Resources | Treasure Coast Home Loans

Mortgage Tools & Guides

Everything you need to calculate your buying power, prepare your finances, and navigate the Florida housing market with confidence.

Mortgage Loan Fit Finder

Answer 5 quick questions to find the best mortgage programs for your unique goals and budget.

Try the Calculator ➔

Closing Cost Estimator

Calculate exact Florida taxes, lender fees, and the estimated cash you will need to close.

Calculate Costs ➔

Debt-to-Income Calculator

See how lenders view your financial health and find out how much house you can safely afford.

Check My DTI ➔

PMI Removal Calculator

Check your current home equity to see if you qualify to drop your monthly PMI payment.

Check My Equity ➔

Down Payment Assistance

Search hundreds of Florida programs to see if you qualify for free down payment assistance.

Check Eligibility ➔

Homebuyer Checklist

A step-by-step guide to preparing, shopping, and closing on your Florida home.

Download Checklist ➔

90-Day Buying Timeline

Get organized with a clear, stress-free 90-day path to buying your next home.

Download Planner ➔

Credit Improvement Guide

Actionable steps to boost your score and secure a better mortgage interest rate.

Download Guide ➔

Mortgage News & Updates

Stay informed on Florida interest rates, market shifts, and local housing trends.

Read Articles ➔

Compare My Loan Options

Your Loan Matches

We will email these results to you shortly, but you can also review them below!

Note: Given your answers, it is hard for the calculator to perfectly assess what is best for you. We have notified Edgar to reach out to get more information to ensure the best loan for your unique situation!

Mortgage Loan Fit Finder

When you borrow money to buy your home, you apply for a residential mortgage.


The concept is simple, but the process can be complicated.


Especially when you start comparing rates, terms, and types of loans, Below are a few simple mortgages we help you to obtain. Everyone's circumstances are different, and each loan type is designed to help your particular needs.

The Ultimate Florida Home Buyer Checklist

Your step-by-step guide to getting ready, buying smart, and closing with confidence.

Buying a home in Florida can feel exciting, overwhelming, and fast-moving all at once. Between credit scores, down payments, insurance, flood zones, and closing costs, there is a lot to think about before you make an offer.

  • Get financially ready and understand the buying process.
  • Avoid common surprises and hidden fees.
  • Make smarter, data-backed home buying decisions.
  • Break the process into clear, manageable steps.

Use it as a working checklist as you move through your home buying journey!

Download for Free

Tell us where to send your complete Florida Home Buyer Checklist.

Success! 🎉

Your checklist is on its way to your inbox. You can also download it right now below.

⬇ Download Checklist PDF

Download for Free

Tell us where to send your 90-Day Home Buying Timeline Planner.

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Your planner is on its way to your inbox. You can also download it right now below.

⬇ Download Planner PDF

90-Day Home Buying Timeline Planner

A simple step-by-step guide to help Florida home buyers get organized, prepare financially, and move toward closing with confidence.

Buying a home can feel like a lot when you are trying to manage credit, savings, loan options, home searches, inspections, and deadlines all at once. This planner breaks the process into a clear 90-day path so you can focus on the right steps at the right time.

Use this planner to:

Stay Organized

Keep every step in order from day one to closing day.

Reduce Stress

Know exactly what to focus on at each stage of the process.

Prepare Financially

Build a strong financial foundation before you start shopping.

Avoid Common Mistakes

Sidestep the pitfalls that slow down or derail buyers.

Move Forward with Confidence

Take each step knowing you are prepared and on track.

Credit Score Improvement Guide for Home Buyers

A simple guide to help you understand your credit, improve your score, and strengthen your home buying position.

Your credit score plays a big role in the home buying process. It can affect the loan options available to you, your interest rate, your monthly payment, and how confident you feel when it is time to talk to a mortgage professional.

The good news is that credit improvement usually starts with a few practical steps. You do not need perfection. You need a clear plan.

Use this guide to:

  • Understand what affects your credit score.
  • Identify common mistakes that hurt buyers.
  • Build better credit habits.
  • Take practical steps before applying for a mortgage.
  • Move toward homeownership with more confidence.

Download for Free

Tell us where to send your Credit Score Improvement Guide.

Success! 🎉

Your guide is on its way to your inbox. You can also download it right now below.

⬇ Download Guide PDF

Florida Closing Costs Estimator

Get an instant, data-backed breakdown of estimated Florida taxes, prepaids, and loan fees.
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Your Estimated Breakdown

We have emailed you a copy of these results!
Purchase Price:
Down Payment:
Estimated Loan Amount:
FL State Mortgage Taxes:
(Doc Stamps & Intangible Tax)
Estimated Lender & Title Fees:
(Appraisal, Origination, Settlement)
Estimated Escrows / Prepaids:
(Home Insurance & Property Taxes)
Total Cash to Close:
(Down Payment + Closing Costs)
Talk to an Expert: This breakdown is a baseline estimate. In Florida, closing costs vary significantly depending on your exact county, HOA fees, flood zones, and daily interest rates. Because there are so many unique variables, we have notified Edgar to reach out directly to review your goals and provide a pinpoint-accurate quote!
Free Search Tool

Unlock Down Payment Assistance

Did you know there are hundreds of state and local programs designed to help Florida buyers cover their down payment and closing costs? You could qualify for thousands of dollars in assistance. Answer a few quick questions to see exactly what programs you are eligible for right now.

See What I Qualify For ≫

PMI Removal Calculator

Find out if you have enough equity to drop your Private Mortgage Insurance and lower your monthly payment.
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Your PMI Analysis

We have emailed you a copy of these results!
Current Loan Balance:
LTV (Based on Original Price):
LTV (Based on Current Value):
Potential Monthly Savings:
Talk to an Expert: Lenders have specific rules for dropping PMI. Sometimes it requires a new appraisal, and sometimes it drops automatically. We have notified Edgar to review your numbers. He will reach out to tell you exactly what steps to take to get this removed!

Debt-to-Income (DTI) Calculator

See how lenders view your financial health and find out how much house you can comfortably afford.
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Your DTI Analysis

We have emailed you a copy of these results!
Gross Monthly Income:
Monthly Debt Payments:
Estimated Mortgage Payment:
Your Estimated DTI:
Talk to an Expert: DTI limits vary widely depending on the loan program. For example, Conventional loans often cap around 45%, while FHA and VA loans can sometimes go up to 55% or higher! We have notified Edgar to review your numbers so he can tell you exactly which loan programs you qualify for!