No big-bank runaround. No 6-week underwriting purgatory. We're a Coral Gables broker with 7 years of FL closings — same-day decisions, real humans on the phone, and rates that move the needle.
We broker through 40+ wholesale lenders, which means we shop your file to the bank that wants it most — instead of pushing whatever the branch happens to sell.
The rates below are what we're actually locking for borrowers with 740+ FICO, 20% down, owner-occupied, single-family. Your rate depends on credit, LTV, property type, and lock period.
| Loan type | Rate | APR | Points |
|---|---|---|---|
| 30-year fixed conventional$200k–$806,500 · 740 FICO · 20% down | 6.875% | 6.998% | 0.50 |
| 15-year fixed conventional$200k–$806,500 · 740 FICO · 20% down | 6.125% | 6.284% | 0.50 |
| FHA 30-year fixed3.5% down · 680 FICO · primary residence | 6.625% | 7.412% | 0.00 |
| VA 30-year fixed$0 down · 720 FICO · primary residence | 6.500% | 6.812% | 0.00 |
| Jumbo 30-year fixed$806,501–$2M · 760 FICO · 20% down | 7.125% | 7.241% | 0.75 |
Rates updated May 22, 2026, 9:00 AM ET · Subject to qualification, market movement, and lock period. Not a commitment to lend. APR includes lender fees, discount points, and standard FL closing costs. NMLS #2487451.
Most of our purchases close in 22 days. Refis in 25. Here's exactly what happens — and how long each step takes.
Soft-credit pull, income docs uploaded, pre-approval letter issued.
Shop with conviction — your realtor knows you're real.
Offer accepted — we lock 30/45/60 days. Float-down option on most products.
Appraisal ordered, title opened, conditions cleared. We do this part — not you.
Sign at title company in Coral Gables or your home. Keys in hand.
Three licensed brokers handle every file from intake to closing. You'll get a direct cell number — not a 1-800 queue.
Bilingual EN/ES specialist for first-time buyers and FHA loans. Closed 187 FL purchases in 2025.
Marine Corps veteran, focuses on VA loans for South Florida service members and jumbo purchases $1M+.
Refi and HELOC specialist. Saved her clients an avg $412/month on rate refis closed in 2025.
"First-time buyer here. Maria walked me through everything in plain English — no jargon. We closed in 31 days on my Pinecrest townhouse. Even the underwriter compliments came in early."
"Rachel ran the numbers and showed me the break-even point was 14 months. Closed the refi 19 days later. Saving $487/month now — that's a car payment back in my pocket."
"Jumbo purchase in Coral Gables — $1.4M with self-employment income. Two other lenders couldn't make it work. David structured it with asset depletion and we closed on time."
If you upload your last 2 paystubs, 2 years of W-2s (or tax returns if self-employed), and 2 months of bank statements by 5pm, we issue a pre-approval letter the next business day by noon. The credit pull is soft — no impact to your score, no SSN required for the initial quote.
Conventional: 620 minimum (best pricing at 740+). FHA: 580 with 3.5% down, or 500 with 10% down. VA: technically no VA minimum but most lenders want 580+ (we'll work with 560+ for veterans). Jumbo: 700 minimum, 740+ for the sharpest rates.
Conventional: 3% (first-time buyers) or 5% (everyone else). FHA: 3.5%. VA: $0. USDA: $0 (rural only — limited to certain FL zip codes). Jumbo: 10% up to $1.5M with strong file, 20% standard. Gift funds from family allowed on most loan types.
Florida charges two state taxes on mortgages: documentary stamps on the note ($0.35 per $100 of loan amount) and intangible tax ($0.002 per $1 of loan amount). On a $400,000 loan that's $1,400 in doc stamps + $800 in intangible tax = $2,200 in FL-specific costs. We itemize these clearly in your Loan Estimate — no surprises at closing.
Standard locks are 30, 45, or 60 days. Longer locks (75/90 days) cost more in points but are useful for new-construction or extended closings. Most purchases lock 45 days; refis lock 30. We don't charge a lock fee — the cost is built into the rate sheet.
Most of our wholesale lenders offer a one-time float-down option if rates drop more than 0.25% before closing. There's typically a small fee (0.125 points or $500 flat) for the float-down. We monitor your file daily after lock and proactively flag float-down opportunities — you shouldn't have to ask.
Tell us a bit about you and we'll have a loan officer call within 2 business hours. Pre-approval letter in 24 hrs once docs are in.
Office hours: Mon–Fri 8am–7pm ET, Sat 9am–2pm. Or call (305) 555-3300 anytime — voicemail rolls to the on-call broker.