Sunshine, sand, and a place to call home.
Altgage is a licensed Florida mortgage broker. We shop multiple lenders, help with condo financing, and answer the phone, from Miami to Tallahassee.
Same-Day Pre-Approval
15–20 Day Close
One Application, Multiple Options
A Top Line Overview
Local Market Snapshot
Typical Home Value
$378,000
Source: Zillow.com
As of June 2026
Median Days on Market
77 Days
Source: Redfin
As of March 2026
Median Household Income
$77,700
Source: U.S. Census Bureau
2024 data
Where We Lend:
Miami, Fort Lauderdale, Tampa, Orlando, and Jacksonville. Florida prices have cooled and homes are sitting longer, so buyers have room to negotiate. We help you turn that into seller credits and a lower rate.
What We Finance
Whatever You're Financing in Florida
Buying a home
Buying your first or next home? Same-day pre-approval, plus help negotiating seller credits toward your rate or closing costs.
Refinance
Lower your rate, change your term, or pull cash out. We'll show you the math before you commit.
HELOC
Tap your equity and keep your low first-mortgage rate. Fixed-rate options, funding in as few as 5 days.
Investment properties
Qualify on the property's rental income with a DSCR loan, not your tax returns. We compare 5+ DSCR lenders across Florida.
You may need less upfront than you think.
Down Payment Help in Florida
You may not need a big down payment to buy in Florida. These programs are open to buyers across the state.
Chenoa Fund DPA
Covers the 3.5% FHA down payment with a second loan. You don't need to be a first-time buyer.
- Pairs with an FHA first mortgage
- Repayable and forgivable options
National Homebuyers Fund
Down payment and closing cost help from a national nonprofit, paired with an FHA loan. Income limits apply.
- Available in every state we serve
- Covers down payment and closing costs
Program terms and income limits change. We'll check what you qualify for before you apply. See the FAQ below for Florida Housing's state programs.
The Altgage Difference
Why a one-stop tech brokerage beats your bank every time
1
1 day Pre-approval
Submit and get moving the same day — not "a loan specialist will get back to you.
15
15 day closings
A process built to close in days, not the industry-standard month-plus.
0
0 spam calls
No autodialers, no call center — one licensed broker who actually answers the phone.
10+
10+ lender options
We shop 10+ lenders on your loan, so you see more than one bank's price.
A trusted partner for mortgage originations
We work with the best in the business
Realtor partners
We work with agents across Florida
We partner with buyer's and listing agents statewide who need a trusted partner on the journey home.
Don't see your city? We lend across all of Florida
Client reviews
Real reviews, straight from Google
Frequently asked questions
You’ve got questions, we’ve got answers
Florida Housing Finance Corporation runs the state's programs, including Florida Assist and Hometown Heroes, through its participating lenders. Hometown Heroes is funded in rounds, so availability changes. Altgage offers Chenoa Fund and National Homebuyers Fund down payment help to buyers anywhere in Florida.
If the home is in a FEMA high-risk flood zone and you use a federally backed mortgage, flood insurance is required. Even outside those zones it's worth pricing, because it adds to your monthly payment. We include insurance in every payment estimate.
Usually, but newer Florida laws require condo buildings to complete structural inspections and fund reserves. Buildings that fall behind can fail agency guidelines, which rules out most standard loans. When that happens, we look at non-QM lenders that finance these condos.
If the home is your primary residence, Florida's homestead exemption can reduce its taxable value by up to $50,000 and limits how fast the assessed value rises each year. You apply with your county property appraiser after you buy.
Yes. A DSCR loan qualifies you on the property's expected rent instead of your personal income. We compare 5+ DSCR lenders to find your best rate.
