Most relocations have more moving parts than people expect - selling the old home, buying the new one, and timing the two. We build the financing around it.
Moving to Florida usually means selling one home, buying another and financing the gap in between - often within a 60–90 day window.
FundFL starts with the financing: Nick Grisanti, a licensed Mortgage Loan Originator at C2 Financial, structures the loan around your timeline. Help buying or selling in Florida is also available on a referral basis (Nick is a Florida Broker Associate with LOKATION Real Estate).
What's Covered
Most relocators need all three. Doing them in the right order can save time and money.
Bridge loans, concurrent-ownership qualification, asset-based jumbo for retirees, bank-statement loans for self-employed, foreign national if from outside the US. We size the right structure for the timing.
Browse loan options →Once Florida is home, you'll file for homestead and update the paperwork that makes it your primary residence.
Learn more →Sell first, buy second, or both at once? Bridge or HELOC vs. concurrent qualification? Closing dates that don't blow up either side. The order matters.
Read the relocation guide →Common Scenarios
Every relocation is different, but most fall into one of a few common patterns.
Selling a paid-off home or apartment in NY/NJ. Looking at Naples, Sarasota, or coastal FL. Asset-based qualification can work when W-2 income is low. Proceeds from the sale can fund the down payment. File for homestead once Florida is home.
New role at a Florida company (or remote-work-friendly arrangement). Under 60 days from offer to start date. Need to qualify on existing income while still selling current home. Concurrent ownership math, sometimes a bridge loan.
Own the FL property part-time; selling the northern home and making the FL home primary. Review whether refinancing into a primary-residence loan makes sense. File homestead once Florida is your permanent home.
Tax returns show low net income; bank deposits tell the real story. Bank-statement loan qualifies on actual cash flow.
Buyer from outside the US establishing a Florida residence. Foreign national lending if no US credit history.
Coming from CA, NY, NJ, IL, or similar, often with a home to sell first.
Florida looks different on paper than in practice. The four things almost every relocator gets surprised by:
Florida homeowners insurance runs well above the national average. In coastal counties it can be much higher. Your monthly housing cost is meaningfully different than back home - and insurance is built into how much loan you qualify for. Always get the quote before offering.
The seller's tax bill is on their old assessed value (capped by Save Our Homes). Yours resets to current market value the year after closing. On a property that's been held a long time, this can be 30–50% higher than what the seller was paying. It compounds with insurance into a meaningful monthly increase from estimates.
Many Florida communities have $200–$700+ monthly HOA fees. Condo lending changed dramatically post-Surfside - older buildings often need warrantability work or non-warrantable financing. The cheapest-looking unit can be the most expensive to finance.
Insurance, prep, evacuation, post-storm repairs. Every Florida homeowner deals with this. Roof age, wind mitigation, impact glass, flood-zone status - they all affect your insurance and what lenders will fund. Build the realistic cost into your underwriting.
Read Up
The detailed guides and tools that go deeper on each piece of the move.
Sequencing the sale and purchase, bridge financing, and the residency basics.
No state income tax, homestead basics, and the Florida costs to plan for.
Why insurance costs what it does, and how it impacts mortgage qualification.
Up to $50K off assessed value, plus the Save Our Homes cap. File by March 1 the year after you close.
Common for higher-end relocators - qualifying on assets when income looks light during the move year.
Use existing-home equity to fund the FL down payment. Bridge structures for the timing gap.
Realistic Florida costs included - what the FL insurance + tax adjustment does to your max purchase.
A short call is usually enough to walk through your situation and tell you what the realistic timeline, financing path, and Florida cost picture looks like.