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Licensed in Florida · NMLS 1889418
Florida Mortgage Broker
On Mortgage is a licensed Florida mortgage broker serving every county in the state, from the Keys to the Panhandle. We compare dozens of wholesale lenders for each loan and build the payment around what Florida homeowners actually pay: insurance, flood, condo dues and property taxes.
See Live Florida Mortgage Rates And Closing Costs!
No points, no credit
0.250 points
0.064 points
0.224 points
0.112 points
Choose purchase, refinance or cash-out on the full rate page and see rates for your own Florida county upon completion. The example below is a single-family primary residence in Miami-Dade County with 20% down and 780+ credit. Price your own Florida scenario, no credit pull.
Florida’s Mortgage Broker Offering the Lowest Rates
We specialize in residential mortgages.
At OnMortgage, we find a loan that fits each Florida borrower. Big banks staff their mortgage departments with order takers who can only offer what is on one rate sheet. We have highly skilled loan consultants who know what it takes to get a file through underwriting quickly, and they are not limited to one lender’s programs. The banks’ programs are one size fits all. Ours are not.
We have relationships with many wholesale lenders, and each one prices and underwrites a little differently. One may be the sharpest on a conforming loan in Tampa this week, another on a Miami jumbo, another on a self-employed borrower in Orlando with bank statements instead of tax returns. Our job is to find the lender that offers the best rate for your scenario, then manage the loan to closing. Whatever your needs, we are here to help.
On Mortgage: Your Florida Mortgage Broker
Buying a home in Florida has become a major investment, with property values rising dramatically over the past two decades. On Mortgage, a trusted Florida mortgage broker, helps you navigate the changing housing market and secure financing tailored to your needs. Whether you are buying in Miami, Tampa, Orlando or Jacksonville, our team has the knowledge and experience to find you the right mortgage.
Rising Home Prices in Florida
Florida’s real estate market has seen tremendous growth in home values since 2000. Four Florida cities rank among the top 20 U.S. metropolitan areas for the largest increases in home prices, and Miami had the highest rise in the nation, at 299%. If you are thinking about buying in Miami, our Miami mortgage broker page has a detailed guide to your options.
Florida’s Real Estate Market: A Statewide Perspective
Overall, Florida ranks fifth among U.S. states for the largest increase in home values since 2000. Home prices statewide grew 248%, with the typical value rising from $111,863 to $389,325 by 2023. That growth has made Florida a competitive housing market, and also one full of opportunity for buyers and investors. On Mortgage guides you through the mortgage process and makes sure you get the best terms available, whether you are a first-time buyer or refinancing.
Florida’s Top Cities for Home Price Increases
Several Florida cities have seen standout growth in property values over the last two decades:
| City | National rank | Value in 2000 | Value in 2023 | Increase |
|---|---|---|---|---|
| Miami: | 1st, the largest increase in the U.S. | $118,450 | $472,711 | 299% |
| Tampa: | 5th | $105,392 | $372,746 | 254% |
| Orlando: | 8th | $121,519 | $384,720 | 217% |
| Jacksonville: | 15th | $118,209 | $305,615 | 158% |
Typical home values, 2000 and 2023, for each metro area. Each city’s own page has its current median price and market pace.
What insurance and property taxes cost across Florida
In Florida, the mortgage rate is often not the biggest variable in your payment. Homeowners insurance and property taxes swing widely from county to county, and lenders qualify you on the full payment, both included. Here is how the counties we lend in most compare, using the same research that powers our rate engine. Insurance figures are average annual premiums for a typical home; millage is the combined county property tax rate.
| County | Avg. homeowners insurance | vs. Florida average | Property tax (mills) | Local guide |
|---|---|---|---|---|
| Miami-Dade | $6,023/yr | 80% above | 17.59 | Miami |
| Broward | $6,220/yr | 85% above | 19.84 | Fort Lauderdale |
| Palm Beach | $6,412/yr | 91% above | 18.72 | West Palm Beach |
| St. Lucie | $3,522/yr | 5% above | 22.85 | Port St. Lucie |
| Hillsborough | $3,514/yr | 5% above | 15.73 | Tampa |
| Pinellas | $4,044/yr | 21% above | 19.39 | St. Petersburg |
| Orange | $3,585/yr | 7% above | 16.67 | Orlando |
| Volusia | $2,819/yr | 16% below | 19.21 | Daytona Beach |
| Lee | $3,646/yr | 9% above | 15.97 | Cape Coral |
| Duval | $2,801/yr | 17% below | 17.86 | Jacksonville |
| Leon | $2,554/yr | 24% below | 15.20 | Tallahassee |
Florida average homeowners premium: $3,355 a year. Statewide median effective property tax rate: 1.58%. Sources: Florida county homeowners insurance premiums (worthinsurance.com) and county total millage (movewithmomentum.com), updated October 2026. Your own premium depends on the home’s age, roof, construction and wind mitigation, and flood insurance is a separate policy. Run your own numbers.
What makes a Florida mortgage different
The loan programs are national, but borrowing in Florida comes with rules and costs you will not find in most states. A Florida mortgage broker should plan around all of them from the first conversation.
Insurance decides approvals. Because premiums are high and vary so much, an insurance quote that arrives late can push a borrower’s ratios over the limit. Roof age, wind mitigation features and the four-point inspection on older homes matter as much as the rate.
Flood is separate. Standard policies exclude flood. Lenders require flood coverage in FEMA high-risk zones, and heavy rain and storm surge have reached plenty of homes outside them.
Condo law changed. After the Surfside collapse, Florida required milestone structural inspections and properly funded reserves for condo buildings three stories and taller. Lenders now review these closely, and some buildings need portfolio financing until their work is done.
Homestead protects owners. A primary residence qualifies for the homestead exemption, and the Save Our Homes cap limits yearly increases in its assessed value. Owners moving within Florida may be able to carry part of that savings to a new home.
Florida taxes the loan itself. Florida charges documentary stamp tax on the promissory note and an intangible tax on new mortgages, both paid at closing, and title insurance premiums are set by the state. We include all of them in your closing cost estimate, and our closing cost calculator breaks them down.
Why Choose On Mortgage as Your Florida Mortgage Broker?
As Florida home prices keep rising, a knowledgeable and experienced mortgage broker matters more than ever. On Mortgage offers personal service and a wide range of mortgage options to fit your finances, and we work with a broad network of lenders to bring you competitive rates whether you are buying, refinancing or investing anywhere in Florida.
Every major program
Conventional, FHA, VA, jumbo, zero-down options and refinancing, shopped across our lender network.
Files banks turn away
Bank statement loans for the self-employed, DSCR loans for investors, foreign national programs and portfolio loans for condos that do not fit agency rules.
Florida-specific planning
Insurance, flood, condo reviews, homestead and Florida’s closing taxes built into your numbers from the first quote, so there are no surprises at the closing table.
Licensed Mortgage Brokers Serving All of Florida
On Mortgage is a fully licensed Florida mortgage broker, and that license is your protection.
When you work with licensed mortgage brokers in Florida, you are working with professionals held to state standards, with the required education and bonding, and verifiable through the Nationwide Multistate Licensing System (NMLS). On Mortgage is a licensed Florida mortgage broker serving buyers and homeowners in every corner of the state, from the coasts to Central Florida. Unlike a single bank, our Florida mortgage brokers shop a wide network of lenders for you, which means more loan programs, more competitive rates and a better chance of approval when your situation is not cookie-cutter.
Looking specifically for help with a home loan? See our dedicated home loan broker services. We also serve local markets statewide, including Fort Lauderdale, Orlando, Tampa, Jacksonville and West Palm Beach.
Finding the Best Mortgage Lenders in Florida
The best mortgage lenders in Florida are not always the biggest names, and a broker is how you find them.
Ask ten Florida homeowners who the best mortgage lenders in Florida are and you will get ten different answers, because the right lender depends entirely on the loan. A first-time buyer with a modest down payment, a self-employed borrower, a jumbo buyer in Miami and a retiree refinancing in Tampa are each best served by a different lender. That is exactly why working with a broker beats guessing. Instead of applying to one of the top mortgage lenders in Florida and hoping it fits, we compare dozens at once and bring you the one with the best terms for your scenario.
As your Florida mortgage broker, On Mortgage does the comparison shopping for you. We weigh rate, fees, turn times and program guidelines across our full lender network, then present your strongest options side by side. You get the buying power of the top mortgage lenders in Florida without chasing them one at a time, and without your credit taking multiple hits. It is the simplest way to be confident you are getting a genuinely competitive Florida mortgage rate. See today’s numbers on our Florida mortgage rates page.
Explore Florida’s Real Estate Markets with On Mortgage
Whether you are buying in Miami, Tampa, Orlando or Jacksonville, On Mortgage is your partner for navigating Florida’s housing market. Every city below has its own local guide, or call us to talk about anywhere else in the state.
Miami-Dade
Miami · Miami Beach · Hialeah · West Hialeah · Doral · Kendall · Homestead
Broward
Fort Lauderdale · Hollywood · Pembroke Pines · Miramar · Coral Springs · Davie · Plantation · Sunrise · Weston · Parkland · Pompano Beach · Deerfield Beach · Hallandale Beach · Lauderdale Lakes
Palm Beach
Treasure Coast
Tampa Bay
Central Florida
Southwest Florida
Northeast Florida
North Florida
See all six guides for each city on our areas we serve page.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“Caroline Da Silva from Miami Mortgage Brokers just got us approved for our first mortgage, and we would definitely work with her again after this experience! From the moment our broker connected us with Caroline, she was always several steps ahead throughout the process. We were impressed that Miami Mortgage Brokers had us clear to close a week early,...”
“Chris was outstanding throughout the entire transaction! Always accessible and was able to provide the best financing option when others could not! I would highly recommend him and hope to do more transactions with him.”
“I recently had the pleasure of working with Chris as my loan officer, and I cannot speak highly enough of his exceptional service. He guided me through every step with clarity and patience. What truly sets Chris apart is his remarkable efficiency: not only was he incredibly responsive to my inquiries, but he also expedited the loan process, resulting in the...”
Florida Mortgage Broker FAQs
What does a Florida mortgage broker do?
A Florida mortgage broker is a licensed intermediary who compares loan programs and rates across many lenders for you, rather than offering the products of a single bank, and guides your loan from application to closing. Brokers are especially useful in Florida, where insurance, condo rules and complex income often decide which lender is the right fit.
Are your mortgage brokers licensed in Florida?
Yes. On Mortgage is a licensed Florida mortgage broker registered through the NMLS, which you can verify with our license number, NMLS 1889418. Licensing means we meet state education, bonding and conduct requirements and are subject to state oversight.
Is a broker cheaper than going to a bank?
Often, yes. Because we compare many lenders, we frequently find lower rates and fees than a single bank can offer, and in most cases the lender pays our compensation, so there is no separate fee to you. Every cost is disclosed on your Loan Estimate, so you can compare offers line by line.
Which Florida cities do you serve?
All of them. From Miami, Fort Lauderdale and West Palm Beach to Tampa, Orlando, Jacksonville and beyond, our Florida mortgage brokers serve buyers statewide. Our rate finder prices any Florida ZIP code with that county’s own loan limits, property taxes and insurance.
Why is homeowners insurance so important to a Florida mortgage?
Lenders qualify you on the full monthly payment, including insurance, and Florida premiums are high and vary widely by county and by home. A late or expensive quote can change how much you can borrow. We get quotes started during your inspection period and build them into your numbers early.
What closing costs are unique to Florida?
Florida charges documentary stamp tax on the mortgage note and an intangible tax on new mortgages, both collected at closing, and title insurance premiums are set by the state. Depending on the contract, the buyer or seller may also pay doc stamps on the deed. Our closing cost estimate includes them all.
CEO Bio
Michael Schoonover was born in Kansas City, where he honed his skills on the football field, the wrestling mat and the lacrosse field during his high school years. Despite humble beginnings, Michael was the first in his family to pursue higher education, a journey that brought him to Florida. Determined to pay for his studies himself, he juggled several jobs while learning to navigate a new state.
His entry into the mortgage industry was a turning point, with roles at respected institutions including PNC Bank, EverBank, Citibank and TIAA. Along the way, Michael saw how rigid lending criteria kept deserving borrowers from getting approved. Motivated by a commitment to more inclusive homeownership, he became an entrepreneur and founded his own mortgage brokerage in 2019.
Michael believes lending should go beyond the numbers and recognize each client’s circumstances. His approach opened doors for self-employed borrowers, people with lower credit scores and buyers with modest down payments. Rejecting the one-size-fits-all approach of traditional banks, he champions personal, empathetic service that helps clients reach the goal of owning a home.
Beyond business, Michael is dedicated to community service and supports the Miami Rescue Mission, a local organization that helps people experiencing homelessness. He also finds community at St. Patrick Church, which he attends with his wife, Yanitza Schoonover, a respected attorney in Miami.
Driven by a deep sense of purpose, Michael Schoonover brings entrepreneurship, compassionate leadership and generosity to his work, striving to make homeownership a real possibility for everyone.
Get your free Florida mortgage quote
Wherever you are buying or refinancing in Florida, our licensed brokers will compare lenders, build in your county’s insurance and taxes, and guide you to the closing table.