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Lumin Lending Inc.Matthew Park
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Mortgage Broker in Florida

I'm licensed to originate mortgages in Florida (FL) through Lumin Lending Inc., and I shop 90+ lenders on purchase, refinance, and investment loans.

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Last updated: October 2026

Key Facts

Matthew Park (NMLS# 2109427) is a licensed mortgage broker serving Florida through Lumin Lending Inc. (NMLS# 2716106). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The 2026 conforming loan limit in Florida varies by county (up to $990,150).

Mortgage Lending in Florida

Florida has no state income tax and keeps drawing new residents to Tampa, Orlando, Jacksonville, and South Florida. Two things make financing here different. Condo lending now turns on a building's reserves and inspection status, and property insurance can move your debt-to-income ratio more than the loan does. Both are solvable if I price them into the file on day one instead of finding them at underwriting. Florida Housing Finance Corporation programs, including Hometown Heroes, help buyers who qualify, and the homestead exemption with its Save Our Homes assessment cap lowers the long-run cost of a primary residence.

I'm a broker, not a bank, so your Florida loan goes to whichever of my 90+ lenders fits it best.

Available Loan Programs in Florida

Conventional

As little as 3% down, for purchase or refinance.

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FHA

Government-backed, 3.5% down, and easier on credit. A common first-time buyer loan.

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VA

Zero down payment and no PMI for eligible veterans, active-duty, and qualifying spouses.

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Non-QM / DSCR

Bank statement, DSCR, asset depletion, and more for self-employed borrowers and investors.

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HELOC / HELoan

Tap your home equity with a line of credit or a fixed-rate home equity loan.

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments from age 55 on select programs (62 for the FHA-insured HECM); you still pay property taxes, homeowners insurance, and upkeep.

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Commercial

Loans for commercial, mixed-use, and business real estate.

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Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.

HELOC: Timing may vary based on borrower qualifications and loan conditions. Appraisal may be required in certain circumstances. Subject to credit approval. Your home is used as collateral and may be at risk if you do not repay. APR, terms, and repayment structure vary by product.

Helpful Resources

Learning Center

Guides, articles, a glossary, and answers to common mortgage questions.

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Frequently Asked Questions

Straight answers on loan programs, credit, and applying.

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Frequently Asked Questions

What are the conforming loan limits in Florida?
Most Florida counties follow the standard conforming loan limit of $832,750 for single-family homes in 2026. Monroe County, which covers the Florida Keys, is designated a high-cost area with a 2026 limit of $990,150. Above the applicable limit you need a jumbo loan, and I have those through the wholesale channel.
Why is it harder to finance a Florida condo?
Since Florida tightened its structural safety rules, condo associations have to complete milestone inspections and fund structural integrity reserve studies. Lenders review that paperwork. A building with deferred inspections, thin reserves, heavy litigation, or lots of investor owners can get labeled non-warrantable, and that rules out conventional financing. It doesn't kill the deal. I can place non-warrantable condos with lenders who underwrite the building instead of turning it down, so the answer depends on which lender gets the file.
How does Florida property insurance affect what I qualify for?
Insurance is part of your monthly housing payment, so a big wind or flood premium cuts the loan amount you qualify for. On coastal homes and older roofs it's often the real limit, more than credit or income. Get an insurance quote early, before you're under contract, so the math runs on a real number.
Does Florida have first-time homebuyer programs?
Yes. Florida Housing Finance Corporation offers down payment and closing cost assistance, including the Hometown Heroes program for eligible frontline and public service workers. You can usually pair it with an FHA, VA, or conventional first mortgage. Income limits, purchase price limits, and the county all matter, so check your own situation.
Is Matthew Park licensed to lend in Florida?
Yes. Matthew Park (NMLS# 2109427) is licensed to originate in Florida through Lumin Lending Inc. (NMLS# 2716106). I shop 90+ wholesale lenders on purchase, refinance, home equity, condo, and DSCR investment files across the state. Both licenses are verifiable on NMLS Consumer Access.
Can I get a DSCR loan on a Florida rental or short-term rental?
Yes. DSCR loans qualify on the property's rent, not your personal income, which suits Florida's big investor and vacation-rental market. Some lenders will count short-term rental income from market data or an operating history. Others want long-term lease numbers. Which lender gets the file changes the answer, and that's why I shop it.

Ready to Get Started in Florida?

Tell me what you're trying to do in Florida and I'll shop it across 90+ lenders. Apply online or grab a time to talk.

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Matthew Park NMLS# 2109427 | Lumin Lending Inc. NMLS# 2716106 | NMLS Consumer Access