Bad Credit Business Florida Mortgage Lenders

Florida Bad Credit Business Loans

Yes, we have bad-credit Florida bad credit business lenders who offer solutions and options for business loans with bad credit. Private Florida “second chance” business: Florida business lenders for borrowers with significant bad credit, including recent bankruptcies or foreclosures, 30-60-90-day late payments. And we also have Hard Money Florida mortgage lenders that focus on cash flow and or equity.

Florida Bad Credit  Mortgage Lenders
We cannot help everyone with bad credit, but we will try.

Florida Business Loan Mortgage Lenders

Hard Money Bad Credit Mortgage Examples:

Business Loans For Bad Credit In Florida

Florida bad-credit business lenders take a common-sense approach to loan approval, focusing on cash flow, revenue, and time in business rather than bad credit scores. Key criteria include at least $20,000–$40,000 in monthly revenue, 12+ months in business, proof of stable, predictable bank deposits, and available collateral. They often accept personal credit scores below 500.

Florida Bad Credit Business Loan Critera

• Monthly Revenue & Cash Flow: The most important factor; lenders, particularly alternative lenders, check bank statements for consistent, daily or monthly revenue to ensure repayment capacity, often requiring $20k–$40k per month.
• Time in Business: Florida bad credit business lenders prefer at least 12+ months of operating history.
• Personal Credit Score (500–580+): While low, scores typically need to be above 500-550 to qualify for most bad credit products, according to Bankrate and Crestmont Capital.
• Collateral: Florida bad credit business lenders may require physical assets (equipment, vehicles) or invoices to secure the loan and minimize risk, as explained by Credibly and Crestmont Capital.
• Bank Statements: 6-12 months of bank statements are reviewed to analyze stable, predictable cash flow consistency and overdrafts.Additional Factors Considered

Considerations: Florida Bad Credit Business Loans

• Purpose of Loan: Florida business loan lenders look for a clear, sound business purpose for the funds, according to Small Business Administration (.gov) and Bankrate.
• Industry Risk: Certain industries are considered higher risk, which can affect loan terms.
• Existing Debt: Must prove ability to repay or provide collateral. High debt loads can reduce the likelihood of a business loan approval.
• No Active Bankruptcies: Many lenders require at least one year to have passed since a discharged bankruptcy.
• Typical Terms for Bad Credit Financing
• Higher Rates/Fees: High Costs can be high; look for annual percentage rates (APR) or factor rates. Industry Risk: Certain industries are considered higher risk, which can affect loan terms, with fees exceeding 5% of the loan value.
• Shorter Terms: Repayment windows often range from 6 to 36 months,

Commercial Property Types Include:

• Eligible Property Types include all types of Commercial Real Estate:
• Offices
• Retail shopping centers,
• warehouse facilities, and
• industrial manufacturing plants.
• Special Purpose Properties:
• Unique facilities like
• amusement parks,
• bowling alleys,
• car washes,
• cemeteries,
• clubhouses,
• cold storage,
• dormitories,
• farms,
• funeral homes,
• golf courses,
• marinas,
• nursing homes, and
• wineries,
• hostel
  • Residential Investment
  • Multifamily
  • Hotels
  • Apartments
  • Vacation Homes
  • Condominiums
  • Multifamily
  • Retail
  • Mixed-Use
  • Office
  • Single-Tenant
  • Special-Use
  • Assisted Living
  • Automotive
  • Self-storage
  • Mobile Home Park
  • Owner-User
  • Industrial
  • Gas Station
  • Rental Portfolio
  • Hospital
  • Marina
  • Senior Housing
  • Car Dealership

Florida Asset-Based  Bad Credit Mortgage

Bad Credit Mortgage Examples:

No Tax Return Bad Credit Mortgage Options:

Home Loan No Tax Returns =OK                1099 mortgage Lenders = OK               3 Months Bank Statement = OK

Self-Employed Less than 1 year = OK         VOE Only Mortgage  = OK                   Asset Depletion = OK

ITIN No Tax return mortgage = OK              Nonresident No Tax Return = OK          Pledged Assets = OK

Asset Depletion or Pledged = OK                Business Profit Loss = OK                    DSCR Rental Income = OK

No Doc, No W2, No Tax Return = OK         Bank Statement Deposits = OK             Jumbo No Tax Returns = OK

NO Tax Return Short Term Rental = OK    No Income Investor Refinance = OK     Condo Refi No Tax Returns = OK

Estate Refinance NO Tax Return =  OK      No Income Refinance = OK               Condo Cashout No Tax Returns = OK

All programs subject to change. Call Thomas Martin 954-667-9110 for more info.

Bad Credit Refinance Before Probate In Florida

Yes, you can refinance an estate before probate on non-homestead property in Florida. Getting a cash-out refinance with bad credit before probate typically involves a specialized Florida probate refinance lender. This cash-out before probate option is generally available to an heir or beneficiary who is waiting to receive their distribution from an estate that is tied up in the lengthy probate process. Cash-out before probate in Florida works on non-homestead Florida property. 

Bad Credit Florida HELOC Mortgage Lenders –

Our standalone bad credit Florida HELOC (Home Equity Line of Credit) is a revolving line of credit secured by your home’s equity that is independent of your primary mortgage. Unlike traditional “piggyback”, bad credit HELOCs are not tied to a specific first mortgage, allowing you to change lenders, refinance your primary mortgage, or even hold the HELOC without a primary mortgage.

Reasons People Need Bad Credit Florida Mortgage Lenders

• Accounts in Collections, Charge-offs, or Defaults: If creditors are unable to collect payment, the debt is sent to a collection agency or charged off as a loss. These collection accounts can remain on a report for seven years or more.
• Co-signing Loans: Co-signing a loan means you’re responsible for the debts if the primary borrower fails to pay, you are responsible for the account.
• Bankruptcy or Foreclosure Filings: These legal processes for dealing with unmanageable debt are among the most damaging events to a credit score, staying on a report for up to 10 years.
• Late or Missed Payments: This is the single most important factor, accounting for 35% of a FICO score. Even one missed payment that is 30 days or more past due can significantly damage your score.
• High Credit Utilization: Using a large percentage of your available credit limit. Lenders prefer to see a ratio of 30% or less; maxing out credit cards suggests financial strain and is a significant factor in a low score.

Condo Hotel Bad Credit Florida Mortgage

Bad Credit Florida Mortgage Options

Fast Free Florida Mortgage Consultation:

If you haven’t filed your taxes, you can still obtain a mortgage in Florida without tax returns. These Florida mortgage lenders’ programs allow you to qualify using alternative documents instead of traditional tax returns. Our home loan programs, designed for self-employed individuals, enable you to get pre-approved and qualify using alternative income options to purchase or cash-out refinance a home in Florida. 

Self-Employed Bad Credit Mortgage Lenders

Self-Employed Florida Bad Credit Mortgage Lenders

Reasons Homeowners Refinance

In Florida, the most common bills people pay off when refinancing to lower overall debt with a cash-out refinance are high-interest consumer debts, high credit card balances, and high property taxes, insurnace being the primary reason. Due to significant home equity gains in Florida, homeowners frequently use cash-out refinancing to consolidate debt, fund home improvements, or manage rising living costs. Here are the most common bills paid off during a mortgage refinance in Florida:

Delinquent Property Taxes and Liens: Florida ash-out refinancing is often used to refinance past-due property taxes, IRS liens, or HOA/COA liens.

Cashout Mortgage Refinance To Buyout A Partner: Yes, you can use a Florida buyout agreement to divorce, refinance, or refinance a Florida real estate partner, or refinance to buy out family heirs with a Florida buyout agreement. 

BuyOut-Divorce Florida Mortgage Refinance: Yes, you can Florida divorce refinance to buy out a partner with a Florida Divorce BuyOut agreement. In this situation, Florida property owners agree to refinance to buy out the spouse, usually in exchange for a cash-out or Divorce BuyOut refinance to complete the Florida divorce settlement.

Medical Bills: High-interest medical debt is often consolidated to reduce interest payments. High-Interest Credit Cards: This is the most common debt cleared, as borrowers swap 15–20%+ interest rate debt for lower mortgage interest rates.

Personal Loans and Unsecured Loans: Used to consolidate smaller, high-interest loans into one lower, monthly payment.

Auto Loans: With car prices remaining high, many Florida homeowners, particularly in areas like Miami, use refinanced cash to pay off large auto loans, with reports showing significant reductions in this debt after refinancing.

Home Improvements & Repairs: A major use of funds is for renovations, including roof replacements, HVAC systems, and kitchen/bath remodels to increase home value.

Self-Employed No Tax Return Mortgage Options

Home Loan No Tax Returns =OK                1099 mortgage Lenders = OK               3 Months Bank Statement = OK

Self-Employed Less than 1 year = OK         VOE Only Mortgage  = OK                   Asset Depletion = OK

ITIN No Tax return mortgage = OK              Nonresident No Tax Return = OK          Pledged Assets = OK

Asset Depletion or Pledged = OK                Business Profit Loss = OK                    DSCR Rental Income = OK

No Doc, No W2, No Tax Return = OK         Bank Statement Deposits = OK             Jumbo No Tax Returns = OK

Bad Credit Florida Home Loan Options

Bad credit mortgage lenders offer options for purchasing or refinancing, including FHA and VA loans, as well as manual underwriting in Florida for individuals with bad credit. We assist applicants with challenging credit histories, including past foreclosures, judgments, collections, repossessions, divorces, tax liens, garnishments, student loan defaults, and late payments ranging from 30 to 120 days. We can also help with refinancing for those in Chapter 13 bankruptcy. Additionally, if your home is listed on the MLS for sale, you can even cash out and refinance. Our Rent-to-Own Florida Bad Credit Mortgage Lenders allow you to choose a home listed for sale on the MLS and rent it while building equity. Collaborating with an experienced bad credit lender can help you improve your credit score quickly. While we cannot assist everyone, we will make every effort to help you.

Bad Credit Florida FHA Mortgage Lenders

Rent To Own With Bad Credit In Florida

Rent To Own Florida FHA Mortgage Lenders- Our Rent Own Florida FHA Mortgage Lenders allow you to select your ideal Florida rent-to-own home. This innovative rent-to-own program is designed for individuals with bad credit in Florida, enabling them to get pre-approved and choose a rent-to-own property that suits their needs. Click Here to Read More About Florida Rent-to-Own Homes For Sale.

Bad Credit Florida Mortgage Options Include:

• Rent To Own – Pick your own Florida home and rent to own. 
• Mortgage with 30-60-90 day late payments –
• Refinance Florida past due HOA
• Refinance Florida Lis Pendens –
• Refinance Florida Claim of lien –
• Refinance To Pay Florida Tax Lien –
• Refinance Florida Code Violations –
• Refinance Florida Final Judgment –
• Buy-Out-Florida Mortgage Refinance
• Refinance Florida Department of Revenue Warrant
• Stop Foreclosure Bad Credit Florida Mortgage Lenders
• Refinance Florida Homeowners Association Lis Pendens
• Refinance To Payoff Medical Bills in Florida
• Refinance Bad Credit Florida Partner Buyout 
• Hard Money Florida Mortgage Lenders For Bad Credit

Florida Property Types Not Limited To:

• Single-family home – No Tax Return Mortgage Lenders
• Condo – No Tax Return Florida Condo Mortgage Lenders
• Luxury Jumbo – No Tax Return Mortgage Lenders  
• Townhouse – No Tax Return Mortgage lenders 
• Villa – No Tax Return Florida Mortgage Lenders 
• Manufactured home – No Tax Return Mortgage Lenders  
• Co-op – No Tax return, Florida Mortgage Lenders 
• Condotel  – No Tax Return Mortgage Lenders 
• Investor Loans- No Tax Return Mortgage lenders 
• Multi-Family – No Tax Return Florida Mortgage Lenders 
• Commercial – No Owner Occupied- Condotel

Waiting Periods After Bad Credit Issues

Loan Program	Chapter 7	Chapter 13	Foreclosure
Conventional	4 Years	2 years from discharge	7 years
USDA	3 Years	1 Year	3 years
FHA	2 Years	1 Year	3 years
VA	2 Years	1 Year	2 years
Non QM	Case by case	Case by case	Case by case
Private	Case by case	Case by case	Case by case
Rent To Own	Case by case	12 months’ payment history	Case by case

Rent To Own Florida Homes For Sale

Our Rent Own Florida FHA Mortgage Lenders allow you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS and rent while you build equity. This unique rent-to-own Florida FHA mortgage program allows bad credit Florida mortgage applicants to first get pre-approved and then pick out the home of their choice. This option allows you time to position your credit and finances to qualify for an FHA mortgage. A HUD-approved non-profit government Florida mortgage lender buys you the Florida home of your choice and enters into a Structured Financing Agreement that allows you to complete the home purchase when you are ready. The pr approval is based on down payment and payment history, and the minimum credit score is 500+ for a 10% down payment and 580+ for a 3.5% down payment. This rent-to-own FHA mortgage program allows the Florida home Seller to pay up to 6% toward closing costs and prepaid items. 

What are the minimum requirements regarding payment history when approving bad credit mortgage applicants?

Answer – Bad credit mortgage lenders must examine the Borrower’s overall pattern of credit behavior, not just isolated late payments, to determine the Borrower’s creditworthiness.  The underwriter must evaluate the Borrower’s payment histories in the following order: previous housing expenses and related expenses, including utilities; installment debts; and revolving charge accounts. Bad credit mortgage lenders must consider a mortgage applicant to have an acceptable payment history if the borrower has made all housing and installment debt payments on time for the previous 12 months and no more than 2 two 30-day late mortgage or installment payments in the previous 24 months. A Borrower who was granted a Mortgage Payment Forbearance and continues to make payments as agreed under the terms of the original Note is not considered delinquent or late and shall be treated as if not in forbearance, provided the Forbearance is terminated, or before closing. The underwriter may approve the Borrower with an acceptable payment history if the Borrower has no major derogatory credit on revolving charge accounts in the previous 12 months. Major derogatory credit on revolving charge accounts must include any payments made more than 90 Days after the due date, or three or more payments made more than 60 Days after the due date. If a Borrower’s credit history does not reflect satisfactory credit as stated above, the Borrower’s payment history requires additional analysis. The Mortgagee must analyze the Borrower’s delinquent accounts to determine whether late payments were based on disregarding financial obligations, an inability to manage debt, or extenuating circumstances.  The Mortgagee must document this analysis in the mortgage file. Any explanation or documentation of delinquent accounts must be consistent with other information in the file.  An underwriter may only approve a Borrower with a credit history not meeting the satisfactory credit history described above if the underwriter has documented that the delinquency was related to extenuating circumstances. For additional information, see FHA Handbook 4000.1 II.A.5.a.iii available at https://www.hud.gov/hud-partners/single-family-handbook-4000-1

FHA Rent To Own 4C Checklist

1. CASH	Min 10%  downpayment if your credit score is between 500-579.  The maximum seller-paid closing cost of 6% must be requested in your purchase contract. Reserves can help your chances of approval with bad credit. Bad Credit Cashout Refinance with 500+ Credit, subject to AUS Approval.
2. CREDIT	Minimum 500+ credit score – based on payment history, NOT credit score driven.
3. CAPACITY	31/43 can go up to 37/47 with 3 months of reserves, and 40/50 if your new mortgage is no more than 5% of your current rental history.
4. COLLATERAL	Single Family,  multi-family 2-4 units, townhomes, villas, FHA-approved condos, manufactured, modular homes.
SUMMARY	FHA mortgage loans are the easiest most affordable loan to qualify for. In regards to bad credit, you must show ability and willingness to repay to qualify with a bad credit Florida mortgage lender.

Bad Credit Florida Mortgage Down Payment:

FHA Bad Credit Mortgage Lenders – {500+ with 10% down}

USDA Bad Credit Mortgage Lenders – {550+ with 0% down}

VA Bad Credit Florida Mortgage Lenders – {550+ with 0% down}

NON-QM Bad Credit Mortgage Lenders– {600+ with 35% down}

Bad Credit Florida Mortgage Lenders – {500+ with 50% down}

Super Jumbo Bad Credit Mortgage Lenders – {500+ with 70% down}

Downpayment options are subject to change. Bad credit approvals are based on payment history and not credit score-driven. The borrower must show ability and willingness to repay.

Bad Credit Florida Mortgage Lenders Downpayment

Subject To The Lender’s Final Approval

Most likely, you will need at least 12 months of timely payment history with NO 30,60,90 days late payments.

All past collection accounts must be settled to show a zero balance, meaning paid in full.

12 months of timely Rental History – Most lenders require canceled checks, wire transfers, and or VOR verification completed by a management company. NO Private landlords.

Florida Credit Mortgage Verification Of Rent

Satisfactory Payment History Needed

For the FHA Bad Credit manual, underwriting guidelines typically allow for no more than two 30-day late payments within the last 24 months. Here’s a breakdown:

24-Month History:

FHA manual underwriting assesses your payment history within the 24 months preceding the purchase contract.

30-Day Late Payments:

You can have a maximum of two 30-day late payments on housing and installment loans during this period.

60-day late payments:

You can have a maximum of two 60-day late payments on revolving accounts during this period.

90-day late payments:

You can have a maximum of zero 90-day late payments on revolving accounts during this period.

Major Derogatory Credit:

Major derogatory credit on revolving accounts includes any payments made more than 90 days after the due date or three or more payments made more than 60 days after the due date.

12 Months of On-Time Payments:

If you have late or missed payments in the last 12 months, consider waiting until you have 12 full months of on-time payments before applying for an FHA mortgage..

Payment History	12 Months	24 Months
Housing And Installment  Maximum Late Payments	2 x 30	2 x 30
Revolving Credit Maximum Late Payments	2 x 60    ,     0 x 90	—

Florida No Tax Return FHA Mortgage Lenders

To qualify for an FHA mortgage loan in Florida without tax returns, you must be a W2 employee, your commission and bonus income must be less than 25% of your total income, and you should NOT own any rental properties. If your bonus or overtime exceeds 25% of your total income or you own investment properties, you must submit tax returns. Florida FHA mortgage lenders make homeownership exciting because, as a W2 employee, you do NOT need to provide your tax returns to qualify for an FHA mortgage. For W2 employees, income qualifying requires 2 years of W2s, 30 days of pay stubs, and 2 months of bank statements.

Bad Credit Florida FHA Mortgage Lenders

Florida FHA Mortgage Loans are popular and help bad credit Florida mortgage applicants qualify with a 500+ credit score. FHA mortgage loans are popular for bad-credit Florida first-time buyers with low credit scores because they are not credit score-driven and require a lower downpayment than a subprime Florida Bad Credit Mortgage Lender.  Florida Bad Credit VA mortgage lenders provide up to 100% financing for Florida veterans and their families. USDA is short for the United States Department of Agriculture also provides 100% Florida home loans for lower-income and rural homebuyers. Florida Mortgage Lenders.com bad credit Florida mortgage lenders, based on payment history, are Not Credit Score-driven.

The FHA insured 82% of Florida first-time home buyers with credit scores below 680 and down payments under 5%, according to its 2025 FHA annual mortgage report. First-time homebuyers made up 82% of total loans, around 498,000, making the FHA mortgage the most popular mortgage for Florida mortgage for applicants with bad credit or Florida first-time buyers.

Rent To Own Florida FHA Mortgage Program 

Rent Own FHA Mortgage Lenders program turns renters into future Florida homeowners by offering a lease-to-own solution with earned equity. This unique program allows homebuyers to rent to own, not as ordinary “renters” but as future homeowners, while building equity and positioning their credit and financials for an FHA mortgage lender, FHA Eligible Government Entity, to purchase a home that can ultimately be purchased by you, providing housing stability and equity creation. This program is great if you’re close to qualifying for an FHA mortgage but need more time to get your credit and finances in order.

Bad Credit Letter Of Explanation Could Help

Explain to the lender what happened that you could not control and why this will not happen again going into the future. You must have good payment history after the credit even for this to work.

Does Bad Credit Affect My Interest Rate?

Yes, a lower credit score means a higher interest rate. When you have a lower credit score, Florida bad credit mortgage lenders will increase your interest rate to compensate for the higher risk.  In the same way, a higher credit score shows you a lower risk and will help you earn a better rate.  Government loans backed by the FHA  provide more opportunities for borrowers with lower credit scores. You can get approved for FHA with a 500+ credit score.

Does Bad Credit Affect My Closing Costs?

Your lower credit scores will affect your closing costs because bad credit Florida mortgage lenders often charge points to help offset the increased risk.  Discount points are a way for you to qualify with a bad credit lender if your loan request is considered higher risk. If your credit score results in a higher rate, you may decide to buy discount points to lower it. Sometimes, you can finance the costs of discount points into your mortgage loan amount. Other times, you may be required to pay them to get your loan closed.

Call Creditors To Resolve Bad Credit Issues

This action, by far, will have the greatest impact on increasing your credit score, but it is sometimes hard to achieve; either way, it’s worth a shot. Call all your collection accounts on your credit report and ask if they will accept a settlement for deletion. In the collector’s eyes, they would rather get something than nothing. And, if they agree to remove the collection, you will want to get the agreement in writing first before you pay. This will help ensure that the collection will be removed when you mail the paid receipt with the agreement with the creditor to the credit agencies.

Lower Your (DTI)Debt Income Ratio!

Your DT, I or debt-to-income (DT, I) ratio to increase your credit score. Your Debt-to-income ratio compares your monthly debt payments to your monthly income. The lower your DTI ratio, the higher your credit score, and the more appealing you are to a Florida bad credit mortgage lender. To increase your credit score before applying for a mortgage, pay down as many revolving accounts as possible first because revolving accounts help to increase your score faster. And, any installment account with less than 10 months of remaining payments can be negated from your monthly Debt-to-Income Ratios.

Bad Credit No Tax Return Florida  Locations:

Alachua	Alachua County
Alford	Jackson County
Altamonte Springs	Seminole County
Altha	Calhoun County
Anna Maria	Manatee County
Apalachicola	Frankin County
Apopka	Orange County
Arcadia	DeSoto County
Archer	Alachua County
Astatula	Lake County
Atlantic Beach	Duval County
Atlantis	Palm Beach County
Auburndale	Polk County
Aventura	Miami-Dade County
Avon Park	Highlands County
Bal Harbor	Miami-Dade County
Baldwin	Duval County
Bartow	Polk County
Bascom	Jackson County
Bay Harbor Islands	Miami-Dade County
Bay Lake	Orange County
Bell	Gilchrist County
Belle Glade	Palm Beach County
Belle Isle	Orange County
Belleair	Pinellas County
Belleair Beach	Pinellas County
Belleair Bluffs	Pinellas County
Belleair Shore	Pinellas County
Belleview	Marion County
Beverly Beach	Flagler County
Biscayne Park	Miami-Dade County
Blountstown	Calhoun County
Boca Raton	Palm Beach County
Bonifay	Holmes County
Bonita Springs	Lee County
Bowling Green	Hardee County
Boynton Beach	Palm Beach County
Bradenton Beach	Manatee County
Bradenton	Manatee County
Branford	Suwannee County
Briny Breezes	Palm Beach County
Bristol	Liberty County
Bronson	Levy County
Brooker	Bradford County
Brooksville	Hernando County
Bunnell	Flagler County
Bushnell	Sumter County
Callahan	Nassau County
Callaway	Bay County
Cambelton	Jackson County
Cape Canaveral	Brevard County
Cape Coral	Lee County
Carrabelle	Frankin County
Caryville	Washington County
Casselberry	Seminole County
Cedar Grove	Bay County
Cedar Key	Levy County
Center Hill	Sumter County
Century	Escambia County
Chattahoochee	Gadsden County
Chiefland	Levy County
Chipley	Washington County
Cinco Bayou	Okaloosa County
Clearwater	Pinellas County
Clermont	Lake County
Clewiston	Hendry County
Cloud Lake	Palm Beach County
Cocoa	Brevard County
Cocoa Beach	Brevard County
Coconut Creek	Broward County
Coleman	Sumter County
Cooper City	Broward County
Coral Gables	Miami-Dade County
Coral Springs	Broward County
Cottondale	Jackson County
Crawfordville	Wakulla County
Crescent City	Putnam County
Crestview	Okaloosa County
Cross City	Dixie County
Crystal River	Citrus County
Dade City	Pasco County
Dania Beach	Broward County
Davenport	Polk County
Davie	Broward County
Daytona Beach	Volusia County
Daytona Beach Shores	Volusia County
DeBary	Volusia County
Deerfield Beach	Broward County
DeFuniak Springs	Walton County
DeLand	Volusia County
Delray Beach	Palm Beach County
Deltona	Volusia County
Destin	Okaloosa County
Doral	Miami-Dade County
Dundee	Polk County
Dunedin	Pinellas County
Dunnellon	Marion County
Eagle Lake	Polk County
Eatonville	Orange County
Ebro	Washington County
Edgewater	Volusia County
Edgewood	Orange County
El Portal	Miami-Dade County
Esto	Holmes County
Eustis	Lake County
Everglades City	Collier County
Fanning Springs*	Gilchrist County
Fanning Springs*	Levy County
Fellsmere	Indian River County
Fernandina Beach	Nassau County
Flagler Beach	Flagler County
Florida Bad Credit City	Miami-Dade County
Fort Lauderdale	Broward County
Fort Meade	Polk County
Fort Myers Beach	Lee County
Fort Myers	Lee County
Fort Pierce	St. Lucie County
Fort Walton Beach	Okaloosa County
Fort White	Columbia County
Freeport	Walton County
Frostproof	Polk County
Fruitland Park	Lake County
Gainesville	Alachua County
Glen Ridge	Palm Beach County
Glen Saint Mary	Baker County
Golden Beach	Miami-Dade County
Golf	Palm Beach County
Golfview	Palm Beach County
Graceville	Jackson County
Grand Ridge	Jackson County
Green Cove Springs	Clay County
Greenacres	Palm Beach County
Greensboro	Gadsden County
Greenvilee	Madison County
Greenwood	Jackson County
Gretna	Gadsden County
Groveland	Lake County
Gulf Breeze	Santa Rosa County
Gulf Stream	Palm Beach County
Gulfport	Pinellas County
Haines City	Polk County
Hallandale	Broward County
Hampton Beach	Bradford County
Hastings	St. Johns County
Havana	Gadsden County
Haverhill	Palm Beach County
Hawthorne	Alachua County
Hialeah	Miami-Dade County
Hialeah Gardens	Miami-Dade County
High Springs	Alachua County
Highland Beach	Palm Beach County
Highland Park	Polk County
Hillcrest Heights	Polk County
Hilliard	Nassau County
Hillsboro Beach	Broward County
Holly Hill	Volusia County
Hollywood	Broward County
Holmes Beach	Manatee County
Homestead	Miami-Dade County
Horseshoe Beach	Dixie County
Howey-in-the-Hills	Lake County
Hupoluxo	Palm Beach County
Indialantic	Brevard County
Indian Creek	Miami-Dade County
Indian Harbour Beach	Brevard County
Indian River Shores	Indian River County
Indian Rocks Beach	Pinellas County
Indian Shores	Pinellas County
Inglis	Levy County
Interlachen	Putnam County
Inverness	Citrus County
Islamorada	Monroe County
Islandia	Miami-Dade County
Jacksonville Beach	Duval County
Jacksonville	Duval County
Jacob	Jackson County
Jasper	Hamilton County
Jay	Santa Rosa County
Jennings	Hamilton County
Juno Beach	Palm Beach County
Jupiter	Palm Beach County
Jupiter Inlet Colony	Palm Beach County
Jupiter Island	Martin County
Kenneth City	Pinellas County
Key Biscayne	Miami-Dade County
Key Colony Beach	Monroe County
Key West	Monroe County
Keystone Heights	Clay County
Kissimmee	Osceola County
La Crosse	Alachua County
LaBelle	Hendry County
Lady Lake	Lake County
Lake Alfred	Polk County
Lake Buena Vista	Orange County
Lake Butler	Union County
Lake City	Columbia County
Lake Clarke Shores	Palm Beach County
Lake Hamilton	Polk County
Lake Helen	Volusia County
Lake Mary	Seminole County
Lake Park	Palm Beach County
Lake Placid	Highlands County
Lake Wales	Polk County
Lake Worth	Palm Beach County
Lakeland	Polk County
Lantana	Palm Beach County
Largo	Pinellas County
Lauderdale Lakes	Broward County
Lauderdale-by-the-Sea	Broward County
Lauderhill	Broward County
Laurel Hill	Okaloosa County
Lawtey	Bradford County
Layton	Monroe County
Lazy Lake	Broward County
Lee	Madison County
Leesburg	Lake County
Lighthouse Point	Broward County
Live Oak	Suwannee County
Longboat Key*	Sarasota County
Longboat Key*	Manatee County
Longwood	Seminole County
Lynn Haven	Bay County
Macclenny	Baker County
Madeira Beach	Pinellas County
Madison	Madison County
Maitland	Orange County
Malabar	Brevard County
Malone	Jackson County
Manalapan	Palm Beach County
Mangonia Park	Palm Beach County
Marathon	Monroe County
Marco Island	Collier County
Margate	Broward County
Marianna	Jackson County
Marineland*	St. Johns County
Marineland*	Flagler County
Mary Esther	Okaloosa County
Mascotte	Lake County
Mayo	Lafayette County
McIntosh	Marion County
Medley	Miami-Dade County
Melbourne	Brevard County
Melbourne Beach	Brevard County
Melbourne Village	Brevard County
Mexico Beach	Bay County
Miami Beach	Miami-Dade County
Miami Gardens	Miami-Dade County
Miami Lakes	Miami-Dade County
Miami Shores Village	Miami-Dade County
Miami Springs	Miami-Dade County
Miami, Florida, Bad Credit	Miami-Dade County
Micanopy	Alachua County
Midway	Gadsden County
Milton	Santa Rosa County
Minneola	Lake County
Miramar	Broward County
Monticello	Jefferson County
Montverde	Lake County
Moore Haven	Glades County
Mount Dora	Lake County
Mulberry	Polk County
Naples	Collier County
Neptune Beach	Duval County
New Port Richey	Pasco County
New Smyrna Beach	Volusia County
Newberry	Alachua County
Niceville	Okaloosa County
Noma	Holmes County
North Bay Village	Miami-Dade County
North Lauderdale	Broward County
North Miami	Miami-Dade County
North Miami Beach	Miami-Dade County
North Palm Beach	Palm Beach County
North Port	Sarasota County
North Redington Beach	Pinellas County
Oak Hill	Volusia County
Oakland	Orange County
Oakland Park	Broward County
Ocala	Marion County
Ocean Breeze Park	Martin County
Ocean Ridge	Palm Beach County
Ocoee	Orange County
Okeechobee	Okeechobee County
Oldsmar	Pinellas County
Opa-locka	Miami-Dade County
Orange City	Volusia County
Orange Park	Clay County
Orchid	Indian River County
Orlando	Orange County
Ormond Beach	Volusia County
Otter Creek	Levy County
Oviedo	Seminole County
Pahokee	Palm Beach County
Palatka	Putnam County
Palm Bay	Brevard County
Palm Beach	Palm Beach County
Palm Beach Shores	Palm Beach County
Palm Beach Gardens	Palm Beach County
Palm Coast	Flagler County
Palm Shores	Brevard County
Palm Springs	Palm Beach County
Palmetto	Manatee County
Palm Harbor	Pinellas County
Palmetto Bay	Miami-Dade County
Panama City	Bay County
Panama City Beach	Bay County
Parker	Bay County
Parkland	Broward County
Paxton	Walton County
Pembroke Park	Broward County
Pembroke Pines	Broward County
Penney Farms	Clay County
Pensacola	Escambia County
Perry	Taylor County
Pierson	Volusia County
Pine Crest	Miami-Dade County
Pinellas Park	Pinellas County
Plant City	Hillsborough County
Plantation	Broward County
Polk City	Polk County
Pomona Park	Putnam County
Pompano Beach	Broward County
Ponce De Leon	Holmes County
Ponce Inlet	Volusia County
Port Ornage	Volusia County
Port Richey	Pasco County
Port St. Lucie	St. Lucie County
Port St. Joe	Gulf County
Punta Gorda	Charlotte County
Quincy	Gadsden County
Raiford	Union County
Reddick	Marion County
Redington Beach	Pinellas County
Redington Shores	Pinellas County
Riviera Beach	Palm Beach County
Rockledge	Brevard County
Royal Palm Beach	Palm Beach County
Safety Harbor	Pinellas County
Saint Leo	Pasco County
San Antonio	Pasco County
Sanford	Seminole County
Sanibel	Lee County
Sarasota	Sarasota County
Satellite Beach	Brevard County
Sea Ranch Lakes	Broward County
Sebastian	Indian River County
Seabring	Highlands County
Seminole	Pinellas County
Sewall’s Point	Martin County
Shalimar	Okaloosa County
Sneads	Jackson County
Sopchoppy	Wakulla County
South Bay	Palm Beach County
South Daytona	Volusia County
Sounty Miami	Miami-Dade County
South Palm Beach	Palm Beach County
South Pasadena	Pinellas County
Southwest Ranches	Bay County
Springfield	Bay County
St. Augustine Beach	St. Johns County
St. Augustine	St. Johns County
St. Cloud	Osceola County
St. Lucie Village	St. Lucie County
St. Marks	Wakulla County
St. Pete Beach	Pinellas County
St. Petersburg	Pinellas County
Starke	Bradford County
Stuart	Martin County
Sun City Center	Hillsborough County
Sunny Hills	Washington County
Sunny Isles Beach	Miami-Dade County
Sunrise	Broward County
Surfside	Miami-Dade County
Sweetwater	Miami-Dade County
Tallahassee	Leon County
Tamarac	Broward County
Tampa	Hillsborough County
Tarpon Springs	Pinellas County
Tavares	Lake County
Temple Terrace	Hillsborough County
Tequesta	Palm Beach County
Titusville	Brevard County
Treasure Island	Pinellas County
Trenton	Gilchrist County
Umatilla	Lake County
Valpariso	Okaloosa County
Venice	Sarasota County
Vernon	Washington County
Vero Beach	Indian River County
Virginia Gardens	Miami-Dade County
Waldo	Alachua County
Wauchula	Hardee County
Wausau	Washington County
Webster	Sumter County
Weeki Wachee	Hernando County
Welaka	Putnam County
Wellington	Palm Beach County
West Melbourne	Brevard County
West Miami	Miami-Dade County
West Palm Beach	Palm Beach County
Weston	Broward County
Westville	Holmes County
Wewahitchka	Gulf County
White Springs	Hamilton County
Wildwood	Sumter County
Williston	Levy County
Wilton Manors	Broward County
Windermere	Orange County
Winter Garden	Orange County
Winter Haven	Polk County
Winter Park	Orange County
Winter Springs	Seminole County
Worthington Springs	Union County
Yankeetown	Levy County
Youngstown	Bay County
Zephyrhills	Pasco County
Zolfo Springs	Hardee County