Buy a Home in Florida — Personal Service from Contract to Close
Whether it's your first home or your fifth, Homesite Mortgage has helped Florida families finance their next move since 1999. Tom Culpepper reviews every prequal personally and follows up within 1 business hour — no call centers, no handoffs to juniors.
Privately Funded, Agency-Backed
A conventional loan is a mortgage that is not insured by the FHA or guaranteed by the VA or USDA. Most conventional loans conform to underwriting standards set by Fannie Mae and Freddie Mac — the two government-sponsored enterprises that provide liquidity to the U.S. mortgage market.
Conventional loans set their own underwriting standards (within agency guidelines), which means lenders have some flexibility in how they evaluate borrowers — and qualified buyers often see strong terms.
Two Categories of Conventional Loan
Conforming Loans
Loans that fall within the maximum size limits set annually by Fannie Mae and Freddie Mac. The limits depend on the county and update each year. Most Florida home purchases fall within conforming limits.
Jumbo Loans
Loans above the conforming limit. Jumbo loans have their own underwriting standards and typically require stronger credit and reserves. Tom walks you through what applies if your purchase falls into jumbo territory.
Conventional vs. FHA — A Quick Comparison
Conventional and FHA loans solve overlapping but different problems. The right answer depends on your credit, down payment, and goals. A few general considerations:
- Stronger credit borrowers often see better terms with conventional than FHA.
- Lower down payment options exist on both. Tom will help you compare program-by-program for your situation.
- Mortgage insurance rules differ. Conventional PMI typically drops off at a certain equity threshold; FHA insurance often does not. This is worth understanding before you choose a program.
- Property condition standards are usually more relaxed on conventional than on FHA.
Family-Owned, Florida-Only, 27+ Years In
- 27+ years originating conventional loans in Florida.
- Licensed statewide. Homesite Mortgage originates loans in Florida only.
- Tom reviews your prequal personally and runs the math honestly.
- Tracy handles processing and closing — same name, start to finish.
See What a Conventional Loan Would Look Like for You
Tom reviews every submission personally and typically follows up within 1 business hour.
Start My Free Prequal →Or call us directly: 321-751-4403 · tcloans1@gmail.com