Welcome to The Mortgage Firm

Ready to purchase the home of your dreams?

See if you Qualify

Happy couple sitting on the floor in their new home on moving Day

CALL US TODAY: 321.972.9438

How can we help?

We are here for you from start to closing and beyond. Let us simplify the mortgage
loan process and experience our World Class Service.

Meet The Team

Purchase or Refi

Ready to find the right mortgage for you?

Explore

See Loan Options

Let us help you find a loan that works for you!

LOAN PROGRAMS

Why Choose Us?

Purchasing or selling a home is a complex and tedious process. At The Mortgage Firm, we've earned a stellar reputation among real estate professionals, builders, and individual home buyers for simplifying the process. In fact, we send automatic updates to you throughout the entire process with continual status reports and no surprises! This advantage is built around our mission to keep it simple and easy. We call it "Closing Simplified."

GET PRE-APPROVED
APPLICATION
PROCESSING
UNDERWRITING
CLEAR TO CLOSE

Our
Process

Our Process

Getting Started with Pre-Approval

One of our experienced Loan Originators will evaluate your credit, income and assets to determine what ranges of home prices you qualify for. Once this process is complete, you will receive a Pre-Approval letter that solidifies you as a strong buyer, to submit with your offers. Sellers are more likely to accept offers from Buyers who provide a pre-approval letter because they know your documents have been reviewed by a lender and it clearly states that you are capable of satisfying all financing aspects of the purchase contract.

Speak with one of our experienced Home Loan Experts
Evaluate Income, Assets and Credit
Receive a Pre-Approval Letter
Submit a solid offer on your Dream Home

Apply Today

Once you have found a home and have gotten into contract, our home loan experts will assist you through filling out the official loan application. The property information will be entered, any documentation that needs to be updated will be requested and you will be issued disclosures to review and sign.

Find a Home
Make an Offer
Get an Offer Accepted
Fill Out the Mortgage Application
Update Documentation as Needed
Review and Sign Disclosures

Processing

Loan processors will verify all documents relating to the borrower as well as the property being purchased. They will review all of the information in the loan file, request any additional documentation, and assemble an orderly and complete package for the underwriter.

Loan file is reviewed
Additional documentation is requested
File is submitted into Underwriting for credit decision to be made

Underwriting

Once the processor submits the complete loan file to underwriting, it is checked to make sure the borrower and property meet all of the guidelines for the loan. The underwriter is responsible for approving or denying the loan application. Loans are sometimes approved with conditions. Once the borrower fulfills the conditions, the loan is "clear to close".

Loan File is Analyzed
Confirm Borrower Meets Guideline Requirements
Property/Appraisal is Evaluated
Loan is Approved with Conditions

Clear to Close

Once the loan has been approved, the closing process begins. During closing, the property title passes from the seller to the buyer. A closing agent, usually an attorney or official from a title company, oversees this process. The closing documents are then signed, the loan is funded and the process is complete.