CML Direct – Countrywide Mortgage Lenders
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Buy a Home in Florida

Your Florida Home
Starts Here

Whether you're buying your first home, upgrading, or investing — we find the best financing for your situation across dozens of lenders.

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Who We Help

Every Type of Florida Buyer

From first-time buyers to seasoned investors, we have the right program for your situation.

First-Time Homebuyers

We guide first-time buyers through every step — from understanding your budget to closing day. Access down payment assistance programs, FHA loans, and expert coaching.

  • Down payment as low as 3%
  • Down payment assistance programs
  • First-time buyer education
  • Pre-approval letter in 24 hours
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Repeat Buyers

Moving up, downsizing, or relocating within Florida? We make the transition seamless with bridge financing options and simultaneous buy/sell coordination.

  • Conventional & jumbo options
  • Bridge loan solutions
  • Simultaneous close coordination
  • Competitive rates across lenders
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Investment Buyers

Grow your Florida real estate portfolio with DSCR loans, bank statement programs, and investor-friendly financing that qualifies on rental income.

  • DSCR loans — no income docs
  • Short-term rental financing
  • Multi-unit property loans
  • Portfolio loan options
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Self-Employed Buyers

Don't let tax returns hold you back. Our bank statement and non-QM programs let you qualify based on actual cash flow — not adjusted income.

  • 12–24 month bank statement programs
  • 1099 income qualification
  • Asset depletion options
  • Flexible underwriting guidelines
See Your Options
The Process

How Buying Works With CML Direct

01

Get Pre-Approved

Know your budget before you shop. Our pre-approval is fast, free, and shows sellers you're serious.

02

Find Your Home

Work with your Realtor to find the right property. We coordinate directly with your agent.

03

Lock Your Rate

Once under contract, we lock your rate and begin processing your loan immediately.

04

Close & Move In

We target a smooth, on-time closing so you can focus on moving into your new Florida home.

Ready to Buy in Florida?

Get your pre-approval letter today and shop with confidence. Our process is fast, simple, and free.

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