Happy Florida family meeting with a mortgage expert to explore home loan options in 2025.

Best Home Loan Programs for Florida Buyers in 2025

May 30, 2025•2 min read

Best Home Loan Programs for Florida Buyers in 2025

Buying a home in Florida can be exciting, but with so many mortgage programs available in 2025, knowing where to start can feel overwhelming. Whether you're a first-time homebuyer or looking to upgrade, the right mortgage can make all the difference.

At Lyons Mortgage Funding, we work with borrowers across Florida to find the loan that matches their goals. Let’s break down the top mortgage options available this year.

1. FHA Loans – Perfect for First-Time Buyers

FHA loans are government-backed and ideal for buyers with limited savings or lower credit scores. In Florida, many first-time buyers turn to FHA because of its flexibility:

Great For: First-time buyers in areas like Sarasota, Lakewood Ranch, and Tampa who want to get into a home with less money out of pocket.

2. Conventional Loans – Ideal for Buyers with Strong Credit

Conventional loans are the most popular mortgage option and can be used for primary homes, second homes, or investment properties. They usually require:

Great For: Buyers ready to purchase in competitive markets like Miami or Naples.

3. VA Loans – No Down Payment for Veterans

If you’re a veteran, active-duty service member, or eligible surviving spouse, VA loans offer unbeatable benefits:

Great For: Military families in Florida cities near bases, such as Tampa, Pensacola, or Jacksonville.

4. USDA Loans – Rural Florida Homes Made Affordable

USDA loans help buyers purchase homes in eligible rural areas. With no down payment and reduced mortgage insurance, they’re a powerful tool for budget-conscious buyers.

Great For: Homebuyers in rural parts of Florida like Brooksville, Sebring, or parts of Manatee County.

5. Bank Statement Loans – For Self-Employed Borrowers

Self-employed and don’t have W-2s? Bank statement loans let you qualify based on your income deposits, not tax returns.

Great For: Florida entrepreneurs, contractors, and small business owners looking to buy or refinance.

Which Loan Is Right for You?

The right mortgage depends on your financial goals, employment, location, and future plans. At Lyons Mortgage Funding, we guide you through every option so you feel confident from pre-approval to closing.

Let’s Find Your Florida Mortgage Solution

Whether you’re buying in Naples, Sarasota, Tampa, or anywhere in Florida, we’re here to help you choose the program that fits you best.

Contact us today to get pre-approved or schedule a consultation. We make the mortgage process simple, transparent, and tailored to your needs.

Disclosure: This post is for informational purposes only and does not constitute a loan approval or financial advice. Eligibility for any mortgage program depends on individual borrower qualifications and lender guidelines.

Tim Lyons is a licensed mortgage loan originator in Florida and Ohio.

Tim Lyons

Tim Lyons is a licensed mortgage loan originator in Florida and Ohio.