For Realtors · Florida
Win more Florida offers with a Verified Readiness Passport
Turn every Florida buyer into a verified, shareable proof-of-readiness. Listing agents verify in 3 seconds — no PDF pre-approval, no "let me check with the lender."
Verified passports
A tamper-proof URL every Florida listing agent can verify in seconds. Beats a static PDF pre-approval every time.
Florida Housing DPA matched
Your buyers get matched to Florida Housing Finance Corporation DPA programs automatically. Show up to a listing meeting knowing the buyer's real budget.
LO handoff protected
Buyers who need an LO get routed to your preferred partner (or ours). Your referral relationship is preserved end-to-end.
What ReadinessIQ knows about Florida's market
Florida Housing Finance Corporation
Programs matched into every buyer's dashboard:
Florida Assist (FL Assist)
Up to $10,000 in 0%-interest deferred DPA on FHA, VA, USDA, or Conventional.
Florida Hometown Heroes
Up to 5% (capped at $35,000) DPA for full-time Florida employees — teachers, healthcare workers, law enforcement, veterans, and more. Massive volume.
HFA Preferred Grants
3–5% grant (non-repayable) for Conventional loans through Florida Housing preferred lenders.
Hometown Heroes caps at 150% of AMI — around $128K–$185K depending on county.
Market context
Highest single-unit FHA cap in Florida: $1,209,750
Miami-Dade
FHA at $1,209,750; Hometown Heroes DPA critical for FL DTI math.
Broward
FHA at $1,209,750; same high-cost designation as Miami-Dade.
Monroe (Keys)
FHA at $1,209,750; insurance can equal the mortgage payment — factor into DTI early.
Orange (Orlando)
FHA at $566,375; Hometown Heroes closes most DPA volume here.
Metros with highest buyer density:
Miami · Orlando · Tampa · Jacksonville · Fort Lauderdale
Realtor FAQ · Florida
- How does a Readiness Passport help my Florida buyer win multiple-offer situations?
- A Readiness Passport is a public, tamper-proof URL a listing agent can verify in 3 seconds. It shows your buyer is verified ready to close up to a specific dollar amount, backed by an underwriter's-level check on credit, income, and funds. In Florida's tight markets it functions as a stronger version of a pre-approval letter — no PDF, no editing, no doubt.
- Do I need my buyer to already have a loan officer to use ReadinessIQ?
- No. Buyers can complete the scorecard on their own. If they don't have an LO, RED hands them off to a Florida-licensed partner LO — your commission and referral relationship are protected in the workflow.
- What Florida down payment assistance is my buyer eligible for?
- ReadinessIQ checks every buyer against Florida Housing Finance Corporation programs including Florida Assist (FL Assist), Florida Hometown Heroes, HFA Preferred Grants. Instead of you tracking AMI caps, you get a match list on the buyer's dashboard the minute they finish the scorecard.
- Where in Florida does ReadinessIQ have the most active buyers?
- Highest buyer density right now: Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale. If you list or show in any of those metros, you'll see the most match volume there — but the platform covers every Florida zip.
- How much does ReadinessIQ cost realtors in Florida?
- Realtor plans start free — up to 5 active buyers with a co-branded Readiness Passport. Producer plan is $49/mo for unlimited buyers, custom domain passport links, and CRM handoff. Team & brokerage plans priced per seat.