Florida Mortgage Loans
Conventional, FHA, VA, jumbo, HELOC and investor financing for Florida borrowers — shopped across a wholesale lender network instead of a single bank’s shelf.
Mortgage Lending in Florida
Andrew Baker is a licensed mortgage loan originator serving Florida through West Capital Lending, Inc. As a broker rather than a bank, your loan is shopped across a wholesale lender network — so Florida borrowers are matched to the program and pricing that fit, not to one institution’s product shelf.
Loan Programs Available in Florida
Conventional Loans
As little as 3% down, with mortgage insurance that drops off at 80% LTV.
FHA Loans
3.5% down at a 580 score, with more forgiving credit guidelines.
VA Loans
$0 down and no monthly mortgage insurance for eligible service members and veterans.
Jumbo Loans
Financing above the conforming limit, shopped across wholesale lenders.
HELOC & Home Equity
Access equity without disturbing your existing first mortgage.
HEI / HEA
Tap equity with no monthly payment and no interest.
Reverse Mortgages
For homeowners 62 and older, with no required monthly mortgage payment.
DSCR Investor Loans
Qualify on the property’s rental income instead of your personal income.
Bank Statement Loans
Qualify on 12 or 24 months of deposits instead of tax returns.
Cities We Serve in Florida
Licensing & Disclosure
Florida Mortgage Questions
Is Baker Lending licensed to lend in Florida?
Yes. Andrew Baker, NMLS 2688601, originates in Florida through West Capital Lending, Inc., NMLS 1566096. Florida is one of 33 licensed states — 28 where the full range of loan types is available and 5 limited to investment property loans. Florida borrowers have access to the full program set.
What loan programs are available in Florida?
Conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse mortgages, DSCR investor loans, and bank statement loans are all available in Florida. As a broker with 175+ wholesale lender relationships, Baker Lending can place a file in Florida with whichever lender's guidelines fit the borrower.
What is the conforming loan limit in Florida for 2026?
The 2026 baseline conforming limit is $832,750 for a one-unit property in most Florida counties. Designated high-cost counties run higher, up to a ceiling of $1,249,125. Amounts above your county's limit are financed as jumbo loans. FHA limits in Florida start at a floor of $541,287 and vary by county.
Which Florida cities do you serve?
Baker Lending serves borrowers statewide in Florida, with dedicated pages for Cape Coral, Fort Lauderdale, Jacksonville, Miami, Orlando, St. Petersburg, Tallahassee, Tampa. Because the process runs by phone, e-sign, and secure upload, location inside the state is not a limitation — any Florida property address can be financed under the same licensing.
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