Residential · Florida

Mortgages for homes valued at $1 million and above in Florida

Stonehaven Lending arranges purchase and refinance financing for homes valued at $1 million and above in Florida. Bilingual service statewide, subject to lender underwriting.

The Short Answer

Stonehaven Lending arranges purchase and refinance financing for homes valued at $1 million and above in Florida. Bilingual service statewide, subject to lender underwriting.

Local, Actually

Why the Florida part matters

In Florida, homeowners insurance decides affordability as much as the loan does - wind and flood premiums belong in the payment from day one, not as a surprise at closing. We price them in up front.

Homestead exemption, condo-review rules, and title-company closings all run differently here. Miami, Orlando, Tampa, Jacksonville, and statewide - in English or Spanish.

i

Buy in Florida

Compare conforming and jumbo paths based on the loan amount and property.
ii

Refinance

Decided by break-even math.
iii

Run your numbers

Full PITI payment and affordability, itemized.
Licensing

Licensed and verifiable

Florida Mortgage Broker License #MBR3925 · Company NMLS #1752355 · Verify at NMLS Consumer Access

Also licensed in: Georgia (#19721 · MLO #169068) · Alabama (#22874) · Tennessee (#165060) · North Carolina (#B-198926) · South Carolina.

Common Questions

What buyers ask us

What home loan programs are available in Florida?

For a high-value home, the requested amount and down payment help distinguish a conforming path from jumbo financing. The lender confirms documentation, eligibility and structure. Jumbo mortgage guide.

How does homeowners insurance affect qualifying in Florida?

The insurance premium is part of the monthly payment lenders qualify you on, and in coastal Florida it can rival the tax bill. We quote it into the payment before you shop, so the budget holds.

Is Stonehaven Lending licensed in Florida?

Yes - Florida Mortgage Broker License #MBR3925, company NMLS #1752355, with service in English and Spanish. Verify at NMLS Consumer Access.

Start Here

Tell us about the Florida home

A specialist replies within one business day. No obligation, no credit pull.

We treat every inquiry in confidence. No credit pull at this stage. By submitting, you agree Stonehaven may contact you about your inquiry by phone, email or text. Consent is not a condition of service.

Find FHA, VA and other programs in all residential guides.

Plan around who will occupy the property

For a rental investment, the Florida DSCR guide connects property taxes and records with the rental-income and payment review. Investment financing needs a different review from a home you will occupy yourself.