Bad Credit Home Loans In Florida:

Yes, our Florida hard money mortgage lenders provide financing solutions for borrowers with bad credit across Florida. We work with both residential and commercial property types for purchase loans and cash-out refinancing. Our Bad credit Florida mortgage lenders can help with solutions that include: Refinancing balloon mortgages, Collection accounts, judgments, adjustable rates, liens, property taxes, judgments, Lis pendens, Claims of lien, Florida tax liens, Bankruptcy, Code violations, Final judgments, Buyouts, Late payments, Tax lien, Department of Revenue, Behind On HOA, Stop-Foreclosure, Probate, Divorce, or Partner buyouts, and more. Our goal is to help Florida borrowers explore financing options during difficult financial situations. While approval is not guaranteed, our team works hard to find solutions for borrowers with credit-related challenges.

Bad Credit Home Loan Situations Welcome:

Bad Credit Florida Mortgage Lenders

Hard Money Florida Loan Amounts • $50,000 to $100 million • Residential & Commerical	Loan-to-Value (LTV) Ratios • Up to 70% on purchases • Up to 75% on refinance Options
Terms • 24 months, extension options available • Interest-only payments • Fair Rates • No prepayment penalty • Escrow may be required	Qualification • Any credit score • Borrower must document ability to pay • Property must be in Florida • No corporate title required • Read More about Florida Hard Money Lenders

Bad Credit Florida Property Types:

*All Information and terms are subject to change without notice.
Call Thomas Martin @ 954-667-9110 for the latest qualifications.

Refinance In Florida With Bad Credit:

Commercial Bad Credit Mortgage Lenders:

Reasons For Bad Credit:

Late/Missed Payments (35% of score): Even one 30-day delinquency can cause a massive drop.
High Credit Card Utilization (30% of score): Maxing out credit cards suggests financial distress.
Negative Public Records: Bankruptcies, foreclosures, and lawsuits remain on public records for 7-10 years.
Accounts in Collections: Delinquent debts sent to collection agencies are treated very seriously.

What Causes Bad Credit?

35% Payment History: This is the most significant factor, as payment history accounts for 35% of FICO scores. A payment 30+ days late can severely damage your score.
30% High Balances On Credit Cards: Using a high percentage of your available credit (generally over 30%) indicates financial stress.
15% Length of Credit History: Statistically, experience with credit accounts tends to make you better at managing debt.\
10% Credit mix: The different types of installment and revolving credit accounts you’ve had and are currently managing
10% New credit: The number of recent credit accounts you’ve opened and applications you’ve made
Defaults, Collections, foreclosures: When debts go unpaid, creditors sell them to collection agencies or “charge off” the account, which remains on reports for (7) years.
Bankruptcy: Filing for bankruptcy is among the most damaging events for credit. Repossessions and foreclosures also significantly lower scores.
Limited Credit History: A short credit history makes it difficult to assess risk, resulting in a lower score.
Closing Old Accounts: This can shorten your credit history and increase your overall credit utilization ratio.
Errors on Credit Reports: Unknown inaccuracies, including late payments or fraudulent accounts.
Unforeseen Circumstances: Medical emergencies or job losses can lead to missed payments and high debt.

What percentage of people have Bad Credit?

Approximately 13% to 16% of Floridians have “poor” or “bad credit”. This means they have a credit or (FICO score of 300–579). Floridians with “fair” credit (up to 669) may face challenges securing favorable Florida mortgage terms, with roughly 30% or more of Floridians facing such challenges. “Bad” credit is often defined as a credit score below 580, which affects the ability to secure financing.

Bad Credit Mortgage Loan Statistics:

Poor Credit (300-579): 13.2%–14.2% of bad credit mortgage applicants.
Fair Credit (580-669): 14.9%–15.5% of bad credit mortgage applicants.
Overall Below Good (<670): Over 29% of bad credit mortgage applicants.
No Score: Roughly 16% of bad credit Florida mortgage applicants lack a traditional credit score.

Reasons People Need Bad Credit Home Loans:

Late/Missed Payments (35% of score): Even one 30-day delinquency can cause a massive drop.
High Credit Card Utilization (30% of score): Maxing out credit cards suggests financial distress.
Negative Public Records: Bankruptcies, foreclosures, and lawsuits remain on public records for 7-10 years.
Accounts in Collections: Delinquent debts sent to collection agencies are treated very seriously

Bad Credit Florida Mortgage Lenders Programs:

In Florida, bad-credit mortgage options are widely available through FHA, VA, and Private Hard Money Lenders. FHA loans allow credit scores as low as 500–580 with down payments of 3.5%–10%. Bad Credit Florida VA (veterans) and USDA (rural) loans also offer flexible options for bad-credit-challenged Florida mortgage applicants, often accepting scores as low as 500–550. Key options include:

FHA Florida mortgage lenders: Minimum 580 score for 3.5% down, or 500-579 for 10% down.
VA Florida mortgage lenders: No minimum score, though many lenders require 550–620.
No Tax Return, Florida mortgage lenders: Specialized, flexible loans with no tax returns.
Hard Money Florida Mortgage Lenders: Equity-based Florida Hard money lenders.
Emergency Florida mortgage lenders – Private Florida mortgage lenders.
Bad Credit Florida mortgage lenders – Common sense bad credit mortgage loan approvals.

Bad Credit Florida Mortgage Considerations:
Down Payment: A larger down payment (10% – 35% down) plus higher closing costs and payment reserves can sometimes compensate for bad credit.
Document Stability: Bad Credit Flroida mortgage lenders prioritize consistent employment and 12–24 months of better payment history over the actual credit score itself.
Rates: Expect higher interest rates and closing costs compared to traditional loans.

What is the easiest Florida mortgage to get with bad credit?

A hard money loan, hard money Florida mortgage lenders don’t require a high credit score or extensive documentation. To get started with a hard money loan, all we need is a government-issued photo ID and proof of cash, assets, and/or equity to ensure monthly payments can be made on time. And of course, we need information about the property.

Florida Bad Credit Condo Lenders

Yes, we have non-warrantable Florida condo lenders that offer: bad credit 600+ Miami, Florida non-warrantable condo lenders with no condo questionnaire, no association budget, No Reserves, No Master Windstorm Insurance, and ITIN Florida Non-Warrantable Condo Lenders serving every city and county in Florida. Refinance your Florida condo with low or no condo reserves. Our private Florida, non-warrantable condo lenders offer condo loans for warrantable and non-warrantable condos, as well as co-ops and condotels, which can be an attractive Florida condo refinance option.

Bad Credit Mortgage Down Payment

Program	Credit	Down Payment Est
FHA	500	10%
VA	500	0
USDA	550	0
Conventional	620	10-25%
Rent To Own	500	5-10%
Private	000	35-40%

Secure A Florida Mortgage With Bad Credit

Down Payment: A minimum 10% down payment is typically needed for scores between 500 and 579.
Documentation: 1099s, W2S, 30 days of pay stubs, 2 months of bank statements, and tax returns.
Timeline: While standard, some specialized lenders can close in as few as 4 to 24 business days.

Bad Credit Florida Mortgage Highlights

Program	Details
Condotels	Max LTV 75% Purchase / 65% Cash-Out Refi
Manufactured Homes	Max LTV 65% Purchase / 60% Refi 1976+ Doublewide on permanent foundation
Short-Term Rentals	Max LTV 75% Purchase / 70% Refi STR comps accepted on 1007
2–4 Units	Max LTV 85% Purchase / 80% Refi
1 Score / No Score	No minimum credit required. Use actual FICO or 700 if none
Loans $4–10M	Jumbo Non-QM available on a case-by-case basis
Credit Down to 600	0x30 mortgage

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 to pick out the home of their choice. This option allows you time to position your credit and finances to qualify for an FHA mortgage.

Bad Credit Mortgage Questions And Answers

Q. Can I get approved for a mortgage with a 500 credit score?
A. Yes, our hard money Florida mortgage lenders have no credit score minimum.

Q. What is the minimum credit score needed for a Florida house?
A. Yes, our hard money Florida mortgage lenders have no credit score minimum.

Q. What raises your credit score the most?
A. Paying bills on time every single month is the single most important factor for improving a credit score, accounting for 35% of the total FICO score. In addition, a settlement for deletion (pay-for-delete) can increase your credit score by 50 to 100+ points. By removing a negative collection account entirely from your credit report, you remove a major damaging factor (which makes up 35% of your score), often leading to significant improvement in your credit score. . Following that, keeping credit utilization below 30% (ideally lower) by paying down revolving debt helps significantly. Consistently doing these two things is the fastest way to build credit.

Q.What is the easiest Florida mortgage to get with bad credit?
A: A hard money loan, hard money Florida mortgage lenders don’t require a high credit score or extensive documentation. To get started with a hard money loan, all we need is a government-issued photo ID and proof of cash, assets, and/or equity to ensure monthly payments can be made on time. And of course, we need information about the property.

Q: Are there Florida mortgage lenders that give loans to people with bad credit?
A: Yes, if you have had a bad credit past and have since recovered, we have lenders that would consider your loan request after 12 months of a timely payment history.

Q: Can I still qualify for a Florida mortgage if I have judgments?

A: A Judgment is considered resolved if the Borrower has entered into a valid agreement and has made timely payments for at least three months. The Borrower cannot prepay.

Q: Can I qualify for a mortgage in Florida if I have a Foreclosure?
A: Case-by-case lenders gernally want a 24-month waiting period with reestablished credit.

Q: Can I qualify for a mortgage in Florida with student loan collections?

Yes, but generally no more than 2×30 on housing and installment tradelines in the last 12 months and no more than 2X60 on revolving credit tradelines in the past 12 months.

Q: Can I refinance a Florida mortgage if I have bad Credit?

Yes, it is possible to refinance if you have a bad credit past, and we can show proof of recovery.

Q: What is the lowest credit score for bad credit Florida mortgage lenders?

Most bad credit Florida mortgage lenders have a 500+ minimum credit score.
Q: What are the tradeline requirements for bad-credit Florida mortgage lenders?
A: An eligible credit report must reflect at least one (1) tradeline and provide at least 12 months of credit history. Generally, 12 months of documented payment history (in good standing) is required.

Credit Score For Bad Credit Mortgages

Keep in mind that bad-credit primary home loans are based on payment history, not credit score-driven. In addition, the listed down payment estimates do not include reserves. Some bad-credit home loans require several future mortgage payments to be deposited into your account after your down payment and closing costs. For example, if the lender wants 6 months’ reserves, that’s equal to 6 months of mortgage payments in your account after down payment and closing costs.

Bad credit Florida mortgage lenders can help you refinance or buy in Florida after foreclosure, bankruptcy, repossession, divorce, tax liens, garnishment, student loan default, judgments, collections 30 days, 60 days, 90 days, and 120 days late payments. You can even refinance your home listed on the MLS for sale. In addition, we work with you until we get you approved. Our Bad Credit Florida home loan takes a more common-sense approach to approvals, based on your payment history, NOT your credit score. We have bad-credit Florida cash-out mortgage lenders who will offer bad-credit cash-out refinance with 500+ Credit, subject to AUS Approval. Exploring government-backed FHA and VA loans, and private Florida bad credit mortgage lenders.

Bad Credit Mortgage Lenders Requirements

CASH	Min 10% payment if your credit score is between 500 and 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.
CREDIT	Minimum 500+ credit score – based on payment history, NOT credit score driven.
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.
COLLATERAL	Single-family homes are multifamily 2-4 units, townhomes, villas, FHA-approved condos, manufactured, and modular homes.
SUMMARY	FHA mortgage loans are the easiest and most affordable loans 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 Alternatives:

FHA Bad Credit Mortgage Lenders – {500+ with 10% down}
USDA Bad Credit Mortgage Lenders – {500+ with 0% down}
VA Bad Credit Florida Mortgage Lenders – {500+ with 0% down}
NON-QM Bad Credit Mortgage Lenders – {500+ with 0% down}
Bad Credit Florida Mortgage Lenders – {500+ with 0% down}
Super Jumbo Bad Credit Mortgage Lenders – {500+ with 10% down}

Payment History Needed To Qualify

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	—

FHA Bad Credit Florida Mortgage Lenders

Florida FHA Mortgage Loans are popular and help bad-credit Florida mortgage applicants qualify with a credit score of 500+. FHA mortgage loans are popular among Florida first-time buyers with low credit scores because they are not credit score-driven and require a lower down payment than a subprime mortgage. Florida Bad Credit VA mortgage lenders provide up to 100% financing for Florida veterans and their families. USDA stands for the United States Department of Agriculture, which also offers 100% Florida home loans to lower-income and rural homebuyers. 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 applicants with bad credit or Florida first-time buyers.

Private Bad Credit Florida Mortgage Lenders

Private Florida mortgage lenders and hard money loans offer a higher-interest-rate option for bad-credit Florida mortgage applicants looking to buy or refinance a home. These loans are offered by private lenders who prioritize the value of the property over credit scores, making them accessible to those with derogatory credit events such as bankruptcies, foreclosures, or other financial challenges.

Private Florida mortgage lenders currently prohibit a creditor from making a higher-priced mortgage loan without regard to the consumer’s ability to repay the loan. The final rule implements sections of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which generally require private Florida bad credit mortgage lenders to make a reasonable, good-faith determination of a mortgage applicant’s ability to repay any consumer bad credit transaction secured by a dwelling and establishes certain protections from liability under this requirement for “qualified mortgages.” The final rule also implements the Dodd-Frank Act, which limits prepayment penalties. Finally, the final rule requires creditors to retain evidence of compliance with the rule for three years after a covered loan is closed.

Manual Underwriting For Bad Credit!

Few Florida mortgage lenders offer manual underwrites. To explain further, AUS and LPA are computer programs that help Florida mortgage lenders determine whether a loan can be sold. The computer program assesses the borrower’s cash, credit, income, and debt-to-income ratio to determine mortgage eligibility. Mortgage loan applications that receive an Automated Underwriting System approval or denial are used to determine whether the loan is eligible for sale. If the loan can be sold, just about any Florida bad credit mortgage lender will make the loan; if not, you will need a manual underwrite.

Compensating Factors Help You Get Approved

Acceptable compensating factors that might help your approval with bad credit include the following:

Reserves – Documented cash reserves equal to or exceeding 3+ months of the total monthly mortgage payments.
Rental History – The new total monthly mortgage payment must not exceed 100, or 5% higher than the previous total monthly housing payment, whichever is less, and there must be a documented 12-month housing payment history with no late payments.
Additional Income – Verified and documented additional income that is not considered effective income.

Understand Credit Score Requirements:

Every Florida mortgage lender has their minimum credit score and payment history requirements. For Conventional mortgage loans sold to Fannie Mae, minimum credit score and Freddie Mac, minimum credit score requirement, there are NO exceptions; minimum 620+ credit score with AUS or LPA automated loan approval!“If you have a credit score below 500, you have some work to do. Bad credit Florida mortgage applicants can check their credit for free once a year at

Annualcreditreport.com – Free pull once a year.
Experian
Credit Karma
Credit Sesame
Regularly checking your credit score helps you learn about what improvements you can make.

Call All Collection Accounts!

This action, by far, will have the greatest impact on increasing your credit score, but it’s sometimes hard to achieve; either way, it’s worth a shot. Call all collection accounts listed on your credit report and ask whether they will accept a settlement to delete the account. 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 the collection is removed when you mail the paid receipt, along with the agreement with the creditor, to the credit agencies.

Lower Your Debt-to-Income Ratio!

Your DTI or debt-to-income (DTI) 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, aim to pay down as many revolving accounts as possible first because revolving accounts help to increase your score faster. And any installment account with fewer than 10 months of remaining payments can be excluded from your monthly Debt-to-Income Ratios.

Private Florida Mortgage Lenders For Bad Credit!

A private Florida mortgage lender might help. But Frank Dodd mortgage rules require all Florida bad credit mortgage lenders to verify your ability and willingness to repay a mortgage loan on a primary home. For a primary home purchase, even Florida loan sharks are capped on how much they can lend to borrowers with bad credit.

Letter Of Explanation To Help Get You Approved!

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 a good payment history after the credit event for this to work.

Does a Lower Credit Score Affect the Interest Rate?

Yes, a lower credit score will impact your interest rate. When you have a lower credit score, 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 are backed by the U.S. Department of Housing and Urban Development (HUD) and provide more opportunities for borrowers with lower credit scores.

Does a Lower Credit Score Affect the 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 close your loan.

All Florida Bad Credit Mortgage Lenders:

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 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	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

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