Florida Mortgage Company
Purchase and refinance loans in every Florida county, guided from application to close by a licensed Florida loan officer — not a call-center queue.
Riverbank Finance LLC is a locally owned Florida mortgage broker — not a bank branch or an out-of-state call center. We shop your loan across our network of wholesale lenders to find competitive Florida mortgage rates, and because we broker rather than lend directly, zero lender fee options are available on many of our loan programs.
Every Florida loan is handled by a licensed, NMLS-registered loan officer from application through closing, working with local title companies and real estate agents in your county. Whether you're buying your first home, moving up, or refinancing an existing mortgage, we'll walk you through which Florida loan programs actually fit your numbers — not just the one with the best rate on paper.
Get Your Free Mortgage Quote
Answer a few quick questions and a licensed Michigan loan officer will follow up with your personalized quote — no obligation.
By clicking “Submit”, you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.
Florida Loan Programs
We originate the full range of purchase and refinance products available in Florida, including low-down-payment and zero-down options for buyers who qualify.
Conventional
As little as 3% down for well-qualified Florida buyers.
FHA
3.5% down and flexible credit requirements statewide.
Purchase
Pre-approval in minutes so you can shop with confidence.
USDA Rural
Zero down payment in eligible rural & suburban areas.
Jumbo
Financing above the conventional loan limit.
Refinance
Lower your rate or payment, or take cash out of equity.
First-Time Buyer
Down payment assistance programs for Florida buyers.
VA Loan
Zero down for veterans and active military.
Find Your County
Rates, closing costs, and available down-payment programs can vary by county — select yours below for local details.
Common Questions About Florida Mortgages
How fast can I close on a Florida mortgage?
Most purchase loans close in 21–30 days from a fully executed contract; refinances typically run 21–35 days depending on appraisal scheduling. Timelines vary by loan program and county recording office.
Do you lend in every Florida county?
Yes. We work with title companies and appraisers across the entire state, from major metro counties to rural areas eligible for USDA financing.
What credit score do I need?
It depends on the program — FHA loans allow scores as low as 580, conventional loans typically start around 620. A loan officer can tell you which programs you qualify for today, and what would open up more options.
Are there really no lender fees?
On most of our loan programs, yes — we don't charge origination or underwriting fees to the borrower. Third-party costs (appraisal, title, recording) still apply and will be itemized in your Loan Estimate.
Get your free Florida rate quote
Apply online today or call a licensed loan officer now at 800-555-2098 to get started.
Apply Now 800-555-2098