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Connect with a local loan officer in Florida

Morty has a number of license mortgage loan officers in Florida. Working with a local loan officer from Morty gives you local expertise along with competitive Florida mortgage rates. Create an account to get connected to a Florida loan officer or review their profiles below and sign up directly with them.

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Meet Morty's Florida Loan Officers

Phillip Estevez
Phillip Estevez
Mortgage Loan Officer
NMLS #2102838
Robert Heck
Robert Heck
Mortgage Loan Officer
NMLS #1581719
Derek Gussaroff
Derek Gussaroff
Mortgage Loan Officer
NMLS #1152020
Franck Auplan
Franck Auplan
Mortgage Loan Officer
NMLS #2048436
Raghuveer Reddy Thadisina
Raghuveer Reddy Thadisina
Mortgage Loan Officer
NMLS #2529176
Christopher Alfano
Christopher Alfano
Mortgage Loan Officer
NMLS #2512210
Terrance Wilson
Terrance Wilson
Mortgage Loan Officer
NMLS #2443356
Nick Milano
Nick Milano
Mortgage Loan Officer
NMLS #2481407
Bheem Bhat
Bheem Bhat
Mortgage Loan Officer
NMLS #2514417
Vanessa Morency
Vanessa Morency
Mortgage Loan Officer
NMLS #2517679
Justin Rogers
Justin Rogers
Mortgage Loan Officer
NMLS #2515752
Gabriella Purita
Gabriella Purita
Mortgage Loan Officer
NMLS #2232112
Enmanuel Pena
Enmanuel Pena
Mortgage Loan Officer
NMLS #2513610
Cesar Castaneda
Cesar Castaneda
Mortgage Loan Officer
NMLS #2510115
Gabriel Bodner
Gabriel Bodner
Mortgage Loan Officer
NMLS #1895385
Michael Porcelli
Michael Porcelli
Mortgage Loan Officer
NMLS #280503
Paul Gresh
Paul Gresh
Mortgage Loan Officer
NMLS #2129698
Roberto Di Lena
Roberto Di Lena
Mortgage Loan Officer
NMLS #2556226
Derek Sanchez
Derek Sanchez
Mortgage Loan Officer
NMLS #2267234
Jahvar Brown
Jahvar Brown
Mortgage Loan Officer
NMLS #2171439

What are the different types of mortgages?

When it’s time to choose your loan, one of the most important choices you’ll make is how your mortgage rate is structured. Your rate tells you how much you’ll pay in interest each year on your mortgage. While the differences may feel small, even a tenth of a point can amount to thousands of dollars over the life of your loan.

Rates are typically structured as "fixed or "adjustable." Most – but not all – loan options offer this choice, so it’s important to be aware of your options.

Fixed-rate mortgages

A mortgage with a set interest rate that never changes throughout the life of your loan. Most fixed-rate mortgages have 30-year and 15-year repayment terms. These loans offer buyers a level of consistency that many others do not.

Best for homebuyers who...
want a predictable, lower monthly payment amount that remains for the life of the loan.

Adjustable-rate mortgages (ARMs)

ARMs can be a good option to get a lower upfront rate than a fixed-rate mortgage. After the fixed period, the interest rate on an ARM becomes variable and changes at regular intervals to reflect the most current market conditions.

Best for homebuyers who...
don’t intend to own the property longer than the fixed period, and/or who expect interest rates to decline in the future.

More: The ABCs of ARMs →

Conventional Loans

A conventional loan includes any mortgage type that’s not part of a specific government program such as the FHA, VA or USDA (more on these government-backed loans below). While more cost-effective than other loan options for those who qualify, a conventional loan typically requires that borrowers have a credit score of at least 620, along with a minimum down payment amount.

Government Program Loans

These programs are consstructed for specific groups of people who fit certain criteria, such as veterans or buyers with lower credit scores.

More: Low Down Payment Options? →

FHA
  • Credit scores as low as 500
  • Down payments as low as 3.5%
  • Requires mortgage insurance for the life of the loan

Best for homebuyers who...
have lower credit scores or are not able to make a 20% down payment.

More: Everything you need to know about FHA loans →

USDA
  • Restricted to rural locations
  • Income and property value caps
  • Require no down payment
  • Available for home improvement loans as well

Best for homebuyers who...
live in qualifying rural areas seeking a loan without a down payment.

More: Who qualifies for a USDA loan? →

VA
  • Available to military service members and veterans
  • Requires no down payment and no mortgage insurance
  • Requires a VA funding fee based on the value of the property

Best for homebuyers who...
are qualified military service members looking for lower interest rates or mortgage loans with no down payment.

More: Eligibility requirements for a VA loan →

Non-conforming loan options and investment properties

Mortgage amounts higher than $647,200 (in most areas) are considered "non-conforming, per guidelines laid out by Fannie Mae and Freddie Mac, and will require a jumbo loan. With an investment home, you’ll likely need to put up a larger down payment since mortgage insurance isn’t an option here.

Jumbo
  • Loan limits set annually by the Federal Housing Financing Agency (FHFA).
  • The conforming loan limit is $647,200 in most areas for 2022.
  • The limit is higher in certain parts of the country; check your location using the FHFA loan limit map.

Best for homebuyers who...
are looking to purchase a more expensive property that doesn’t conform to the FHFA’s loan limit.

More: What is a jumbo loan? →

Investment properties
  • An investment property can be a home you plan to improve and sell.
  • It could also be a property you intend to rent out, or a home in an area where you expect values will rise.
  • Financing requirements are typically more stringent than those of a primary residence

Best for homebuyers who...
are purchasing a property for the purposes of generating income, rather than a primary residence home purchase.

More: Vacation homes and investment properties →

Interested in becoming a Florida loan officer? Join Morty!

Morty’s platform gives you the independence to run your business your way with the resources, infrastructure and technology you need to be successful in today’s mortgage industry.

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New to a career in mortgage? Checkout our Florida Mortgage Licenseing Guide

Editorial Disclaimer:
All content on this page is intended to be strictly educational, unbiased information for potential homebuyers. Every financial situation is unique, and we do not offer financial advice. We recommend individuals perform their own due diligence and research when choosing a lender or making any major financial decision. To the best of our knowledge, all content is accurate as of the date posted, though commentary related to the market is always subject to change. The opinions expressed are the author’s alone.