See What Your Florida Numbers Support
Program and regulatory figures verified September 19, 2026. Details change; confirm your scenario with us.
Tell us the two houses and roughly when you would sell. We will tell you which structure works and what the payment actually becomes.
What to have ready
- Roughly what your current Florida home is worth and what you still owe.
- The price range you are shopping, and the county.
- The last tax year you held the homestead exemption on the current home, if you know it.
- Your timeline, and whether you would consider renting the departing home.
Approximate figures are fine. They are enough to point you in the right direction.
What happens next
Our team reaches out shortly. We run the two-payment test, model the new home's tax line both during and after the overlap, and look at rental income if that is the stronger route. You get a straight answer, including when that answer is to sell first.
No obligation and no pressure. A short call with our team, your real numbers, and a straight answer on which structure fits and what the tax line on the new house becomes.
Your real estate agent handles the purchase itself and your county property appraiser decides your assessment. We handle the financing: what you qualify for, how the equity gets used, and what the payment looks like on both houses.
Frequently asked questions
What do you need from me on a first call?
Approximate value and balance on your current Florida home, the price range and county you are shopping in, your income picture, and your timeline. If you know the last tax year you held homestead on the current home, bring it, because it sets your portability deadline.
Will you model the property tax properly?
Yes, and in Florida that means modelling it twice. During the overlap the new house is assessed at just value because homestead has not attached. Afterward, with homestead and any transferred assessment difference applied, the figure can be materially lower. A single percentage-of-price estimate is wrong in one direction or the other.
How quickly will someone respond?
Our team reaches out shortly during business hours. If your timeline is tight, say so in the message and we will treat it that way.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Homestead eligibility, portability, and landlord-tenant rules change and depend on your facts; your county property appraiser, your CPA or a Florida attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.