No Credit Score Mortgage Florida  ·  Licensed in Florida (MLB 1987)  ·  NMLS #1630225

No Credit Score Mortgage Florida — Houses, Condos, and Second Homes

No minimum score and no income documents, for a Florida home you live in or a second home. A house can go to 55% of the value on loans from $300,000 to $1,500,000; a condo stops at 50%.

Last updated November 2026 · reviewed by a licensed mortgage broker

1Start my applicationA few minutes, no documents yet2Call 888.958.5382Speak with a licensed loan officer3Book a timePick a slot that works for you
★★★★★ 5.0 on GoogleNMLS #1630225 · verify on NMLS Consumer AccessLicensed in NJ · CT · FL (FL MLB 1987)Family owned since 2017 · Ridgefield, NJ
NoneMinimum
Credit Score
55%Max on a House
$300k–$1.5M Loan
50%Max LTV
on a Condo
1 DayOut of
Bankruptcy


Your Answer Right Here

Can You Get a No Credit Score Mortgage in Florida?

Yes. A no credit score mortgage in Florida lets you buy or refinance with no minimum score and no income documents, and you don’t need a score at all. On a house, the loan can be up to 50% of the value, or 55% when it’s between $300,000 and $1,500,000. On a condo it stops at 50%, whatever the loan size. Loans run from $250,000 to $1,999,999.

We’re licensed in Florida (MLB 1987) and place the loan statewide, for a home you live in or a second home. It isn’t for a property you rent out.


House or Condo

Florida Houses and Condos Don’t Get the Same Limit

The value is the lower of the price and the appraisal. These are the largest loans the program allows.

Price or value House Condo
$600,000 $330,000 (55%) $300,000 (50%)
$850,000 $467,500 (55%) $425,000 (50%)
$2,000,000 $1,100,000 (55%) $1,000,000 (50%)

The 55% limit on a house starts at a $300,000 loan, which takes a value of about $545,500. Below that, a house tops out at 50%, the same as a condo, and the smallest loan, $250,000, needs a value of at least $500,000.

Non-warrantable condos are eligible, subject to the program’s condo guidelines, so a building that fails the Fannie Mae and Freddie Mac condo rules isn’t automatically out. Send us the association’s name early so the building can be reviewed before you’re under contract.


Second Homes

A No Credit Score Mortgage on a Florida Second Home

On a no credit score mortgage in Florida, a second home qualifies on the same terms as a primary residence. You don’t need a housing history on the home you live in now, which helps if you rent up north or live with family.

Foreign nationals can use the program for a Florida second home, never a primary residence, and with no score required, a missing U.S. credit history doesn’t stop the loan. Non-permanent residents qualify with U.S. credit and an acceptable visa, and borrowers with an ITIN qualify too.


What You Need

Florida Requirements and Costs

  • Credit: no minimum score and no tradeline requirement. Collections and charge-offs can stay unpaid.
  • Income: not verified, with no debt-to-income ratio.
  • Reserves: six months of payments, and money from a cash-out can count.
  • Equity left after the loan: $150,000 or more.
  • Loan: 30-year fixed, no interest-only, no prepayment penalty.
  • Escrow: required. Your homeowners, windstorm, and any flood insurance go into the monthly payment along with the property tax, so get insurance quotes before you set a budget.
  • Counseling: at least one borrower completes homeownership counseling before closing; the CFPB’s search lists HUD-approved agencies in Florida.

If it’s your primary residence, file for Florida’s homestead exemption with the county property appraiser. A lower tax bill lowers the escrowed payment. A second home doesn’t qualify for it.


After a Setback

Bankruptcy, Foreclosure, and Liens

A no credit score mortgage in Florida can close one day out of bankruptcy. A foreclosure on the property being financed needs 12 months behind it. A foreclosure on some other property doesn’t start that clock.

It won’t refinance a home that’s 90 days behind or has a lis pendens, notice of default, or notice of sale on record. Judgments and liens on the credit report, fraud report, or title get paid by closing, from the loan if you like. IRS debt can be paid through closing too.

With a score of 640 or more, our Florida no income verification program lends a bigger share of the value. For a Florida rental, look at DSCR loans in Florida.

Send us the property: call 888.958.5382 with the address, whether it’s a house or a condo, and the price or rough value. We’ll tell you which limit applies and what the loan comes to.
House or condo, not sure where your Florida loan lands?
Find out in a few minutes

Before You Start

What Happens After You Apply

  1. You send the application

    A few minutes online. No documents at this stage.

  2. A licensed loan officer calls you

    Someone on our team covering your state.

  3. We ask for documents and pull credit

    Only once you have decided to move forward.

  4. You get an approval to shop with

    Typically back within the hour.

What Clients Say

Real Reviews From Our Clients

Here’s what a few clients said about working with Mortgage-World.com on their home loan approvals.

★★★★★
“Chris Luis is the BEST mortgage broker on this planet! If you’re looking to buy a home, definitely give him a call. Chris will go above and beyond to try to help you!”
— Tanya W.
★★★★★
“I had an opportunity to work with Chris when I did my refinancing. I would highly recommend his services to anyone. He was efficient, helpful and very prompt in responding.”
— Aurora T.
★★★★★
“Julia Luis has been very professional and has been very helpful during the process! Anyone looking for someone to assist them in their future adventures needs to have her on your side! Thank you for being there for me!!”
— Joel F.

Read more from our clients: Read More Reviews →


Common Questions Answered

Frequently Asked Questions — No Credit Score Mortgage Florida

Can I get a mortgage in Florida with no credit score?
Yes. Mortgage-World.com (NMLS #1630225, Florida MLB 1987) places a program with no minimum credit score that also takes borrowers with no score. It lends up to 50% of the value, or 55% on a house when the loan is between $300,000 and $1,500,000.
Why is a Florida condo capped at 50%?
The program limits Florida condos to 50% at every loan size. A house can reach 55% when the loan is between $300,000 and $1,500,000.
Can I finance a non-warrantable condo in Florida?
Yes. Non-warrantable condos are eligible, subject to the program’s condo guidelines, and the 50% limit applies. Give us the association’s name early so the building can be reviewed.
Can a foreign national use it to buy in Florida?
Yes, for a second home only. No credit score is required. Non-permanent residents qualify with U.S. credit and an acceptable visa, and ITIN borrowers qualify as well.
Do I need to prove income?
No. There are no tax returns, pay stubs, or employment checks, and no debt-to-income ratio. You need six months of payments in reserves and 30 days of statements for your funds to close.
How soon after bankruptcy can I buy in Florida?
One day out of bankruptcy, with at least half the price down, or 45% on a house when the loan is between $300,000 and $1,500,000.
Is windstorm insurance part of the payment?
Yes. Escrow is required, so homeowners, windstorm, and any flood insurance are collected monthly with the property tax.
What’s the smallest loan in Florida?
$250,000, which needs a home worth at least $500,000 at the 50% limit. The largest is $1,999,999.
Can I take cash out of my Florida home?
Yes, up to the 50% or 55% limit, with no separate cap on the cash. The home has to keep at least $150,000 of equity, and the cash can count toward your reserves.
Can I refinance if my Florida mortgage is behind?
It depends on how far behind. At the 50% limit, the mortgage on the home has to be less than 90 days past due when the loan funds, and you show it with a current statement. At the 55% limit, there can be no 90-day late payment in the last 12 months. Once a notice of default, notice of sale, or lis pendens is on record, the program will not refinance it.
Do I have to pay off collections?
No. Collections and charge-offs can stay. Judgments and liens on the credit report, fraud report, or title have to be paid by closing, and the loan proceeds can cover them.
Is there a prepayment penalty?
No. It’s a 30-year fixed with no prepayment penalty and no interest-only option.

Related Resources

Not Sure This Is the Right Program?

No score, FloridaQualify on equity, house or condoYou are hereHave a 640 score?No income documents, and a larger share of the valueCompareForeign national buyerForeign national loans in FloridaCompareBuying a FL rentalThe property’s rent qualifies the loanCompare
Related ProgramsHow the program worksIn New JerseyIn ConnecticutFL no income verificationFlorida no doc condoFHA after bankruptcy
no credit score mortgage Florida — Mortgage-World.com, NMLS #1630225Mortgage-World.com
Licensed mortgage broker · NMLS #1630225

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Licensed in
NJ · CT · FL
Broker license
NMLS #1630225
Florida license
MLB 1987
Family owned since
2017
Office
Ridgefield, NJ

See what your Florida house or condo qualifies for

A licensed loan officer will look at the property, the price or value, and your reserves, and tell you which limit applies and what the loan comes to.

What You Need
✓No minimum credit score
✓Condos capped at 50%
✓Second homes eligible
Apply Online — FreeCall 888.958.5382

No obligation · about 5 minutes
Chris Luis, Broker/Owner of Mortgage-World.com

Written and reviewed by Chris Luis, Broker/Owner of Mortgage-World.com, NMLS #1630225. About the author

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