Licensed Mortgage Professionals
Looking Out for Your Best Interest Since 2006
Celebrating 20 years of helping Florida homeowners, seasonal residents, and retirees maximize their home equity and secure smart financing.
For Homeowners 62+
Stay in the Florida Home You Love. Unlock Your Equity Safely.
Whether you are a full-time resident or spending the winter in Southwest Florida, a Reverse Mortgage can help you eliminate monthly mortgage payments, supplement your retirement income, or even purchase a new winter home without draining your cash reserves.
- HECM & Jumbo Reverse Options: Solutions for standard homes and high-value coastal properties.
- Reverse for Purchase: Buy your next Florida retirement home using proceeds from your previous home sale, with no monthly mortgage payments required.
- Safe & Transparent: Full access to independent, HUD-approved counseling so you and your family can make decisions with complete confidence.
HUD-approved counseling available. Independent advice at little or no cost — find agencies at consumerfinance.gov/mortgagehelp or call 1-855-411-CFPB (2372).
Find Your Loan Path
First-Time Home Buyers
Stop renting and start owning. Access 100% financing with USDA Rural Loans and VA Loans for our Veterans, plus Florida Hometown Heroes down payment assistance.
Check EligibilityReal Estate Investors
Scale your Florida portfolio without tax returns. Qualify using property cash flow with DSCR Loans, 12/24-Month Bank Statements, and flexible Condo/Condotel financing.
Quote My ScenarioTraditional Refinance & Purchase
Navigating high interest rates takes a 20-year local expert. Explore Conventional, FHA, and Jumbo solutions tailored to lower your monthly costs.
Apply in MinutesEvery Loan. Every Borrower. Every Florida Property.
Fannie/Freddie now up to $832,750 — as little as 3% Down. Fixed Rate or ARMs. Lowest refinance rates today.
FHA Loans 3.5% Down (Purchase, Refi & Renovation) · VA Loans up to 100% · USDA Loans with No Money Down
Special program for Florida's community workforce — teachers, nurses, first responders, and more.
Jumbo Loans to $4M · 1099 only · 12 or 24 mo Bank Statement · DSCR · Asset-only loans · CPA audited P&L · Fix & Flip up to 100% LTC
Up to $1.5M — specialized programs for international buyers purchasing Florida property.
Horse farms, fruit & vegetable farms, hobby farms, vineyards — up to $50M.
We Finance Every Property Type
What Our Clients Say
Eva Aspegren
March 31, 2026
I cannot say enough incredible things about Florida Home Loanz and especially Andy. As a first-time homebuyer navigating the mortgage process in Florida, I truly had no idea what to expect—but from day one all the way through closing, Andy and the Florida Home Loanz team were absolutely outstanding. They didn't just process a loan—they guided me, educated me, and supported me every step of the way. Andy took the time to walk me through all of my mortgage options, explaining everything clearly so I could make confident, informed decisions.
Eugene Tinari
October 16, 2025
Andy did a phenomenal job obtaining and securing my refinance on a property in Florida. I cannot say enough of how diligently he works for his clients. I highly recommend their services.
Jeremy Elizondo
July 5, 2025
Working with Andres at Florida Home Loanz was an incredible experience! His mortgage processing expertise made the entire home buying process quick, painless, and easy. Paired with a fantastic title company—First Integrity Title—everything went smoothly from start to finish. I couldn't be happier with how everything turned out. Highly recommend this duo—the best in Naples!
Melanie Bishop
January 10, 2024
Andy was great to work with. Closed our loan very quickly and accurately. He works very hard for his customers.
Brent Paulson
December 1, 2023
Andy was great to work with! He was very professional and guided us through the process.
Oscar Maradiaga
September 18, 2023
My wife and I were very happy with the help they provided. It was our first home buying experience, and were very grateful with Andy Schomburg's patience and guidance. I would recomend them in a heart beat.
Get Started Today
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What Guides Us
"Treat others the way you expect to be treated."
Our mission is to provide comprehensive mortgage solutions for our clients with the highest degree of trust, knowledge, respect and convenience. We believe in the Golden Rule — treat others the way you expect to be treated. You will not receive marketing gimmicks and unobtainable quotes from us.
All rates and loan scenarios are subject to change without notice and final lender approval. Rates quoted may not include recurring expenses such as insurance, property taxes, HOA dues and/or MIP. Always refer to your 'Loan-Estimate' for exact loan details. Rates are not locked unless expressly requested by the Borrower(s) in writing once Lender's conditional Approval is issued.
RESPA, The "Real Estate Settlement Procedures Act" requires us to provide you with the HUD Settlement Cost Booklet. HUD Settlement Cost Booklet
