Florida Mortgage Broker Serving Buyers and Homeowners Statewide

Mortgage help for Florida buyers and homeowners

Partners Elite Financial Inc. is a mortgage brokerage licensed to originate loans secured by Florida property. That means Michael Callaham Jr. can compare programs from multiple wholesale lenders instead of presenting a single institution's product menu.

Florida borrowers tend to have a wider mix of situations than the national average: primary residences, second homes, retirees relocating from other states, seasonal residents, and self-employed business owners. Each of those affects which loan program fits and what documentation is required.

Buying a home in Florida

For a purchase, the practical starting point is a pre-approval that reflects your real payment—principal, interest, taxes, insurance, and any association dues. In much of Florida, insurance is the variable that changes the picture most, so getting quotes early matters.

• Conventional financing for primary residences, second homes, and investment property
• FHA financing, often used by buyers with a smaller down payment
• VA financing for eligible veterans, service members, and surviving spouses
• Condominium and townhome financing, subject to project review requirements
• Guidance on how HOA dues, taxes, and insurance factor into qualification

Refinancing a Florida mortgage

Homeowners refinance for different reasons: a lower rate, a different term, removing mortgage insurance once equity allows, changing an adjustable loan to a fixed rate, or accessing equity. Whether a refinance makes sense depends on your current loan, your remaining term, closing costs, and how long you plan to keep the home.

If your existing loan is FHA or VA, streamlined options may be available with reduced documentation. Those programs have their own eligibility and benefit tests.

Self-employed, retired, and complex-income Florida borrowers

Florida has a large population of business owners, contractors, and retirees. Qualifying income for these borrowers is calculated differently than for salaried W-2 employees—business returns, add-backs, distributions, Social Security, pensions, and in some cases asset-based calculations all come into play.

Program availability and guidelines vary by lender and change over time, so individual qualification always requires a documentation review.

Florida areas served

Michael works with borrowers across Florida, including St. Augustine and St. Johns County, Jacksonville and Duval County, Palm Coast and Flagler County, Orlando, Tampa, and South Florida markets.