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Best Mortgage Brokers in Fort Lauderdale

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Affiliated Mortgage Company logo
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License Verified:

License: 244390

Nationwide Multistate Licensing System and Registry

Affiliated Mortgage Company

2605 East Atlantic Boulevard, Pompano Beach, FL 33062
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  • Refinance

Business Description

Affiliated Mortgage Company has been providing lending services to Fort Lauderdale residents since 1991. This local mortgage brokerage firm offers various loan options, including Fannie Mae and Freddie Mac, USDA, VA, FHA, and jumbo loans. It also provides manufactured home financing, no income, investment debt service, foreign national, and recent derogatory event loans. In addition, it provides clients with a list of dos and don'ts during the loan process, which can be found on the company's website.

License Verified:

License: 244390

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Blue Stream Mortgage Group logo
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License Verified:

License: 1813962

Nationwide Multistate Licensing System and Registry

Blue Stream Mortgage Group

1975 East Sunrise Boulevard, Fort Lauderdale, FL 33304
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  • Refinance

Business Description

Blue Stream Mortgage Group is a company that offers mortgage brokerage services to residents of Fort Lauderdale. It is led by Tony Bomis, who began helping clients with their mortgage transactions in 2000. He has since become the VP of Lending for a National Lender and president/owner of a mortgage brokerage. He merged the best parts of these experiences into Blue Stream Mortgage Group with the mission of providing the lowest rates and costs to its clients.

License Verified:

License: 1813962

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Casalina Realty logo
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License Verified:

License: 328262

Nationwide Multistate Licensing System and Registry

Casalina Realty

6280 West Atlantic Boulevard, Margate, FL 33063
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  • New Construction
  • Refinance

Business Description

Established in 2002, Casalina Realty is a professional real estate and mortgage consultancy firm that serves residential and commercial clients in Fort Lauderdale and its nearby areas. It provides a variety of real estate services, including construction, investments, property management, and mortgage application services. Cesar Linares, the firm's CEO, has extensive experience in the field of real estate and the finance industry for over 20 years. Casalina Realty also provides title insurance and accounting services for its clients.

License Verified:

License: 328262

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (25)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Celebrity Mortgage logo
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License Verified:

License: 206978

Nationwide Multistate Licensing System and Registry

Celebrity Mortgage

320 Southeast 11th Street, Fort Lauderdale, FL 33316
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  • New Construction
  • Refinance

Business Description

Celebrity Mortgage is a Fort Lauderdale company helping clients looking to buy or refinance a residential property. With over two decades of combined mortgage experience, its team can walk borrowers through various loan options, including conventional, FHA, VA, and jumbo loans. Additionally, they also provide financing to foreign nationals and handles commercial and hard money lending programs. From application to closing, Celebrity Mortgage's loan originators are dedicated to providing personalized customer service. Moreover, the company can provide services in Spanish.

License Verified:

License: 206978

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Colonial First logo
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License Verified:

License: 382748

Nationwide Multistate Licensing System and Registry

Colonial First

3000 Northeast 30th Place, Fort Lauderdale, FL 33306
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  • Refinance
  • Commercial Loans

Business Description

Colonial First is a mortgage brokerage firm headquartered in Fort Lauderdale. Since its foundation in August 1996, it has been helping homebuyers secure different types of home loans, including fixed-rate, adjustable-rate, jumbo, FHA, VA, and construction loans. Along with residential financing, the team also handles commercial and international lending. Colonial First works with an extensive network of wholesale lenders and financial institutions, giving clients various loan options. The company serves local borrowers and homebuyers across the country.

License Verified:

License: 382748

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Encore Mortgage Funding, Inc. logo
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License Verified:

License: 362848

Nationwide Multistate Licensing System and Registry

Encore Mortgage Funding, Inc.

101 Northeast 3rd Avenue, Fort Lauderdale, FL 33301
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  • New Construction

Business Description

Encore Mortgage Funding, Inc., is a boutique firm in Fort Lauderdale that provides financing options for both home buyers and owners. The company has access to programs from numerous lenders, allowing its team to find products suitable for clients' specific needs. Encore Mortgage Funding was founded by Sheri Garner in 1990. Garner specializes in streamlining the home loan process which involves comparing rates and closing transactions. The broker has appeared in numerous local advertisements for Celebrity Cruise Line and Verizon.

License Verified:

License: 362848

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Federated Mortgage Services Inc. logo
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License Verified:

License: 284131

Nationwide Multistate Licensing System and Registry

Federated Mortgage Services Inc.

925 Intracoastal Drive, Fort Lauderdale, FL 33304
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  • Refinance
  • Reverse Mortgages

Business Description

Federated Mortgage Services Inc. is a mortgage brokerage firm and lender that serves clients in Fort Lauderdale. It offers a variety of loan options for borrowers, including jumbo loans, fixed-rate mortgage loans, conforming interest-only loans, reverse mortgages, and private mortgages. For 35 years, the company has built a reputation for serving the lending needs of mortgage brokers, builders, homebuyers, and real estate professionals. Throughout the lending process, the loan specialists keep clients updated on the status of their loans.

License Verified:

License: 284131

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (9)
Yelp
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Florida Mortgage Solutions Group, Inc logo
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License Verified:

License: 289853

Nationwide Multistate Licensing System and Registry

Florida Mortgage Solutions Group, Inc

1625 North Commerce Parkway, Weston, FL 33326
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  • Refinance

Business Description

Florida Mortgage Solutions Group, Inc., is a mortgage broker and direct lender that serves Fort Lauderdale residents. Its team of mortgage professionals is experienced and approved with Freddie Mac, Fannie Mae, FHA, and VA loans. Its residential loan programs include 15-year and 30-year fixed-rate mortgages, interest-only mortgages, fixed-rate with temporary buydown, fixed-rate balloons, and adjustable-rate mortgages. In addition, Florida Mortgage Solutions Group offers international financing, reverse mortgage, commercial, recent foreclosure, and hard money loans.

License Verified:

License: 289853

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (18)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Gail Guy Scott logo
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License Verified:

License: 222656

Nationwide Multistate Licensing System and Registry

Gail Guy Scott

120 Northeast 51st Street, Fort Lauderdale, FL 33334
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  • Refinance

Business Description

Gail Guy Scott is a senior loan officer at Advanced Mortgage Planners, Inc., who serves clients' mortgage needs in Fort Lauderdale. She has been providing mortgage loan options for customers who want to own a home for more than 15 years. Gail and her team offer mortgage loans for condominiums, single-family homes, residential units, and townhomes. Some of the mortgage products available are home refinancing loans, home purchasing loans, cash-out home loans, FHA loans, and jumbo home loans.

License Verified:

License: 222656

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Grenald Business Solutions Co. - Broward logo
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Grenald Business Solutions Co. - Broward

4747 North Ocean Drive, Fort Lauderdale, FL 33308
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  • Refinance

Business Description

Grenald Business Solutions Co. in Broward is a company of mortgage experts that educates and guides clients in the Fort Lauderdale metro with home financing and mortgage programs. The company was founded in 2005 with the goal of helping residents and foreign nationals with home purchases through loan programs. The firm has access to various conventional loans and government loans through its connections with investors. Grenald Business Solutions has loan officers and staff that can assist Spanish-speaking clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
HomeLife Capital Inc. logo
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License Verified:

License: 222264

Nationwide Multistate Licensing System and Registry

HomeLife Capital Inc.

401 East Las Olas Boulevard, Fort Lauderdale, FL 33301
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  • Refinance

Business Description

HomeLife Capital, Inc., is a mortgage brokerage that serves Fort Lauderdale and its nearby areas. It offers various loan options to independent contractors and self-employed individuals, including bank statement, home, and no tax return loans. Moreover, the firm caters to real estate investors, providing home loan solutions like no-income doc, rental income, and stated-income doc. With over 25 years of experience, HomeLife Capital is headed by Darrin Seppinni, a mortgage veteran and a published author.

License Verified:

License: 222264

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Kerry Salvanto logo
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License Verified:

License: 859223

Nationwide Multistate Licensing System and Registry

Kerry Salvanto

1625 Southeast 17th Street, Fort Lauderdale, FL 33316
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  • Multi-Family Loans

Business Description

Kerry Salvanto is a branch manager and a loan officer at Family First Funding LLC. She serves individuals and families in the community of Fort Lauderdale and its surrounding areas. She provides a wide range of loan programs, including CRA, FHA reverse, VA, 203K renovation, and jumbo loans. She assists customers throughout the entire loan process. Kerry has been active in the mortgage industry for more than 20 years. In addition, she offers new construction and foreign national lending.

License Verified:

License: 859223

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (17)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Monroe Funding Corp logo
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License Verified:

License: 1873548

Nationwide Multistate Licensing System and Registry

Monroe Funding Corp

3015 North Ocean Boulevard, Fort Lauderdale, FL 33308
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  • New Construction
  • Refinance

Business Description

Monroe Funding Corporation offers hard money lending for real estate, conventional mortgage options, and small balance commercial loans throughout Fort Lauderdale. In addition, the company submits pre-approval letters and proof of funds, executes refinancing options, supports capital raising, and secures FHA, jumbo, and veteran loans. Its team also helps people get pre-approved after minutes of passing their applications. Monroe Funding Corporation works with 35,000 clients in Florida. Moreover, it complies with the Fair Housing Act.

License Verified:

License: 1873548

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (52)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Moore Lending Group - Fort Lauderdale Mortgage Lenders logo
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License Verified:

License: 2014654

Nationwide Multistate Licensing System and Registry

Moore Lending Group - Fort Lauderdale Mortgage Lenders

3471 North Federal Highway, Fort Lauderdale, FL 33306
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  • New Construction
  • Refinance

Business Description

Moore Lending Group - Fort Lauderdale Mortgage Lenders specializes in providing comprehensive mortgage lending options to existing homeowners and first-time homebuyers. It is a direct lender of government loan programs, such as VA, USDA, and FHA loans, as well as conventional and jumbo loans. In addition, its team of mortgage advisors can provide guidance to qualified applicants looking to refinance their current mortgage. Moore Lending Group's parent company, Cardinal Financial, has been in the industry since 1987.

License Verified:

License: 2014654

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mortgage Masters Inc. logo
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License Verified:

License: 330508

Nationwide Multistate Licensing System and Registry

Mortgage Masters Inc.

2699 Stirling Road, Fort Lauderdale, FL 33312
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  • Refinance

Business Description

Mortgage Masters Inc. is a mortgage company serving clients in Fort Lauderdale and the surrounding areas. The business has been catering to individuals and businesses in the area for more than 25 years. Its brokers aim to give clients personalized attention, helping them purchase a home, tapping into their home equity, and refinancing their mortgage. They provide a wide range of loan programs, such as government, conventional, jumbo, and VA loans. Mortgage Masters offers reverse mortgages as well.

License Verified:

License: 330508

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (112)
Facebook
5.0 / 5 (15)
Yelp
4.5 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Mutual Mortgage Lending Corporation logo
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License Verified:

License: 1662417

Nationwide Multistate Licensing System and Registry

Mutual Mortgage Lending Corporation

2650 West State Road 84, Fort Lauderdale, FL 33312
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  • Reverse Mortgages

Business Description

Established in 2001, Mutual Mortgage Lending Corp. is dedicated to serving the mortgage needs of residential and commercial clients in Fort Lauderdale, Florida. Among the services they offer are FHA, VA, and USDA mortgage loans. They aim to help their clients get a suitable loan that matches the budget and help make their dream of homeownership a reality. Mutual Mortgage Lending Corp. is backed with more than 50 years of professional experience in the mortgage.

License Verified:

License: 1662417

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
O'Brien Financial Group, Inc. logo
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License Verified:

License: 388313

Nationwide Multistate Licensing System and Registry

O'Brien Financial Group, Inc.

1400 East Oakland Park Boulevard, Fort Lauderdale, FL 33334
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  • Refinance

Business Description

O’Brien Financial Group, Inc., is a mortgage brokerage firm in Fort Lauderdale, serving clients since 1997. Its team of mortgage originators has over 50 years of combined experience. They offer loans programs, such as second home purchase, jumbo, super jumbo, investor, FHA, and VA loans. Additionally, they work on fixed-rate and adjustable-rate mortgages as well as mortgage refinance. A mortgage pre-approval checklist is available on the firm's website. O’Brien Financial Group, Inc., is a member of the Florida Association of Mortgage Professionals.

License Verified:

License: 388313

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Residential Savings Mortgage logo
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License Verified:

License: 159836

Nationwide Multistate Licensing System and Registry

Residential Savings Mortgage

2801 North University Drive, Coral Springs, FL 33065
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  • New Construction
  • Refinance
  • Purchase
  • Consolidation

Business Description

Residential Savings Mortgage is a mortgage brokerage that serves customers in Florida. This business offers various loan options, such as adjustable- and fixed-rate, conventional, FHA, VA and non-conventional mortgages. The other mortgage programs provided includes bank statement loans, non-warrantable condo financing, jumbo loans, and renovation and rehab loans. The team at Residential Savings Mortgage works with various lenders, allowing it to help clients find the right programs that suit their situations.

License Verified:

License: 159836

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.0 / 5 (22)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Solutions Mortgage Lending Group, LLC logo
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License Verified:

License: 1546786

Nationwide Multistate Licensing System and Registry

Solutions Mortgage Lending Group, LLC

6750 North Andrews Avenue, Fort Lauderdale, FL 33309
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  • Refinance
  • Purchase Transactions

Business Description

Solutions Mortgage Lending Group, LLC, is a Fort Lauderdale-based mortgage brokerage firm. It offers conventional loans, portfolio loans, jumbo loans, FHA loans, and VA loans. The company also provides a variety of purchasing and refinancing options tailored to fit the needs of local borrowers. In addition, it has niche programs that include bank statement programs, 12-month bank statement programs, and 24-month bank statement programs. Its team of professionals is dedicated to serving customers with integrity, honesty, and competence.

License Verified:

License: 1546786

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
The Truth About Lending logo
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License Verified:

License: 1054357

Nationwide Multistate Licensing System and Registry

The Truth About Lending

12535 Orange Drive, Davie, FL 33330
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  • Multi-Family Loans

Business Description

The Truth About Lending is a team of residential mortgage specialists with more than two decades of financial expertise. They serve homebuyers in Fort Lauderdale and nearby areas for purchase and refinance loan needs. Having strong connections with various lenders, The Truth About Lending also provides loan options even to borrowers with a recent bankruptcy, short sale, or foreclosure record. The firm is a member of the National Association of Mortgage Brokers and the Florida Association of Mortgage Professionals.

License Verified:

License: 1054357

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (20)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Will Caban logo
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License Verified:

License: 432095

Nationwide Multistate Licensing System and Registry

Will Caban

14750 Northwest 77th Court, Miami Lakes, FL 33016
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  • Refinance

Business Description

Will Caban of Fairway Independent Mortgage Corporation provides customers with quick and accurate financial advice so they can purchase their dream home. He believes that financing a home is a big commitment. As an experienced loan officer, Caban is committed to offering mortgage services that will suit the needs of his clients. He assists clients with 203K loans, fixed mortgages, and USDA loans. Caban offers his services to customers in Fort Lauderdale and nearby areas.

License Verified:

License: 432095

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

Introduction

It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

How do mortgage brokers find lenders?

Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

What credit score do mortgage brokers use?

There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

  • Experian uses FICO Score 2
  • Equifax uses FICO Score 5
  • TransUnion uses FICO Score 4

Do mortgage brokers help with refinancing?

Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.

Can you work with two mortgage brokers?

You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

Do mortgage brokers get better deals?

Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

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