Home loans in Florida,
insurance included in the math
Licensed in Florida (#MBR3925) - bilingual service from Miami to the Panhandle.
Stonehaven Lending arranges purchase, refinance, FHA, and VA financing across Florida under license #MBR3925 - in English and Spanish. Co-founder Dawn M. Muñoz: 20+ years of mortgage operations.
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.
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.
What buyers ask us
What home loan programs are available in Florida?
Conventional, FHA, VA, and HELOC programs statewide - purchase and refinance, for primary homes and second homes. Condo purchases get an extra review step; we handle it.
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.
Tell us about the Florida home
A specialist replies within one business day. No obligation, no credit pull.