--- title: "Mortgage Loans in Florida | Nate Moghadam, NMLS #906770" description: "FHA, Conventional, VA, Jumbo & Non-QM loans in Florida. Nate Moghadam (NMLS #906770) helps FL buyers in Miami, Tampa & Orlando get to closing fast." image: https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/raw_assets/public/nateloans/images/og-image.png --- [NateLoans](https://nateloans.com/?hsLang=en) [About](https://nateloans.com/#about)[Loan Types](https://nateloans.com/#loans)[Calculators](https://nateloans.com/#tools)[How It Works](https://nateloans.com/#process)[Reviews](https://nateloans.com/#reviews)[Blog](https://nateloans.com/blog?hsLang=en)[Contact](https://nateloans.com/#contact) [(617) 945-3632](tel:6179453632) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Home](https://nateloans.com/?hsLang=en)[Mortgage Loans](https://nateloans.com/#loans)Florida Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage # Mortgage Loans in Florida From the beaches of Miami to the suburbs of Tampa and Orlando, Nate Moghadam helps Florida buyers and investors get to the closing table — with every major loan program and a lender who actually picks up the phone. [Start Your Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) Licensed in Florida 10+ Years Experience 5-Star Rated Direct Access to Nate Licensed in Florida ## Your Local Mortgage Expert in Florida I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation, fully licensed in Florida. Florida's real estate market moves fast — whether you're a first-time buyer in Orlando, relocating to Tampa, or purchasing an investment property in Miami, the right lender makes all the difference. I've helped hundreds of Florida buyers navigate competitive markets, seasonal bidding wars, and diverse financing needs. I offer FHA loans for first-time buyers, Conventional and Jumbo loans for move-up buyers and luxury purchases, VA loans for the state's large military and veteran population, and Non-QM programs for real estate investors and self-employed borrowers who need flexible income documentation. You'll always have my direct number. I'll explain your options in plain language, get your pre-approval turned around quickly, and keep your closing on schedule — in one of the busiest real estate markets in the country. - **All major loan types:** FHA, Conventional, VA, Jumbo, and Non-QM loans available in Florida - **Fast pre-approvals:** Solid pre-approval letters that give you a real edge in competitive markets - **Direct communication:** Call or text Nate directly — no call centers, no voicemail loops - **On-time closings:** Agents and buyers across Florida trust Nate to close on schedule [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [(617) 945-3632](tel:6179453632) ### Ready to Buy in Florida? Get started today. Pre-approval takes minutes and there's no obligation. [Start Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Call First](https://calendly.com/natemoghadam/homebuyer-consultation) --- [(617) 945-3632](tel:6179453632) [nate@nateloans.com](mailto:nate@nateloans.com) --- Nate Moghadam · NMLS #906770 Fairway Independent Mortgage Corp · NMLS #2289 Equal Housing Lender Available Programs ## Loan Types Available in Florida Every buyer's situation is different. Nate will help you find the program that fits your goals and finances. ### FHA Loans Great for first-time buyers. Down payments as low as 3.5% and flexible credit requirements. - Down payment from 3.5% - Flexible credit requirements - Government-backed [Learn About FHA](https://nateloans.com/fha-loans?hsLang=en) ### Conventional Loans Competitive rates, no upfront MIP, and down payments from 3% for qualified buyers. - Down payment from 3% - No upfront MIP - PMI removable when eligible [Learn About Conventional](https://nateloans.com/conventional-loans?hsLang=en) ### VA Loans Zero down payment, no PMI, and competitive rates for veterans and active-duty military. - 0% down payment - No private mortgage insurance - Competitive VA rates [Learn About VA](https://nateloans.com/va-loans?hsLang=en) ### Jumbo Loans Financing for high-value properties above conforming loan limits — common in Miami and coastal Florida. - Above conforming limits - Competitive rates - Flexible underwriting [Learn About Jumbo](https://nateloans.com/jumbo-loans?hsLang=en) ### Non-QM Loans Self-employed? Investor? Flexible qualification for buyers who don't fit the standard box. - Bank statement programs - Investor cash flow loans - ITIN & alternative doc [Learn About Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) Not sure which loan is right for you? [Book a Free 15-Minute Call](https://calendly.com/natemoghadam/homebuyer-consultation) Common Questions ## Mortgage FAQs for Florida Buyers Straight answers to the questions Nate hears most from buyers in Florida. Is Nate Moghadam licensed to offer mortgages in Florida? Yes. Nate Moghadam (NMLS #906770) is fully licensed in Florida through Fairway Independent Mortgage Corporation (NMLS #2289). You can verify his license at [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/). What loan programs are available in Florida? Nate offers FHA loans (3.5% down), Conventional loans (3% down), VA loans (0% down for veterans), Jumbo loans for luxury coastal and Miami properties, and Non-QM loans for self-employed buyers and investors. What's the minimum down payment to buy a home in Florida? As little as 3.5% with an FHA loan (580+ credit score), 3% with a Conventional loan for first-time buyers, or 0% with a VA loan for eligible veterans. Nate will help you find the right fit for your savings and situation. How competitive is the Florida housing market? Florida's market has been consistently hot for years, with strong demand from out-of-state buyers, investors, and retirees. Markets like Miami, Tampa, and Sarasota regularly see multiple offers, and prices have risen sharply across the state. A **solid pre-approval letter from a reliable lender** is critical — Nate issues them fast and has a reputation for closing on time in a state where seller expectations run high. How long does it take to close on a mortgage in Florida? A typical purchase closes in **30–45 days** from accepted offer. Pre-approval can happen in 1–2 business days. Nate works proactively to hit your contracted close date — on-time closings are something his agent partners specifically rely on. How do I get pre-approved for a mortgage in Florida? [Apply online](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) — it takes about 10 minutes. Or [book a free call with Nate](https://calendly.com/natemoghadam/homebuyer-consultation) to talk through your situation first. No pressure, no obligation. ## Ready to buy in Florida? Talk to Nate directly — no forms, no call centers, no runaround. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) ### Book a Free Call Pick a time that works for you. It only takes a minute. [NateLoans](https://nateloans.com/?hsLang=en) Nate Moghadam Fairway Independent Mortgage Corporation NMLS #906770 #### Loan Types [FHA Loans](https://nateloans.com/fha-loans?hsLang=en)[Conventional](https://nateloans.com/conventional-loans?hsLang=en)[VA Loans](https://nateloans.com/va-loans?hsLang=en)[Jumbo Loans](https://nateloans.com/jumbo-loans?hsLang=en)[Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) #### Quick Links [About Nate](https://nateloans.com/#about)[Calculators](https://nateloans.com/#tools)[Blog](https://nateloans.com/blog?hsLang=en)[Book a Call](https://calendly.com/natemoghadam/homebuyer-consultation)[Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) #### Contact [(617) 945-3632](tel:6179453632)[nate@nateloans.com](mailto:nate@nateloans.com)[Disclosures](http://bit.ly/FIMCDisclosures) © 2026 Nate Moghadam  ·  Fairway Independent Mortgage Corporation  ·  NMLS #906770  ·  Company NMLS #2289  ·  Equal Housing Lender  ·  [Disclosures](http://bit.ly/FIMCDisclosures) Powered by [michaeljwong.dev](https://michaeljwong.dev) This is not a commitment to lend. All loans subject to credit approval. Rates and terms subject to change without notice. ```json { "@context" : "https://schema.org", "@type" : "FinancialService", "areaServed" : "Florida", "description" : "Mortgage loan officer Nate Moghadam (NMLS #906770) offers FHA, Conventional, VA, Jumbo, and Non-QM loans in Florida through Fairway Independent Mortgage Corporation.", "name" : "NateLoans — Mortgage Loans in Florida", "telephone" : "+16179453632", "url" : "https://www.nateloans.com/florida-mortgage" } ```