Katrina Zumkley | Mortgage Originator in Pinellas County, FL

Florida Mortgage Loan Expert | First-Time Homebuyers, Physician Loans, Construction, Non-QM & Renovation Financing

Loans

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Mortgage Programs

Explore Florida options for first-time buyers, physicians, self‑employed, construction, renovation, and non‑QM borrowers.

Programs

A detailed close-up of a modern Florida coastal home under construction, featuring exposed concrete block walls, neatly stacked roof trusses, and scaffolding surrounding the structure. In the foreground, rolled blueprints are spread on a sturdy plywood work surface next to a yellow tape measure and neatly arranged construction materials. The ground is a mix of compacted sand and gravel, with tire tracks leading toward the house. Warm late-afternoon sunlight creates long, defined shadows across the site, highlighting texture in the concrete, wood, and sand. Photographic realism, wide-angle composition with sharp focus, conveying progress and possibility. The mood is ambitious and forward-looking, ideal for content about construction loans and building a custom home in Florida.

Compare first-time, high-LTV, physician, and self-employed non-QM options, including bank-statement and DSCR programs tailored to Florida buyers.

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See how construction, renovation, and rehab loans differ in draws, contingencies, and documentation so your project financing matches your timeline.

Pricing

Home Starter

Most Florida borrowers I work with see conventional 30-year fixed scenarios in the mid–6% to low–7% range, depending on credit, down payment, and property type. Non-QM and bank-statement loans often price a bit higher—typically about 0.5%–2.0% above standard conventional options—reflecting the added flexibility on income documentation. Closing costs commonly run between 2%–4% of the loan amount and can sometimes be offset with lender credits or negotiated seller concessions if the contract allows. I always provide a customized quote with an itemized fee worksheet before you decide to move forward.

Explore details

Rate estimates

Fee overview

First-time focus

Florida guidance

Pro Insight

For first-time buyers using high-LTV (85%–97% financing) or physician loan options, interest rates often fall near mainstream market pricing, with small adjustments based on your credit profile, student loan structure, and overall debt-to-income ratio. Construction and renovation loans, as well as DSCR investor products, usually carry slightly higher rates and may include draw fees, inspection fees, and interest-only payments during the build or rehab period. Total upfront costs for these specialized loans typically range from 3%–5% of the loan amount when you factor in third-party charges, prepaid items, and reserves, but exact numbers are tailored to your specific scenario and program choice.

Get guidance

Non-QM analysis

Physician loans

Construction loans

Renovation loans

A tastefully renovated open-plan living room and kitchen in a mid-range Florida home, showcasing the results of renovation financing. The living area features light wood-look tile flooring, a soft gray sectional sofa, and a simple white coffee table with a small stack of design magazines. The kitchen beyond has white shaker cabinets, quartz countertops, and a subtle subway tile backsplash. Recessed ceiling lights combine with diffuse daylight from a large unseen window, creating even, inviting illumination and soft reflections on the countertops. Photographic realism, shot from one corner to capture depth, with clean lines and a balanced composition. The mood is comfortable, polished, and aspirational, supporting articles about renovation loans and adding value to a home.

Understand Your Florida Mortgage Options

Learn how underwriters review income, assets, credit, and collateral, including alternative documentation for self-employed and non-QM borrowers, plus Florida-specific considerations like condos, flood insurance, and investment properties.

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