Home Loans in Martin County, FL
Your Path to Homeownership Starts with Zarro Mortgage Group — your trusted source for home loans in Martin County.
Zarro Mortgage Group specializes in home loans in Martin County and St. Lucie County, helping local buyers get pre-approved fast.
The Home Buying Process
Buying a home can be overwhelming, but with home loans in Martin County from Zarro Mortgage Group, we make the process seamless.
You’ve come to the right place. At Zarro Mortgage Group, our experienced team specializes in home loans in Martin County, helping buyers across the Treasure Coast secure the right mortgage with clarity, confidence, and personal service. Whether you’re a first-time buyer, upgrading your home, or relocating, our experienced mortgage lenders provide guidance for home loans in Martin County and St. Lucie County and across the Treasure Coast.
Get Pre-Approved
Our pre-approval process helps you explore home loans in Martin County that fit your budget and goals.
Find Your Home
Work with your realtor to find the perfect property that fits your needs.
Secure Financing
Lock in your rate and finalize your loan details with our expert team.
Close & Move In
Sign the papers, get your keys, and start your new chapter.
Types of Home Loans
We offer a wide range of home purchase loans and home loans in Martin County and St. Lucie County designed for first-time buyers and seasoned homeowners alike.
Conventional Loans
Great for qualified borrowers seeking competitive rates on home loans in Martin County.
- Down payments as low as 3%
- Fixed or adjustable rates available
- Ideal for strong credit profiles
- No mortgage insurance with 20% down
FHA Loans
Ideal for first-time buyers using home loans in Martin County with lower down payments.
- Down payments as low as 3.5%
- More flexible credit requirements
- Lower closing costs
- Assumable by future buyers
VA Loans
Veterans can access home loans in Martin County with no down payment and great terms.
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Limited closing costs
Non-Conforming Loans
Flexible financing for borrowers outside traditional loan limits or qualification guidelines.
- Loan amounts above conforming limits
- Flexible income and credit qualification
- Available for primary or second homes
- Tailored solutions with competitive rates
Jumbo Loans
Financing for high-value properties exceeding conventional loan limits.
- Higher loan amounts available
- Competitive rates for qualified buyers
- Flexible terms and structures
- For luxury and high-value homes
First-Time Homebuyer Programs
Special programs designed to help first-time buyers achieve homeownership.
- Down payment assistance options
- Educational resources included
- Flexible qualification criteria
- State and local programs available
Understanding Your Credit Profile
Your credit score is one of the most important factors in determining your mortgage eligibility and interest rate. Here’s what you need to know about credit requirements for home loans. Understanding your credit score helps us match you with the best home loans in Martin County for your situation.
Need help reviewing your credit profile? Our team can walk you through your report and help you prepare for approval. Contact Zarro Mortgage Group. A healthy debt-to-income ratio improves your eligibility for home loans in Martin County and better rates.
Credit Score Ranges
760+
Excellent Credit
Best rates and terms available, most loan programs accessible.
740+
Good Credit
Competitive rates, wide range of loan options available.
580-669
Fair Credit
FHA and some conventional loans available, higher rates may apply.
Below 580
Poor Credit
Limited options, may require credit improvement or alternative programs.
Debt-to-Income Ratio (DTI)
Florida homebuyers often ask what affects their closing costs or DTI ratios most. Our licensed loan officers in Stuart, FL can help you estimate costs specific to your county and loan program.
How DTI is Calculated
Total Monthly Debt
Gross Monthly Income
100 = DTI%
DTI Examples
25%
Low DTI
Monthly Income:
$6,000
Monthly Debts:
$1,500
40%
Good DTI
Monthly Income:
$6,000
Monthly Debts:
$2,400
50%
Higher DTI
Monthly Income:
$6,000
Monthly Debts:
$3,000
Tips to improve your DTI
Reduce Debt:
Pay down credit cards, auto loans, or other outstanding debts before applying.
Avoid New Debt:
Don’t take on new loans or credit cards while applying for a mortgage.
Increase Income:
Consider side income, bonuses, or requesting a raise to improve your ratio.
Consider a Co-Borrower:
Adding a co-borrower can increase your total income and improve your DTI.
Debts Included in DTI
- Mortgage or rent payment
- Car loans and leases
- Student loans
- Homeowners Insurance
- Credit card minimum payments
- Personal loans
- Child support or alimony
Expenses NOT Included
- Utilities (gas, electric, water)
- Groceries and food
- Vehicle & Health Insurance
- Entertainment and subscriptions
- Healthcare costs
- Transportation (gas, maintenance)
Understanding Closing Costs
Closing costs typically range from 2% to 5% of your home’s purchase price. Here’s a breakdown of what to expect and how to prepare. We guide first-time homebuyers through every step of the mortgage pre-approval process.
Average Closing Costs Example
Home Price
$300,000
2% – 5%
Total Estimate
$6,000 – $15,000
Lender Fees
1-2% of loan amount
- Origination fee
- Application fee
- Underwriting fee
- Processing fee
- Credit report fee
Third-Party Fees
Varies
- Appraisal fee ($500-$650)
- Home Inspection ($300-$500)
- Title Search & Insurance
- Attorney Fees
- Survey Fee
Prepaid Costs
Varies
- Homeowners Insurance Premium
- Property Tax (prorated)
- Prepaid interest
- HOA Fees (if applicable)
- Mortgage Insurance (if required)
Escrow & Other
Varies
- Escrow account deposit
- Recording fees
- Transfer taxes
- Courier fees
- Notary fees
Important Closing Documents
Loan Estimate
Received within 3 business days of application. Shows estimated closing costs.
Closing Disclosure
Received at least 3 business days before closing. Shows final costs.
Title Report
Confirms property ownership and identifies any liens or issues.
Ways To Reduce Closing Costs
-
Ask for Seller Credits
Negotiate for the seller to cover some closing costs
-
Close at Month-End
Reduce prepaid interest by closing near the end of the month
-
Review Your Loan Estimate
Carefully review and question any fees that seem excessive
-
Consider No-Closing-Cost Loans
Roll closing costs into your loan (results in higher rate)
-
Look for Assistance Programs
Research state and local programs that help with closing costs
Why Choose Zarro Mortgage Group for Your Home Loans in Martin County?
As a local mortgage lender in Martin County, we understand the Treasure Coast market and offer personal guidance you won’t get from national banks
Our local expertise and years of experience make us one of the top lenders for home loans in Martin County, St. Lucie County and the Treasure Coast.
Fast Approvals
Get pre-approved in as little as 24 hours with our streamlined process.
Expert Guidance
Our experienced loan officers guide you through every step of the journey.
Competitive Rates
We shop multiple lenders to find you the best rates and terms available.
Dedicated Support
Direct access to your loan officer from application through closing.
Latest Articles & Resources
Zarro Mortgage Group is a trusted mortgage lender in Martin County, helping homebuyers find the right financing for every stage of life.
Everything You Need to Know About Getting a Home Loan in Martin County
Buying a home is a big step—but you don’t have to take it alone.
If you’re exploring home loans in Martin County or St. Lucie County, you probably have a few questions—here are answers from our local mortgage experts.Working with a mortgage lender in Martin County ensures faster approvals, competitive rates, and a team that understands your local housing market.
The Zarro Mortgage Group team is here to answer questions, simplify your options, and help you move forward with confidence.
How do I get pre-approved for a home loan in Martin County?
Getting pre-approved with Zarro Mortgage Group is quick and straightforward. Our local lenders will review your credit, income, and goals to help you understand how much you can afford before you start shopping for a home.
What types of mortgage loans are available in Martin County & St. Lucie County?
How much down payment do I need to buy a home?
Why should I work with a local mortgage lender instead of a national bank?
What credit score do I need to buy a home?
Ready to Start Your Home Buying Journey in Martin County & the Treasure Coast?
Take the first step toward homeownership today. Our expert team specializes in home loans in Martin County and is ready to guide you through every stage of the mortgage process with personalized service and local insight.
Fast approvals. Local experts. Trusted on the Treasure Coast.
24-48 Hour
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Top-Rated Mortgage Lender in Martin County