Certified Mortgage Planners · Serving Florida, Pennsylvania, and Tennessee Homebuyers
I'm Adam Kofsky, a licensed Mortgage Loan Officer assisting families in Florida, Pennsylvania, and Tennessee find the right loan — whether it is their first home or their 10th investment.
About Adam
Florida Housing Finance Corporation · 2026 Program
If you work in healthcare, education, first response, law enforcement, childcare, or the military, you may qualify for up to $35,000 toward your first home in Florida — as a 0% interest, deferred second mortgage with no monthly payment.
Loan Programs
Every borrower's story is different. Here's the range of programs I work with through Certified Mortgage Planners.
Including Florida Hometown Heroes — programs that help cover the cash needed at closing.
Learn more →VA, USDA, and FHA loan options with flexible qualifying guidelines.
Learn more →For borrowers who don't fit a standard box — self-employed, complex income, and more.
Learn more →Lower your rate, shorten your term, or tap into equity when the numbers make sense.
Learn more →Turn home equity into retirement income while staying in the home you love.
Learn more →Jumbo, renovation, and other niche products for less typical scenarios.
Learn more →Condos, manufactured homes, multi-unit, and other properties standard loans overlook.
Learn more →How It Works
We talk through your goals, timeline, and budget — no obligation, no pressure.
I match you to the right program and get you a pre-approval letter to shop with confidence.
Once you're under contract, I keep your file moving and keep you posted every step.
You sign, you get your keys, and I'm still a call away for whatever comes next.
Mortgage Questions
Every loan scenario is different. These answers are general starting points, and Adam can walk through current program details for your situation.
Start with a conversation about your goals, timeline, income, credit, and budget. Adam can then help identify which loan programs may fit before you complete a full application.
Yes. Adam works with first-time homebuyers and experienced buyers across Florida, Pennsylvania, and Tennessee, including borrowers comparing FHA, conventional, VA, USDA, and assistance options.
Florida Hometown Heroes may help eligible buyers with down payment and closing cost assistance. Program availability, funding, eligibility, and guidelines can change, so Adam can review current details with you.
A refinance may be worth discussing if you want to review your rate, term, monthly payment, or home equity options. The right answer depends on your current loan, goals, costs, and timing.
Certified Mortgage Planners is built around an exceptional client experience, from application to closing and beyond. See what past clients have to say.
Read Client ReviewsOn Camera
A few quick videos on the mortgage process, straight from my TikTok.
Let's Connect
Social Media
I take pride in building friendships through my professional relationships. Please follow me on my hybrid social media — both professional and personal pages — for more information about me and the mortgage industry!
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