Expert guides on Florida conventional loans — written by Joe Pistone, Originating Branch Manager at CrossCountry Mortgage (NMLS# 2087918). Joe offers Florida's only 15% down, no-PMI conventional program and closes loans across all 67 Florida counties.
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In-depth, no-fluff guides on qualifying, saving money, and choosing the right conventional loan program in Florida.
The industry standard requires 20% down to avoid PMI. Joe offers 15% down with zero PMI — saving Florida buyers $22,500+ upfront on a $450K home and eliminating hundreds per month in insurance payments. Here's exactly how it works.
Read the Full GuideEverything you need to qualify for a conventional loan in Florida — minimum 620 credit score, 43–45% DTI limit, 5% standard down payment, income documentation, condo warrantability rules, and the $548,250 conforming limit for most FL counties.
Read the Full GuideSide-by-side comparison of every factor — credit scores, down payments, mortgage insurance costs, and real dollar examples on a $400K Florida home. Includes a 6-step decision framework and why Joe's 15% no-PMI conventional beats FHA for qualified buyers.
Read the Full GuideFind out in minutes if you qualify. Start with a free eligibility check — no credit pull, no commitment — or submit your official application and start the 60-Second Guarantee clock.
⏱️ 60-Second Guarantee: Apply now and Joe personally calls you within 60 seconds — or $500 off your closing costs. Valid Mon–Sat 8am–8pm ET. Apply Now →