Can I buy a Florida home with conventional from out of state?
Yes. Out-of-state borrowers regularly purchase Florida properties — second homes, investment, or future-primary purchases. The lender works the file across states, the appraisal happens locally in Florida, and the closing happens via local title company or with remote-online-notarization (RON) where the title underwriter accepts it.
Plain-English explanation
Out-of-state Florida conventional purchases are routine — retirees moving down, second-home buyers, investors. The lender pulls the borrower's credit and income from their domicile state and orders the Florida appraisal and title work locally. Closing options: travel to Florida; remote notarization (Florida allows RON on most conventional closings, but title underwriter acceptance varies); or hybrid in-person/electronic closings. The intent-to-occupy rule applies only when classifying the loan as primary; second-home and investment classifications don't require the borrower to live in Florida.
What can change the answer?
Florida insurance premiums, property tax millage and Save Our Homes rules, county property-appraiser practice, HOA dues, CDD fees, and condo law can change the answer.
Want the real answer for your conventional file?
Conventional guidelines are the rule. Your credit, income, DTI, PMI, LLPAs, and Florida payment math are what decide the actual answer.
More conventional questions on Florida
Educational only. Conventional loan guidelines, lender overlays, rates, fees, PMI, LLPAs, and underwriting requirements can change. Final eligibility depends on full underwriting review.