Buying or refinancing in Florida? We compare loan options and show you what goes into your monthly payment. Shopping for a condo or a home near the coast? We start with the costs tied to that exact address.
Put in a price and see the full monthly payment, not just principal and interest. Add the insurance quote and condo dues for the home you are looking at.
Estimate only. Starting values are examples, so replace the rate, taxes and insurance with real numbers for your address. Mortgage insurance, if your loan needs it, is not included.
These numbers follow the home price you enter in the estimator above. Change the price and watch the cash needed move.
The 2026 baseline conforming loan limit for a one-unit home is $832,750, and it is higher in some high-cost counties. Buying above your county's limit? Ask about a jumbo loan.
Source: FHFA, announced November 25, 2025. VA fee rates from VA.gov, checked November 9, 2026.
A Mortgage Broker, not a bank. Quazel shops your loan across multiple wholesale lenders, so you get options instead of one bank's rate sheet.
Start pre-approvalHere is what you bring, and what we take off your plate, at every stage.
Know your price range before you shop, so your offer is taken seriously.
Your offer is accepted. Now the loan work starts and you stay in the loop.
No surprises on closing day. You see every number first.
Expect to close one week early.
These Loan Officers are licensed in Florida. Call, or pick a time that works for you.
It depends on the loan. VA loans can allow no down payment for eligible borrowers. FHA loans start as low as 3.5% down and some conventional programs start as low as 3% for those who qualify. Your Loan Officer will show you which one fits your situation.
It depends on the property. If a home sits in a high-risk flood zone and the loan is federally backed, the lender requires flood insurance. Ask the insurance agent to check the flood zone for the address before you make an offer.
Ask for the association's budget, reserves, insurance, and any pending special assessments. The condo project also has to meet the lender's guidelines, so send us the details early and we will tell you what we need.
Yes, if you are an eligible veteran, service member, or surviving spouse. See our Florida VA loan page for details.
A Mortgage Broker shops your loan across multiple wholesale lenders instead of offering one bank's rates. That means more options for you, and your Loan Officer explains the differences in plain English.
Start the online application at quazels.com/application or book a call. Either way, a Loan Officer will walk you through the next step.
Bring the listing and any insurance or HOA figures you have. We will estimate the monthly payment and cash to close. Expect to close one week early.