Florida
Home Loans

I’m purchasing
a home.

First-time buyer? Downsizing? Dreamsizing? We'll help you get home.

I’m refinancing
my home.

Is a better opportunity knocking? We're here to answer.

Apply With Florida Home Loan Experts

Select a Loan Officer to Begin the Process

Bart Swan Branch Manager, NMLS #: 351744
Greensburg, PA
Ben Dunham NMLS #: 1089433
Homewood, AL
Brian Hanchey NMLS #: 116522
Baton Rouge, LA
Charlotte Guidroz NMLS #: 91249
Baton Rouge, LA
Chase Brooks NMLS #: 1898105
Roswell, GA
Chuck Coghlan NMLS #: 79715
Baton Rouge, LA
Damian Cook Branch Manager, NMLS #: 203938
Atlanta, GA
Elise Daniel NMLS #: 198749
Baton Rouge, LA
Eric Kelly Branch Manager, NMLS #: 78396
Birmingham, AL
Geoff Smith NMLS #: 1043587
Roswell, GA
Hanna Jeansonne NMLS #: 1111173
Baton Rouge, LA
Ivy Eilerman Branch Manager, NMLS #: 665216
Springfield, GA
Jeff Meares NMLS #: 1890497
Baton Rouge, LA
Jessica Rumfellow NMLS #: 1752788
Baton Rouge, LA
John Burde Branch Manager, NMLS #: 366190
Seekonk, MA
Julie Black NMLS #: 232023
Mansfield, TX
Katelyn Hodges NMLS #: 977169
Baton Rouge, LA
Keri Butler NMLS #: 1025479
Huntsville, AL
Kim Ghanem Branch Manager, NMLS #: 191143
Austin, TX
Kim Hamlin Branch Manager, NMLS #: 1502078
Warner Robins, GA
Lauren Tylock NMLS #: 616874
Lafayette, LA
Lori Harris Branch Manager, NMLS #: 190332
Montgomery, AL
Lynn Sharer NMLS #: 80968
Baton Rouge, LA
Matthew Dailey NMLS #: 1485560
Columbia, SC
Matthew Green NMLS #: 205689
Huntsville, AL
Micah Garrett NMLS #: 201883
Troy, AL
Michael Landers Branch Manager, NMLS #: 217124
Austin, TX
Mike Vaughn NMLS #: 2626519
Troy, AL
Ransom Kelly NMLS #: 990772
Homewood, AL
Renee Crochet Carughi NMLS #: 1139859
Baton Rouge, LA
Rob Stewart Branch Manager, NMLS #: 1693716
Lafayette, LA
Rutherford Yeates NMLS #: 2096232
Birmingham, AL
Sara Pollock Dickson NMLS #: 1994727
Baton Rouge, LA
Tom Smith NMLS #: 2644903
Troy, AL
Toni Freeman NMLS #: 104765
Baton Rouge, LA
Van Bush NMLS #: 78474
Baton Rouge, LA
William Commons NMLS #: 79745
Baton Rouge, LA
Willie Tucker Branch Manager, NMLS #: 174340
Huntsville, AL

Find a Home Loan Expert in Florida

Real Reviews from Real Homeowners

Sean Edward

11/06/2026

"Great experience"
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for Loan Officer

Keri Butler
Nicholas

11/06/2026

"He was informative and very knowledgeable. We highly recommend"
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for Loan Officer

Brandon Tingle
Jeanne

11/06/2026

"Lisa id a super star! My clients adore her for her experience, knowledge, understanding, and kindness."
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for Loan Officer

Lisa Chauvin
Mandy

11/06/2026

"I really appreciate Grant's ability to deliver on promises. I was the listing agent in the transaction. He helped get the closing to the table in 4 weeks. It was a house, plus land. AND the buyer had to change from conventional to FHA. He was a champ!"
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for Loan Officer

Grant Oliver
Douglas

11/06/2026

"Very good service"
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for Loan Officer

Joel Holmes
Canisius

11/06/2026

"Michael is amazing, I've been with him for almost 10 years and won't use anyine else."
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for Loan Officer

Michael Landers
Kirenia Gonzalez

11/06/2026

"Jennifer is a pleasure to work with. Her work ethics are outstanding. She made this process very easy for us!"
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for Loan Officer

Jennifer Hebert
Wendy Karina

11/05/2026

"Mr. Ransom Kelly managed our loan process efficiently and kept us informed at every step. He communicated clearly, demonstrated excellent expertise, and provided the external contacts we needed. We’re very pleased with his professionalism."
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for Loan Officer

Ransom Kelly
Braxton

11/05/2026

"Timely, resposive, excellent working with both parties and their clients to provide a smooth closing."
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for Loan Officer

Rutherford Yeates
Aaron

11/05/2026

"My loan officer, Lisa is what made the process so great! The loan process can be stressful, but her communication and willingness to answer my many questions 24/7 gave me true peace of mind. Look forward to working with her more in the future. Thank you, Lisa!"
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for Loan Officer

Lisa Chauvin
Ronda

11/05/2026

"PJ did a phenomenal job at communicating through each step of the process and at working hard to help us secure financing. He is a professional in every way!"
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for Loan Officer

PJ Tavernit
Robert

11/05/2026

"Awesome follow up"
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for Loan Officer

Damian Cook
Dawn

11/05/2026

"Kim Hamlin was wonderful to work with! She was very patient and explained each step to me because this was my first mortgage. She NEVER made me feel like any question I had was ridiculous. I so appreciated her kindness and professionalism. This was a very pleasant experience!"
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for Loan Officer

Kim Hamlin
Steven

11/05/2026

"He was very good at communicating and answering any and all questions. I would highly recommend him."
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for Loan Officer

Joel Holmes
Sherry

11/05/2026

"Rocky explains every step of the process to the client, he gains their trust and they can be confident with no worries. He goes above and beyond to make sure there won't be any problems when you get to the closing table. It's all smiles on closing day!"
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for Loan Officer

Rocky Maddox
Gustavo Javier

11/04/2026

"Michelle was available on weekends to answer my needs."
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for Loan Officer

Michele Rodgers
David Clay

11/04/2026

"Communication was great and Ashley went above and beyond to anwer all my questions."
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for Loan Officer

Ashley Bogus
Jordan Ray

11/04/2026

"Communication was great, no surprises, everything was explained well."
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for Loan Officer

Rob Stewart
Carter

11/04/2026

"Michele was incredibly helpful throughout the whole process and provided amazing support. As a first time home buyer it can be very overwhelming at times with all the moving parts in buying a home but Michele made it so much easier. I was also super grateful for Michele’s support in showing up for the closing and continuously reaching out to see if I needed anything."
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for Loan Officer

Michele Rodgers
Stephanie

11/04/2026

"Ashley went above and beyond with my client."
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for Loan Officer

Ashley Bogus
Reeves

11/04/2026

"Ashley does an incredible job serving every client in whatever ways that she can. She is always willing to think outside the box when things get tricky. I highly recommend her as your lender on your next home loan!"
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for Loan Officer

Ashley Kutz
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Get Started With Your Home Loan

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Get pre-qualified for a mortgage

Getting pre-qualified doesn’t affect your credit score. Plus it shows the seller you’re a serious buyer.

Call 1-866-790-7980

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Get a free rate quote

Get a free personalized rate quotein minutes with the help of our mortgage experts.

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See how much house you can afford

Estimate your home buying budget before you fall in love.

Calculate your payment

Finding a home in Florida can be hard. We make finding the right loan type easy.

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Simple Application

Click a few buttons, and complete your application in as little as 15 minutes!

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Helpful Loan Officers

Incredibly friendly people who put the happy in home buying.

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On-Time Closings

We'll get you through your front door on schedule.

Refinancing? Let's talk about your options.

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Cash-Out

Make the most out of your equity for home improvements, tuition, or your latest dreams.

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Interest Rate

Have you compared your current rate to ours lately? No harm in asking.

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Loan Term

Lower payments or fewer years? Match your loan with your goals.

Build your dream home with experts guiding you through every step.

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Custom Financing Options

We’ll find the best construction loan program to fit your needs.

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Flexible Draw Schedules

We work with your contractor to ensure your project stays on track.

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Competitive Rates

Set your build budget with a free personalized rate quote now.

Downloadable Guides

Resources

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

PhoneApplication

Our easy online application walks you through every step.

Apply online anytime, anywhere (even from your phone!) Plus, our helpful Loan Officers are always a phone call away if you need help.

Start Your Application

Connect with a Florida loan officer

Get your free rate quote

Florida Home Loans

Greetings from Assurance Financial, your source for home loans. Our expert team of loan advisers helps you find mortgage options that suit your situation. We’re located in Florida, giving you the personalized service you need for homebuying in this state.

When you work with us for home loans, you can purchase a home in this sunny, warm locale and receive personalized assistance throughout the full process.

We are an independent lender offering options for everyone. Whether you’re a first-time buyer or someone seeking a vacation property, we will find the right solution with a range of down payments and rates.

Where We Operate

We have a Niceville, Florida, location to serve you. Our local presence provides more convenient service and knowledge of the local market, enhancing your buying experience.

Secure the Ideal Home Loan in Florida

Every homebuyer is different. You may be ready to buy your first home. We have flexible mortgages to suit you. Our mortgage options also serve veterans, those building their dream home, and even property investors.

Experienced Home Buyers

Those with good credit, savings for a down payment, and a history of home buying can often acquire conventional loans at great rates.

New Buyers

Buy your starter home with our down payment assistance (DPA) loan. This funding meets your financial needs as a first-time buyer.

Affordable Housing Seekers

Federal Housing Administration (FHA) mortgages are available for those who need alternatives to traditional financing. They offer more flexible guidelines and a lower down payment.

Builders or Remodelers

If you want to buy a fixer-upper, get a loan to repair it with remodel loans. We also provide construction loans for those seeking to start from scratch.

Veterans

Gain a mortgage guaranteed by the U.S. Department of Veterans Affairs. At Assurance Financial, we’re honored to help with approval for this loan.

Nontraditional Buyers

Certain situations fall outside the scope of traditional loans, but we still supply options. Our nonqualified mortgage options suit buyers like self-employed business owners or those buying nonwarrantable condo projects.

Large Property Buyers

Whether you’re considering your dream vacation home on the water or an investment property, we can help you secure a jumbo loan to enable your purchase.

Rural or Suburban Buyers

The U.S. Department of Agriculture (USDA) provides a path to ownership in rural or suburban areas through a rural development loan, giving benefits like no down payment and a fixed rate.

Current Homeowners

If you own a home but want funds for other purposes, turn to us for a home equity loan or line of credit. You can use your home value for everything from debt payments to retirement funding.

Build Your Dream With Us

Many dream of homeownership. As a Florida mortgage lender, we’re here to help make that dream a reality. We’re the People People, offering personalized service throughout every stage of the loan process. Our full-service in-house team saves you time and gives you trusted experts who care about serving your interests.

Beyond our dedication to service, we add convenience through technology options, such as streamlined online application processes. Our website also includes financial tools like mortgage calculators to give you the resources for informed decision-making.

Apply for Prequalification Today

You can get prequalified for a loan online in as little as 15 minutes. Start the process today.

Ready to Get Started?

You’ve come to the right place. We’re ready to give you a
first-class experience in applying for a home loan.