AN Lending is a Tampa-based mortgage brokerage helping buyers and homeowners across Florida finance with clarity — from the Gulf Coast to the Atlantic. As a licensed mortgage broker rather than a single lender, we compare loan options from multiple wholesale lenders and work to match each borrower with a program that fits their situation, instead of fitting you into one bank's box.
Florida brings its own considerations to a home purchase. The state has no personal income tax, which shapes how many buyers budget; homeowners insurance — and, near the coast, flood or windstorm coverage — can be a meaningful part of the monthly payment; and a steady stream of relocating families and investors keeps many metros competitive. We walk you through how these factors may affect what you can comfortably afford, as education rather than a quote.
Serving buyers across Florida
- Tampa
- Miami
- Orlando
- Jacksonville
- St. Petersburg
- Fort Lauderdale
Loan options in Florida
Across Florida we help with conventional, FHA, VA, and jumbo financing for primary and second homes, plus DSCR and fix-and-flip options for investment properties. Conforming loan limits are set annually and vary by county, so the threshold in a metro like Miami-Dade may differ from a smaller county — a licensed loan officer can confirm the current limit for where you are buying.
Frequently asked questions
- Do you serve all of Florida?
- Yes. We are based in Tampa and work with buyers and homeowners statewide, including the Tampa Bay area, Miami, Orlando, Jacksonville, and smaller markets in between. Most of the process can be handled by phone, email, and secure document upload.
- Are you a lender or a mortgage broker?
- AN Lending is a licensed mortgage broker. Rather than lending our own money, we compare programs from multiple wholesale lenders and work to match you with one that fits — which can mean more options than working with a single bank.
- What loan types are available in Florida?
- Conventional, FHA, VA, and jumbo loans for primary and second homes, plus DSCR and fix-and-flip programs for investors. The right fit depends on your goals, credit, and the property; a licensed loan officer can review your situation with you.
- How do Florida property taxes and insurance affect my payment?
- Florida has no state income tax, but property taxes and homeowners insurance — including flood or windstorm coverage in some areas — are part of your monthly housing cost. Our calculator lets you estimate these so there are fewer surprises; actual figures depend on the property and your insurance provider.
Buying or refinancing in Florida?
Estimate your monthly payment in seconds, or start a real pre-approval with AN Lending.