Your Mortgage. Your Terms. Your Home Sweet Home.
Mortgage broker serving Florida and Texas homebuyers with a transparent process and verified approvals.
Home Sweet Home Financing is a licensed mortgage broker serving homebuyers and homeowners throughout Florida including Tampa, Orlando, Miami, Jacksonville, Wesley Chapel, and Lakeland, and Texas including Houston, Dallas, Austin, San Antonio, and Fort Worth. We provide purchase loans, refinance options, FHA, VA, USDA, jumbo, investor DSCR loans, HELOCs, and reverse mortgage solutions with clear guidance from application to closing.
Who We Help
First-Time Homebuyers
Buying your first home? We guide you through every step with zero surprises.
First-Time Buyer ProgramsHow We Make Mortgages Simple
Verified faster. Closed sooner.
Verify Your Buying Power
We review income, assets, and credit upfront so you know exactly what you qualify for—no surprises later.
Strengthen Your Offer
Your agent receives a verified proof package that makes your offer stand out and get accepted faster.
Close With Confidence
Our team coordinates every detail for a smooth, on-time closing backed by transparent communication and service guarantees.
What Types of Mortgages Do We Offer?
From first-time homebuyers to seasoned investors, we have the right solution. Not sure which fits? We'll help you find the perfect match.
Purchase Loans
Conventional, FHA, VA, USDA, and jumbo loans for your dream home purchase.
Learn More →Compare Loan Types at a Glance
| Loan Type | Best For | Down Payment | Credit | Key Benefit |
|---|---|---|---|---|
| Conventional | Standard purchase | 3-5% | 620+ | Lowest rates |
| FHA | First-time buyers | 3.5% | 580+ | Easier qualification |
| VA | Military/Veterans | 0% | None | No down payment |
| USDA | Rural areas | 0% | 640+ | Zero down eligible |
| Jumbo | Luxury homes | 10-20% | 700+ | High-value properties |
| DSCR | Investors | 20-25% | 660+ | No income verification |
Conventional
FHA
VA
USDA
Jumbo
DSCR
See What You Qualify For in 60 Seconds
Answer 3 quick questions and discover your estimated buying power. No credit check. No obligation.
What are you looking to do?
What Our Clients Say
"Roberto and his team made our first home purchase incredibly smooth! They explained everything clearly and we closed in just 18 days. Highly recommend!"
"Best mortgage experience ever! Roberto was patient with all my questions and found me a great rate. The whole process was transparent and stress-free."
"As a real estate investor, I've worked with many lenders. Roberto's DSCR loan process was the fastest and most efficient I've experienced. Will definitely use again!"
Frequently Asked Questions
How long does it take to get pre-approved for a mortgage?
Most pre-approvals are completed within 24-48 hours. We review your income, assets, and credit to provide a verified pre-approval letter that strengthens your offer.
What documents do I need to apply for a mortgage?
Typically, you'll need recent pay stubs, W-2s or tax returns (2 years), bank statements (2 months), and photo ID. Self-employed borrowers may need additional documentation.
Can I buy a house with bad credit?
Yes! FHA loans accept credit scores as low as 580 with 3.5% down, or 500 with 10% down. We also offer credit repair guidance and alternative loan programs.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate based on self-reported information. Pre-approval involves verifying your income, assets, and credit—making your offer much stronger to sellers.
Do you charge application fees?
We do not charge upfront application fees. Costs are disclosed clearly before closing, and we shop multiple lenders to find you the best rate and terms.
How much do I need for a down payment?
Down payments vary by loan type: Conventional (3-5%), FHA (3.5%), VA/USDA (0%), Jumbo (10-20%), and DSCR investor loans (20-25%). We'll help you choose the best option.
What credit score do I need to buy a house in Florida or Texas?
Minimum credit score varies by loan type. Conventional loans require 620+, FHA loans require 580+, VA loans have no official minimum, USDA loans require 640+, and jumbo loans typically require 700+. We can help you understand which programs you qualify for.
How much are closing costs in Florida and Texas?
Typically 2-5% of the loan amount. In Florida, expect $3,500-$8,000. In Texas, expect $4,000-$9,000. We provide detailed estimates upfront so there are no surprises.
Can I buy a house with only 3% down?
Yes! Conventional loans allow 3% down for qualified buyers. FHA requires 3.5% down. VA and USDA offer 0% down for eligible borrowers. We'll help you find the best option for your situation.
What is a DSCR loan?
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors. We qualify you based on the property's rental income, not your personal income. Ideal for investors with multiple properties or those who want to avoid income documentation.
Ready to Get Started?
Get pre-approved in 24 hours or schedule a free consultation with Roberto.