Make Florida Your Home — Next Wave Mortgage
  • Loan Options

    Buy a home

    FHA Loan3.5% down, 580+ credit — the first-time buyer favoriteConventional LoanAs little as 3% down with removable mortgage insuranceVA Loan$0 down and no mortgage insurance for veteransUSDA Loan0% down in eligible rural and suburban areasManufactured Home LoanFinance a manufactured or mobile home with land

    Invest in Florida

    DSCR LoanFor investors — qualify on rental income, no tax returnsForeign National LoanBuy in Florida without U.S. credit or residency

    Use your equity

    HELOCTap your home equity without refinancing
    View all loan options →Not sure which loan fits? Check your eligibility →
  • Calculators
    Home Affordability CalculatorSee what price fits your income and monthly budgetDSCR Loan CalculatorCheck if a rental qualifies, with taxes for all 67 countiesVA Disability Tax SavingsEstimate your Florida property tax exemption by ratingDown Payment Assistance CalculatorMatch state and county programs to your purchase
    View all calculators →Ready for real numbers? Check your eligibility →
  • First-Time Buyers
  • Hometown Heroes
  • Rates
Get Pre-Approved
    • Buy a home

      • FHA Loan3.5% down, 580+ credit — the first-time buyer favorite
      • Conventional LoanAs little as 3% down with removable mortgage insurance
      • VA Loan$0 down and no mortgage insurance for veterans
      • USDA Loan0% down in eligible rural and suburban areas
      • Manufactured Home LoanFinance a manufactured or mobile home with land
    • Invest in Florida

      • DSCR LoanFor investors — qualify on rental income, no tax returns
      • Foreign National LoanBuy in Florida without U.S. credit or residency
    • Use your equity

      • HELOCTap your home equity without refinancing
    • Not sure which loan fits? Check your eligibility →
    • View all loan options →
      • Home Affordability CalculatorSee what price fits your income and monthly budget
      • DSCR Loan CalculatorCheck if a rental qualifies, with taxes for all 67 counties
      • VA Disability Tax SavingsEstimate your Florida property tax exemption by rating
      • Down Payment Assistance CalculatorMatch state and county programs to your purchase
    • Ready for real numbers? Check your eligibility →
    • View all calculators →
  • First-Time Buyers
  • Hometown Heroes
  • Rates
Get Pre-Approved

Florida mortgage tools

Mortgage Calculators

Estimate affordability, compare assistance options, and get closer to a realistic Florida homebuying plan.

Popular

Florida Home Affordability Calculator

Estimate your max home price, monthly payment, and Florida-specific cost breakdown.

Open calculator
Investors

Florida DSCR Loan Calculator

See whether a rental property qualifies on its income, with property taxes for all 67 Florida counties.

Open calculator
Veterans

Florida VA Disability Tax Savings Calculator

Estimate what Florida's disabled veteran property tax exemptions are worth on a home, by rating and county.

Open calculator
First-Time Buyers

Florida Down Payment Assistance Calculator

Find DPA programs that may match your county, buyer profile, income, purchase price, and loan type.

Open calculator
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Next Wave Mortgage, LLC

NMLS ID 2536820

2430 E Commercial Blvd #3, Fort Lauderdale, FL 33308

hello@makefloridayourhome.com

617-529-9317

Resources

  • Mortgage Rates
  • Affordability Calculator
  • DPA Calculator
  • Mortgage Articles
  • Books by Phil Ganz

Company

  • Fort Lauderdale Mortgage Broker
  • Our Team
  • About Us
  • Contact Us

Legal

  • Privacy Policy
  • Terms of Service
  • Licenses

Next Wave Mortgage, LLC is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency.

Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old. Monthly reverse mortgage advances may affect eligibility for some other programs.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Complaints may be directed to: hello@nextwavemortgage.com. For licensing information, please visit nmlsconsumeraccess.org

© 2026 Next Wave Mortgage, LLC. All Rights Reserved.