Mortgage loans in Florida
Justin Mackler is licensed to originate home loans in Florida. Here is how a Florida loan works with him, which programs are available, and a few state rules worth knowing.
How a Florida loan works with Justin
- Talk it through by phone, in person in Boca Raton, or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Florida title or closing professional handle the appraisal and title work.
- Florida closings are usually handled by a title company or a closing attorney.
Local office in Boca Raton
Justin works from the United Direct Lending office in Boca Raton. Contact Justin to meet in person or set up a call.
Local mortgage guides for South Florida cities:
- Boca Raton mortgages
- Delray Beach mortgages
- Deerfield Beach mortgages
- Boynton Beach mortgages
- Parkland mortgages
- Coral Springs mortgages
- Pompano Beach mortgages
- Fort Lauderdale mortgages
- West Palm Beach mortgages
- Miami mortgages
Loan programs available in Florida
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
Florida Housing offers first mortgage and down payment assistance programs, including the Hometown Heroes program, through participating lenders; availability depends on funding cycles and is subject to eligibility. Florida Housing Finance Corporation
Florida details to know
- Florida documentary stamp tax is $0.70 per $100 of consideration on deeds (outside Miami-Dade County, which has its own rate) and $0.35 per $100 on notes and mortgages. Source: Florida DOR: Documentary Stamp Tax
- Florida also charges a nonrecurring intangible tax of 2 mills (0.2%) on the amount of a loan secured by Florida real property, usually paid when the mortgage is recorded. Source: Florida DOR: Nonrecurring Intangible Tax
- To claim the homestead exemption you must be a permanent Florida resident on January 1 and file with the county property appraiser by March 1. After the first year, Save Our Homes limits annual increases in the home's assessed value to 3% or the change in CPI, whichever is less. Source: Florida DOR: Save Our Homes
- Monroe County (the Florida Keys) has a 2026 one-unit conforming limit of $990,150. All other Florida counties use the $832,750 baseline. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Florida purchase or refinance and he will follow up with real options.
Florida mortgage questions
Can Justin Mackler help with a mortgage in Florida?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Florida through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Can I meet with Justin in person in Florida?
Yes. Justin's office is at 5550 Glades Rd, Suite 500, Boca Raton, FL 33431. You can also handle the whole loan by phone and online, then close with a local title company or closing attorney.
What taxes are due on a Florida mortgage at closing?
A new mortgage generally carries documentary stamp tax of $0.35 per $100 of the loan amount plus nonrecurring intangible tax of 0.2% of the loan amount. Deeds carry separate documentary stamp tax, usually $0.70 per $100 of the price outside Miami-Dade County.
When should I file for Florida's homestead exemption?
You must own and permanently reside in the home on January 1 and file with your county property appraiser by March 1 of that year. The Save Our Homes cap on assessed value increases begins the following year.
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Share your goal, price or loan amount, credit range, timeline, and your Florida property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.