The Easiest Way To Buy A Home In Florida If You Currently Work and Live In Another State...

Edgar DeJesus • April 6, 2021

In today’s video, I want to share the easiest way to buy and finance a home when you’re relocating to Florida in the future, but you currently work and live in another state. 


Start Your Pre-approval

A married couple recently asked me: 

 

What’s the best way to buy and finance a home in Florida if I’m not living there?

 

To which I responded with the following questions:

 

  1. How long will it be before you move to Florida? Their response: three and a half years. 

 

   2. Will you be visiting your new home purchase throughout the next three years? Their response         ABSOLUTELY! 

 

   3. Will you continue working once you move to Florida? Their response: NO, I’ll be retired

 

The obvious and clear answer from me to them was: 

 

The easiest way to purchase and finance your dream home in Florida while not living here is to buy and finance the house as a second home. 

 

They paused and responded I didn’t know that was possible. I thought we had to wait until we lived there to buy a home. 

 

Here are the reasons I recommended they buy and finance their Florida home as a second home:

 

  1. Interest rates for second home purchases are usually within the range of primary home purchases.
  2. Their income where they currently live is more significant than it will be when they move to Florida. It’s easier to qualify with a higher income than a lesser income. 
  3. If they buy right now, interest rates are at historic lows. Who knows where mortgage rates will be three years from now. 

 

After answering all of their questions, explaining the second home buying, financing requirements and process. This couple is looking forward to the smoothness of purchasing a second home. 

 

If you currently live in another state or even a different part of Florida and you’re considering relocating and you would like to buy a home. Give me a call, send me a message. I would be happy to help you plan a mortgage that fits your needs.

 

My name is Edgar DeJesus. I’m Branch Manager and Mortgage Advisor of Treasure Coast Home Loans. I understand everyone’s life situation is different. No matter what yours currently is, if you are interested in buying a home, we would love to help you, guide you and lead you. 

 

Today’s market requires you to have a skilled negotiator and consultant, like me, helping you and the people you care about right now.

 

Call or text me with any questions that will let me separate opinion from opportunity. 

 

Thank you for taking the time to read my latest real estate and mortgage report.


Start your pre-approval

CONTACT US

Start Your Mortgage Application with Treasure Coast Home Loans

Your Local Mortgage Broker

Mortgage Broker Port St. Lucie, Florida

Learn More About the Mortgage Process.


Check Out Our Google Verified Reviews

By Edgar DeJesus July 28, 2025
Self-employed mortgage - Home equity renovation loans - Debt-to-income ratio DTI - Mortgage for self-employed - Equity financing - Home renovation ideas
fix and flip loans, mortgage broker, real estate investing, hard money loans, investment property lo
By Edgar DeJesus July 24, 2025
Discover the best fix and flip loan programs. Learn how working with a mortgage broker can help you unlock potential profits in real estate.
By Edgar DeJesus July 23, 2025
As a first-time home buyer or someone looking to move up to a larger home, navigating the world of mortgages and closing costs can be overwhelming. One crucial aspect that can significantly alleviate financial stress is seller-paid closing costs. This article will explore what seller-paid closing costs are, how you can obtain them, and the different allowances based on various loan programs. By understanding these concepts, you can position yourself for a smoother home purchasing experience.
A man and a woman are sitting on a couch looking at each other.
By Edgar DeJesus July 22, 2025
Learn how cash-out refinancing after divorce can help you split assets fairly. Steps, tips, and expert help from Treasure Coast Home Loans.
By Edgar DeJesus July 21, 2025
Are you dreaming of owning a home that perfectly matches your style, or perhaps turning a fixer-upper into your dream dwelling? The FHA 203(k) loan might just be your ticket to achieving that dream! This unique financing option combines your home purchase and renovation costs into a single mortgage, making it a practical choice for many homebuyers. Here’s everything you need to know about FHA 203(k) loans.
By Edgar DeJesus July 17, 2025
Navigating the housing market can be daunting, especially for first-time home buyers. With rising interest rates, finding a manageable monthly mortgage payment can feel like an uphill battle. However, there’s a strategic tool available that can make a substantial difference in your financial landscape: the temporary rate buydown. This blog post explores how first-time buyers can leverage this option to ease into homeownership with lower payments at the start of their mortgage journey.
By Edgar DeJesus July 16, 2025
Finding the right mortgage can feel like a daunting task, especially with so many options available. While local banks, credit unions, and mortgage bankers each have their merits, opting for a mortgage broker could be the game-changer in your home buying journey. Here’s why choosing a mortgage broker is often the smarter path.
By Edgar DeJesus July 15, 2025
As a consumer looking to navigate the mortgage landscape, staying informed is essential. Mortgage News Daily (MND) is a valuable resource for understanding mortgage rates, trends, and key industry news. Here’s how you can maximize your experience on MND, along with tips to assist you in your mortgage journey.
By Edgar DeJesus July 14, 2025
In a significant move that could reshape the landscape of home financing, the Federal Housing Finance Agency (FHFA) has announced the acceptance of the VantageScore 4.0 credit scoring model alongside the traditional FICO scores. This landmark decision aims to assist millions of potential homebuyers who have previously faced barriers due to limited or no credit history.
By Edgar DeJesus July 8, 2025
Struggling to get approved? Learn how Non-QM loans help self-employed borrowers with unique income or credit challenges.