Best mortgage lenders in Florida in 2025

• Availability: All U.S. states
• Loans offered: Conventional, jumbo, FHA, VA, USDA
• Credit requirements: 620 for conventional loans and VA loans
• Down payment minimum: 3% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans
• Where to find: Branch locations and online

Veterans United Home Loans scores highly for attractive rates, particularly on VA loans, as well as a nationwide presence and the convenience of an online application with strategically-located branch locations. The lender also offers 24/7 customer service and speedy preapprovals.