VA and conventional rates for Florida homebuyers and homeowners. VA rates consistently price lower than conventional — especially valuable in Florida's competitive market.
That's where my 30+ years of experience comes in. I'll structure the loan and find the right program, terms, rate, and costs to meet your specific goals — not just the lowest advertised number.
Licensed in FL (FL-OFR) — NMLS# 308764 | Lokation Mortgage NMLS# 2682974
Rate Disclosures — Required by Federal Law (Regulation Z / Truth in Lending Act)
Rates are updated daily but are not guaranteed and are subject to change without notice. Rates shown are representative sample rates provided for informational purposes only. They do not constitute a commitment to lend or a rate lock. Actual rates will depend on your individual credit profile, loan scenario, and market conditions at the time of application.
Rate assumptions: Rates displayed assume a borrower with a 760 or higher FICO credit score, primary residence occupancy, and a 30-day rate lock period. Loan amounts and LTV ratios are shown per scenario. Changes to any assumption may result in a materially different rate and APR.
Annual Percentage Rate (APR) reflects the cost of the loan expressed as a yearly rate and includes the interest rate plus applicable fees (such as VA funding fee where applicable). APR does not include third-party costs such as title insurance, escrow, homeowner's insurance, or prepaid interest.
VA loans require a VA funding fee that may be financed into the loan. Veterans with a VA service-connected disability rating of 10% or higher may be exempt. No PMI is required on VA loans. VA IRRRL rates assume an existing VA loan being refinanced.
Conventional loan rates assume a loan amount at or below the conforming loan limit for the applicable county. Loans exceeding the conforming limit are subject to jumbo pricing and are not reflected here.
Florida loans are originated through Lokation Mortgage NMLS# 2682974, and are licensed by the Florida Office of Financial Regulation (FL-OFR). Florida rates may reflect property insurance risk adjustments applicable in coastal and high-risk areas.
This is not an advertisement of specific credit terms unless the APR, loan amount, and term are disclosed, which are provided in the table above. These rates do not constitute a Loan Estimate. You have the right to receive a Loan Estimate within three business days of submitting a complete loan application.
Jason L. Esposito | NMLS# 308764 | Lokation Mortgage NMLS# 2682974 | Licensed in FL | FL-OFR | Equal Housing Lender.