Minimum Credit Score for a Florida Mortgage: What Underwriters Actually Look At (2026)

Minimum Credit Score for a Florida Mortgage: What Underwriters Actually Look At (2026)

Jorge Malo
Published on: 29/08/2026

What credit score do you need for a Florida mortgage? See FHA, VA, Conventional, DSCR & bank statement minimums from a licensed Florida broker — plus how to move a low score fast.

Loan Programs
Prestamos DSCR en la Florida

Prestamos DSCR en la Florida

Jorge Malo
Published on: 17/08/2026

Préstamos DSCR en la Florida — sin verificar ingresos personales, califica con la renta de la propiedad. Jorge Malo explica cómo invertir en bienes raíces en 2026.

Loan Programs
Earned Equity Program: A Path to Homeownership for ITIN and Work Permit Holders in Florida

Earned Equity Program: A Path to Homeownership for ITIN and Work Permit Holders in Florida

Jorge Malo
Published on: 24/07/2026

The Earned Equity Program is an FHA-based path to homeownership for ITIN holders, work permit holders, and buyers with credit challenges. 3.5% down, 580 minimum score.

First Time Buyers
VA Loans in Florida

VA Loans in Florida

Jorge Malo
Published on: 24/06/2026

VA loans in Florida, $0 down, no PMI, and no hard minimum credit score. Jorge Malo explains how veterans and active duty military can buy or refinance a home in Florida using their VA benefit in 2026.

Loan Programs