Standard Florida Mortgage delivers fast approvals, expert guidance, and personalized loan solutions. Conventional, FHA/VA, Reverse Mortgages, and HELOCs — all under one roof. Local Florida team. Real people. Real answers.
We've streamlined the mortgage process to get you from application to closing day as smoothly as possible. No runaround. No surprises.
Fill out our quick application. We pull your credit and verify your documents — fast, clean, and transparent.
Shop with confidence. Your pre-approval letter shows sellers you're serious and ready to close.
We monitor the market and help you lock the best rate at the right time. No guessing games.
Final sign-off, get your keys, and start your next chapter. We're with you every step of the way.
Whether you're buying your first home, upgrading, tapping into your equity, or exploring reverse mortgages — we've got a loan that fits your life.
The classic choice for buyers with solid credit and a down payment ready to go. Flexible terms, competitive rates, and no mortgage insurance required with 20% down.
Low down payment, flexible credit. Perfect for first-time buyers.
Zero down payment for veterans and active-duty service members.
Tap into your home's equity for renovations, debt consolidation, or major expenses. Only pay interest on what you use. Alex Rinehart breaks it down in this video — watch and see if a HELOC fits your goals.
Apply for HELOC →Homeowners 62+ can convert home equity into tax-free cash — no monthly mortgage payments required. Stay in your home, keep your title, and access your equity on your terms.
Getting pre-approved is the first real step toward your new home. Here's exactly what happens — and what we need from you to move fast.
Have these documents ready and your approval flies through.
Slide to adjust. See your monthly payment, including principal, interest, taxes, and insurance. No commitment — just real numbers.
Real people. Direct lines. Same-day answers. We're not a call center — we're your local team.
Real reviews from real Florida homeowners. We let our work speak for itself.
"Alex and his team made the entire process seamless. From pre-approval to closing, everything was handled professionally and quickly. I couldn't recommend Standard Florida Mortgage more highly."
"As a veteran, I was nervous about the VA loan process. Nicole walked me through every step and got me a rate I couldn't believe. Zero down, closed in 21 days. Incredible team."
"The reverse mortgage changed our retirement. We were house-rich but cash-poor, and Alex explained everything honestly — no pressure, just facts. Now we have the funds to enjoy our golden years."
Straight answers to the questions we hear most.
Once we have your credit pull and documentation (W-2s, pay stubs, bank statements, and ID), we typically issue a verified pre-approval letter within 48 hours. Having your documents ready when you apply speeds everything up significantly.
It depends on the loan type. Conventional loans typically require 620+, FHA loans accept scores from 580+, and VA loans have flexible credit requirements. We work with all credit profiles and can help you improve your score if needed. Don't assume you won't qualify — talk to us first.
It varies by loan type: Conventional loans can go as low as 3% down, FHA loans require 3.5% minimum, and VA loans offer 0% down for eligible veterans. We also have down payment assistance programs for qualifying buyers. Gift funds from family are allowed on most loan types.
A reverse mortgage (HECM) is for homeowners 62 and older. It converts your home equity into tax-free cash — with no monthly mortgage payments required. You keep the title and ownership of your home. The loan is FHA-insured and non-recourse, meaning you'll never owe more than the home's value. It's a powerful tool for retirement planning, and we'll explain it honestly with no pressure.
Pre-qualification is a quick estimate based on info you provide — no credit pull, no documentation. Pre-approval is the real deal: we verify your credit, income, and assets, and issue a commitment letter that sellers take seriously. In a competitive market, a pre-approval letter gives you a major advantage over buyers who only have pre-qualification.
Yes. We offer conventional loans for investment properties and second homes. Investment property loans typically require 15-25% down and have slightly higher rates than primary residence loans. We can also discuss DSCR loans for real estate investors who prefer to qualify based on rental income rather than personal income.
Your dream home is closer than you think. Let's make it happen — together.
Start My Application →Questions? Ready to apply? Fill out the form or reach us directly. We respond the same day — every day.