Mortgage Lender in Brevard County, FL — Areas We Serve

Often far less than you think. Eligible veterans can buy with $0 down on a VA loan, qualified first-time buyers can put 3% down on a conventional loan, and FHA requires 3.5%. On a typical $400,000 Brevard County home that’s a range of $0 to about $14,000 — not the 20% many buyers assume. See the full down-payment breakdown →

The 2026 conforming limit in Brevard County is $832,750 and the FHA single-family limit is $541,287. VA loans have no set limit for borrowers with full entitlement. Those numbers cover the vast majority of homes in every Brevard market; above them, we write jumbo. Full 2026 Brevard limits →

Yes, constantly. Kennedy Space Center, the Space Force installations, L3Harris, Northrop Grumman and Port Canaveral all bring people to the Space Coast, and we work with relocating buyers year round — including buyers moving from out of state and those with non-traditional compensation. We will tell you up front what documentation your file will need. Space Coast relocation guide →

Broad strokes: North Brevard (Titusville, Mims) is the county’s most attainable corner, at KSC’s front door. The islands (Merritt Island, Cocoa Beach) put you on the water. The beachside (Satellite Beach, Indialantic) pairs the ocean with the Patrick SFB commute. Central Brevard (Rockledge, Viera) is the commuter’s sweet spot, and the south (Melbourne, West Melbourne, Palm Bay) carries the jobs and the new construction. The right answer depends on budget and drive time — we talk through it on every pre-approval call. Compare Brevard’s best areas →

For eligible veterans and service members, almost always — $0 down at full entitlement and no monthly mortgage insurance at any down payment, in a county built around the bases the benefit was earned at. Most non-exempt borrowers pay a one-time funding fee, which can be financed. We pull most Certificates of Eligibility in minutes and underwrite VA files in-house. How to qualify for a VA loan in Florida →

Yes — rate-and-term refinances, cash-out refinances up to program limits, and VA IRRRL streamlines are all handled with in-house underwriting. We’ll show you the break-even math so you can decide with real numbers, including the case where the answer is to stay put. Explore refinance options →

Parts of Brevard outside the city limits — including areas around Mims, Scottsmoor and Canaveral Groves in the north, and rural pockets like Grant-Valkaria in the south — may fall inside USDA-eligible boundaries. Eligibility is set by the property address and by household income limits, both of which change periodically, so we check the specific address rather than assuming. Where it applies, USDA is one of the few remaining no-down-payment options for buyers who are not eligible for VA.

Insurance has become one of the biggest variables in a Florida mortgage payment, and it affects what you qualify for, because the premium counts toward your debt-to-income ratio. Roof age is often the deciding factor in both price and availability. We ask for a quote early rather than at the end, so the number in your pre-approval is the number you actually close with.

There is no single cutoff. VA and FHA guidelines are generally more flexible than conventional, and compensating factors such as reserves, job stability and a lower debt-to-income ratio can matter as much as the score itself. We look at the whole file, and if the score is the one thing standing in the way, we will tell you specifically what to work on.

Property taxes and homeowners insurance are escrowed and collected with the payment, so they are part of what you qualify for rather than a separate bill. Add mortgage insurance if the loan carries it, and any HOA dues where they apply. On a Brevard County home the taxes and insurance piece is often the difference between a payment that works and one that does not, which is why we build the full number into your pre-approval rather than quoting principal and interest alone.