing short of remarkable. She effortlessly guided me through each step, making sure I understood every detail along the way.
I must also commend Kelly's team, who worked tirelessly alongside her. Their collective efforts and seamless coordination ensured that nothing fell through the cracks, and they demonstrated a level of professionalism that is rare to find in the industry. They took me to the finish line with unmatched determination.
If you are in need of a loan officer who genuinely cares about her clients, is highly knowledgeable, and is willing to go the extra mile, look no further than Kelly and her team. They have set the bar high for excellence in their field, and I wholeheartedly recommend them to anyone seeking mortgage assistance.
Thank you, Kelly, for your exceptional service.
I just want to start by saying Kelly went above and beyond to help us purchase our first home! With having less than perfect credit, actually down right horrible credit! Kelly was able to guide us through a step by step plan to get our credit exactly where it needed to be to purchase our home in record time!
As soon as our credit hit the right score We received a pre-approval literally 24 hours later! Kelly held our hand through every step and we were able to close our loan in 3 weeks!!!
Even when the loan was closed on Kelly’s end she still dragged the title agent to the finish line to make sure everyone was able to walk away happy! We did not have a realtor so Kelly went the extra step to make sure everyone was on the ball!
We cannot thank Kelly enough, when we were turned down by other brokers for our credit score, Kelly rolled up her sleeves and helped us tackle it as a team.
We love Ace mortgage and without them we don’t know if we ever would be where we are today!
As soon as our credit hit the right score We received a pre-approval literally 24 hours later! Kelly held our hand through every step and we were able to close our loan in 3 weeks!!!
Even when the loan was closed on Kelly’s end she still dragged the title agent to the finish line to make sure everyone was able to walk away happy! We did not have a realtor so Kelly went the extra step to make sure everyone was on the ball!
We cannot thank Kelly enough, when we were turned down by other brokers for our credit score, Kelly rolled up her sleeves and helped us tackle it as a team.
We love Ace mortgage and without them we don’t know if we ever would be where we are today!
