Florida mortgage loans from Mike & Mike Mortgage Team
Mike & Mike Mortgage Team is a Lake Mary, Florida mortgage team powered by Certified Mortgage Planners. Led by Senior Loan Originator Mike Dunlap, we help Florida buyers, homeowners and real estate investors with purchase loans, refinancing, home equity, DSCR investor loans and condos other lenders turn down.
What are you working on?
Pick the one that fits. If you're not sure, send us the details and we'll point you to the right loan.
Buying a home
Getting ready to buy in Florida and want to know where you stand before you make an offer.
Talk to MikeRefinancing
Thinking about a lower payment, a different term, or moving off an adjustable rate? We'll run the numbers honestly.
Review my loanUsing your equity
See what the equity in property you already own could do, from renovations to your next purchase.
Equity AdvantageInvestment property
DSCR loans qualify on what the rental earns, not your tax returns. Purchase, refinance and short-term rentals.
DSCR loansA condo other lenders turned down
New 2026 rules are pushing more Florida buildings out of conventional financing. Here's what still works.
Non-warrantable condosNot sure yet
Tell us what you're trying to do. We'll tell you straight which options fit and which don't.
Send us the detailsHow it works
No pressure and no runaround. You get a licensed loan originator from the first call.
Tell us the goal
Call, send the form, or start the application. A quick conversation covers what you're buying or refinancing and what matters most to you.
We compare your options
We look at the loan programs that fit your situation and walk you through the trade-offs in plain English.
We see it through to closing
Once you choose, we handle the file, keep you and your Realtor updated, and work through underwriting with you.
Florida condos are getting harder to finance
Fannie Mae and Freddie Mac tightened their condo rules in 2026, and Florida's post-Surfside safety laws keep raising the bar on reserves, inspections and insurance. When a building fails those standards, conventional loans are off the table for every unit in it.
- Limited Review ended August 3, 2026
- Master policy deductibles capped at $50,000 per unit
- Required reserves rise to 15% in January 2027
About Mike Dunlap
Mike Dunlap is a Senior Mortgage Loan Originator, NMLS #1305423, and a U.S. Marine Corps veteran. He leads Mike & Mike Mortgage Team out of Lake Mary, powered by Certified Mortgage Planners, NMLS #210950.
Mike works with first-time buyers, move-up buyers, homeowners refinancing, and real estate investors across Florida. Insurance costs, flood zones, condo rules and county tax swings shape Florida loans more than most places, and they're part of every conversation.
Have a CPA or financial planner? Bring them in. The financing decision works better when it's looked at alongside the bigger picture.
What you can expect
- A licensed loan originator, not a call center
- Straight answers, including when a deal doesn't work
- Same-day responses during business hours
- Options explained before you commit to anything
Common questions
What kinds of loans do you help with?
Home purchase loans, refinancing, home equity, DSCR loans for investment property, and financing for condos in buildings that don't qualify for conventional loans. Available programs depend on your situation and the property.
Where do you lend?
Florida. Our office is in Lake Mary, and we work with buyers, homeowners and investors statewide.
Will you pull my credit just to talk?
No. You can get a read on your situation without a credit pull. Credit is reviewed once you decide to apply.
I'm self-employed or an investor and my tax returns don't show much income. Can I still qualify?
Often, yes. For investment property, DSCR loans qualify on the rental's income instead of your tax returns. Other options depend on the property and your file.
What makes a condo "non-warrantable"?
The building fails Fannie Mae or Freddie Mac standards on reserves, insurance, repairs, litigation or ownership mix. Our condo guide explains the 2026 rule changes and the loans that still work.
How do I get started?
Start the application online, call (321) 624-3746, or send the form below. All loans are subject to underwriting approval.
Send it over. Get a real answer.
Tell us what you're working on. Send it during business hours and you'll hear back the same day.
- Mike Dunlap, Senior Mortgage Loan Originator, NMLS #1305423
- (321) 624-3746
- 615 Crescent Executive Ct, Ste 224, Lake Mary, FL 32746