How to get a Florida mortgage when you live out of state

The question I get most from relocation buyers is some version of "can I even do this without living there yet?" Yes. The loan follows the house, and the house is in Florida. Where you currently live does not stop you from buying here. Here is the order it happens in.

Step 1: Get pre-approved from where you are

Everything in pre-approval is remote. You send income documents, bank statements, and ID, we pull credit, and we issue a pre-approval letter. Nothing here needs a Florida address. Do this first, before you book a trip, so you know your real budget and can move fast when you find the house.

Step 2: House hunt with a real number in hand

When you fly down to look, or shop remotely with a local agent, you are doing it with a pre-approval that sellers take seriously (see federal guidance on preapproval letters). Relocation buyers often get limited trips, so walking in ready to write a firm offer is a real advantage over a buyer who still has to go figure out financing.

Step 3: Go under contract and lock

Once your offer is accepted, we lock your rate and move the file toward closing. This is all handled remotely. You will be in regular contact, but you do not need to be in Florida for any of it yet.

Step 4: Close from wherever you are

Out-of-state closings are normal. Depending on the file and the title company, you might close by:

• A mail-away package you sign in front of a notary near you,
• A mobile notary who comes to you, or
• A remote online notarization done over video, under Florida's online notarization law.

We confirm which path your closing uses early, so the signing fits around your move instead of forcing you to fly back.

What to have ready

To keep a remote file moving, have these handy: recent pay stubs, the last two years of tax returns and W-2s, recent bank and asset statements, and a clear ID. The faster these come in, the smoother a remote closing runs.

Start with a call

Every relocation file is a little different, especially around timing and which closing method fits. The simplest first move is a short call. I will tell you exactly what your file needs and what your Florida numbers look like: 904-389-4635.