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Florida Mortgages.

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— 30-Yr Avg. Rate
30-Yr Fixed —
15-Yr Fixed —
5/1 ARM —
Rates: national averages via FRED® · Subject to credit approval

The Broker Difference

Why Work With a Loan Originator
Instead of Your Bank?

Most Florida buyers go to their bank first - and leave thousands on the table. As your loan originator through C2 Financial, I give you access to a wholesale market your bank will never show you.

Nick Grisanti
Nick Grisanti
Mortgage Loan Originator  |  NMLS #2719729
C2 Financial  |  NMLS #135622
Contact Nick Directly
Going Direct to a Bank
One bank. One rate. Take it or leave it.
✕ Only their own products - no shopping around on your behalf
✕ Retail pricing - lenders charge more when you go direct
✕ The loan officer works for the bank - not for you
✕ Denied? Start over with a new lender from scratch
✕ Call centers, long hold times, no single point of contact
Working With Nick · C2 Financial
100+ lenders competing for your loan.
✓ I shop 100+ wholesale lenders to find your best rate and terms
✓ Wholesale pricing - often significantly lower than retail rates
✓ I work for you - my job is to get you the best deal possible
✓ One application, many options - more chances to get approved
✓ Direct line to me throughout the entire process - start to close
Get My Free Rate Options →
NMLS #2719729 · C2 Financial NMLS #135622 · Equal Housing Lender

Mortgage 101

The Key Concepts —
In Plain English

Before you apply, it helps to know what the lender is looking at. Here's what actually moves the needle on your rate and approval.

01
Down Payment
How Much Cash Do You Bring?

Your down payment is the upfront cash you put toward the home. A larger down payment means a smaller loan, lower monthly payment, and no PMI once you hit 20%.

FHA 3.5% · Conv 3-20% · VA/USDA 0%
02
Rate vs. APR
Rate and APR Are Not the Same

Your interest rate is the base cost of borrowing. APR adds lender fees into the equation - making it a more accurate reflection of total cost. Always compare APR.

Lower APR = Lower True Cost
03
PMI
Private Mortgage Insurance

PMI protects the lender - not you - if you default. Required on conventional loans with less than 20% down. Typically 0.5-1.5% annually. Cancels at 20% equity.

Avoided with 20%+ down payment
04
DTI
Debt-to-Income Ratio

DTI is total monthly debt payments divided by gross monthly income. Most conventional loans cap DTI at 45%. The lower your DTI, the better your approval odds.

Monthly Debts ÷ Gross Monthly Income
05
Credit Score
It Directly Determines Your Rate

Moving from 680 to 740 can mean a meaningfully lower rate - real savings over the life of a loan. I'll tell you exactly where you stand and what options are available.

620+ FHA · 680+ Conv · 740+ Best Rates
06
Loan Term
15-Year vs. 30-Year

A 30-year term means lower monthly payments but significantly more total interest. A 15-year term has higher payments but a lower rate and faster equity build.

30-Yr: Lower Payment · 15-Yr: Less Interest

Payment Calculator

Estimate Your Monthly Payment

Get a ballpark number in seconds. For your actual rate across 100+ lenders, apply with Nick - it's free and won't affect your credit.

Your Loan Details ESTIMATE ONLY
$— Est. Monthly (P&I)
$— Loan Amount
$— Down Payment
$— Total Interest

Principal & interest only · Taxes and insurance extra · Not a commitment to lend · Actual rate varies based on credit, loan type, and market conditions.

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Common Questions

Answers Before You Apply

No jargon, no runaround. Here's what most borrowers want to know.

How much do I need for a down payment? +
FHA loans require as little as 3.5% down (580+ credit score). Conventional loans start at 3% for qualifying first-time buyers, with 20% eliminating PMI. VA and USDA loans require 0% down for eligible borrowers. On a $400,000 home, a 10% down payment is $40,000.
Will applying affect my credit score? +
Starting an application with me does not immediately trigger a hard credit pull. Multiple mortgage inquiries within a 45-day window are typically treated as a single inquiry by the credit bureaus, so rate shopping doesn't hurt you.
What's the difference between pre-qualification and pre-approval? +
Pre-qualification is a quick, informal estimate based on self-reported income and debt. Pre-approval is a formal process: the lender reviews your documents and credit and issues a conditional commitment. Sellers take pre-approval letters far more seriously in competitive markets.
How long does the mortgage process take? +
A typical purchase mortgage closes in 30-45 days from application to close. DSCR and investment loans can sometimes close in as few as 2-3 weeks. I stay on top of every step to avoid delays.
Can I qualify if I'm self-employed? +
Absolutely. Most conventional loans use 2 years of tax returns. If you write off significant expenses, bank statement loans may be a better fit - they use 12–24 months of deposits to determine income instead. As a broker with 100+ lenders, I have access to a wide range of programs for self-employed borrowers.
What loan types do you offer? +
Through C2 Financial's network: conventional, FHA, VA, USDA, jumbo, bank statement loans, DSCR investment loans, fix-and-flip bridge loans, and more — all available in Florida. Whether you're buying a primary home, vacation property, or investment in Florida, I have a program for your situation.

Ready When You Are

Florida's Best Mortgage Options.
Free to Shop.

No credit pull. No obligation. Just real Florida mortgage options from a loan originator who works for you, not a bank.

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