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New Era Lending LLC
Florida mortgage lender
Proudly helping Floridians buy, refinance, and move forward with a simpler, faster mortgage experience - from Miami to Jacksonville and everywhere in between.
top Florida mortgage lender
At New Era Lending, we make getting a home loan in Florida simple, stress-free, and tailored to you — whether you're buying your first home, upgrading to your forever home, or refinancing your current one.
Just clear answers and real people who care about getting you to the closing table.
Just clear answers and real people who care about getting you to the closing table.
GIVING BACK TO TEXANS
For a limited time, we’re waiving processing and admin fees for Texas residents — a $895 value.
No gimmicks. No fine print. Just our way of saying thanks to the state we call home.
Claim Your $895 Texas Savings
Claim Your $895 Texas Savings
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What'sa
new eraOF LENDING?
a
new era
From transparent guidance to faster approvals, we’re redefining the lending experience with technology that simplifies and experts who actually care.
Choose your path
Purchase
Ready to buy your dream home or investment?
We'll help you find the right loan program whether you're buying your first home, upgrading for a growing family, or investing in your future.
Refinance
lower your rate & payment or shorten the life of your loan.
Turn your home's value into real savings or real cash. Whether you want to drop your monthly payment, shorten your loan term, or pull out equity for that kitchen renovation, we make it simple.
Access Your Equity
Turn your home’s value into opportunity.
We make it easy to pull cash from your equity — fast, transparent, and guided by real humans who’ve got your back.
20+YEARS OF EXPERTISE. HOME LOANS IN FLORIDA.
team members
130+
states serving
39
Average days to close
15
modern lending, SOUTHERN values
Be transparent
(no hidden tricks).
Actually care
(crazy idea, right?).
Humanize the process
(you’re not a file folder—you’re a person).
STATES WE SERVE
Texas
List of states
View all states
View less states
Total states: 39
Alabama
Alabama
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
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Arizona
Arizona
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Arkansas
Arkansas
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
California
California
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Colorado
Colorado
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Connecticut
Connecticut
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
District of Columbia
District of Columbia
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Florida
Florida
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Georgia
Georgia
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Idaho
Idaho
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Illinois
Illinois
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Iowa
Iowa
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Kansas
Kansas
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Kentucky
Kentucky
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Louisiana
Louisiana
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Maine
Maine
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Maryland
Maryland
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Michigan
Michigan
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Minnesota
Minnesota
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Mississippi
Mississippi
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Montana
Montana
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Nebraska
Nebraska
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
New Hampshire
New Hampshire
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
New Jersey
New Jersey
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
New Mexico
New Mexico
North Carolina
North Carolina
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
North Dakota
North Dakota
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Ohio
Ohio
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Oklahoma
Oklahoma
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Oregon
Oregon
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Pennsylvania
Pennsylvania
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
South Carolina
South Carolina
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Tennessee
Tennessee
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Texas
Texas
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Vermont
Vermont
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Washington
Washington
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Wisconsin
Wisconsin
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
Wyoming
Wyoming
1500 S Dairy Ashford Rd, Suite 363, Houston, TX, 77077
OUR FOUR-STEP
'NO SURPRISE'
MORTGAGE PROCESS
step 1
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step 2
See your options, clearly
We lay out rates, terms, and payments with the trade-offs (points and fees). You choose what fits your life—and we’ll guide you along the way.
Compare My Options
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step 3
Lock in your rate
Upload your docs securely and e-sign—we’ll tell you exactly what’s needed and why, nothing hidden. Then our underwriting team jumps in the same day to verify income, assets, and property details while keeping you updated (no radio silence).
Start The Process
step 4
You're on your way to close!
We’ll walk you through your Closing Disclosure and final numbers—line by line if you’d like—so there are no surprises. Then it’s time to close: sign in-person or e-close (where available), get your keys (or savings), and move forward knowing we’re still here if you need us.
Start The Process
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FLORIDA'S MORTGAGE LENDER
Florida is one of the most exciting places to buy a home right now. With more inventory hitting the market, easing mortgage rates, and buyers gaining more negotiating power than they've had in years, 2026 is shaping up to be a great time to make your move.
But navigating the Florida housing market — from Miami to Orlando, Tampa to Jacksonville — can feel overwhelming. That's where we come in.
New Era Lending is a mortgage company built on real relationships, not just rate sheets. We take the time to understand your situation, walk you through your options, and get you to the closing table with confidence.
Claim now
Claim Your Savings
What our
clients say
Scott Spitolnick, Florida
We worked with Gale Austin, who is definitely knowledgable and patient. He never hesitated to answer any questions we had and his communication with us was phenomenal. He really made a somewhat daunting process very simple and seamless. Definitely a 5 star experience with him and the New Era Lending team.
Jamie Leija Walthour
Juan and Valerie kept me advised several times a week throughout the complete refinancing process with texts and phone calls above and beyond anyone i have ever dealt with in the past and would highly recommend them to everyone. Thank you again Juan and Valerie for your professionalism, expertise, and experience!
What Florida Homebuyers Should Know in 2026
The Florida housing market is in a real sweet spot for buyers right now. Here's a quick snapshot of what's happening:
What makes Florida home loans different:
- More homes to choose from. Active inventory has risen significantly, giving buyers more options and more room to negotiate.
- Rates are easing. The average 30-year fixed mortgage rate has come down from its recent highs, making monthly payments more manageable.
- Prices are stabilizing. After years of dramatic appreciation, Florida home prices have leveled off — meaning less competition and more time to make the right decision.
- It's a buyer's market in many areas. In markets like Fort Myers, Sarasota, Tampa, and Pensacola, buyers are seeing price reductions and seller concessions.
Learn before you borrow
We get it. Mortgages cause migraines. That’s why we’ve created a library of resources to help guide you home (pun intended).
About us
