Lending Available Nationwide
Florida Mortgage Broker, Licensed in 40+ States
Ocala Florida-based, licensed in 40+ states. 200+ wholesale lenders behind one broker. Better rates, lower closing costs, more programs — and you talk to Keith, not a call center.
65+ Google reviews
Buying a Home
From $0-down USDA & VA to luxury jumbo — 12 loan programs across 200+ wholesale lenders, matched to your scenario.
View loan programsRefinancing
Lower your rate, tap your equity, or skip the appraisal. 12 refinance options including FHA, VA, and USDA streamlines.
View refinance optionsWhat Makes Us Different
Brokers Are Simply Better
We’ve been on the bank side — it has limits. As a broker, we shop 200+ wholesale lenders to get you better rates, cheaper closing costs, and more program options than any single bank could ever offer.
Speed
Same-day pre-approvals and industry-leading closing times. Real pre-approval letters in 24 hours — not generic pre-quals.
Tech Made Easy
E-sign disclosures, text us your docs, upload from your phone. No office visits, no phone tag, no fax machines.
More Programs
FHA, VA, USDA, conventional, jumbo, non-QM, manufactured, construction — more tools in the box for the best outcome.
Most Popular
Loan Programs
FHA
As little as 3.5% down. Credit scores down to 580. No geographic limits. Up to 6% seller-paid closing costs.
DetailsVA
$0 down for veterans and active military. No monthly mortgage insurance. No loan limit for full entitlement.
DetailsUSDA
$0 down rural development mortgage. 0.35% annual fee. 97% of Florida’s geography is USDA-eligible.
DetailsManufactured
Singlewides & doublewides — back to 1976. FHA, VA, USDA, and conventional. Coast to coast in Florida.
DetailsHow It Works
Your Path to Pre-Approval
Four simple steps from your first conversation to keys in hand.
See Your Options
Tell us your scenario in our 5-minute online form. No credit pull, no office visit, no phone tag required.
Get Pre-Approved
We review your file and pre-approve you in 24 hours on weekdays. A real pre-approval letter — not a generic pre-qual.
Find Your Home
Shop with confidence. Your agent has a verified pre-approval letter, which makes your offers stronger in a multi-bid market.
Close & Get Keys
Standard purchases close in 30–45 days. Streamline refis close in 14–21. Sign at the title company. The keys are yours.
Meet Your Broker
We strive for excellence — communicating effectively, serving you with knowledge, and speed.
After 16 years in this industry I can tell you we are still learning. Every day we look for ways to make borrowing better: more lending solutions, lower closing costs, quicker closings. With 200+ wholesale lenders behind me, I find the fit that’s right for you — not the loan my employer’s quota told me to push.
That’s the broker difference. And that’s why I do this work.
Keith Meredith
Producing Division President · NMLS #303217 · 16+ years originating
Free Resources
Tools & Guides
Everything you need to navigate the mortgage process — written in plain English by a 16-year mortgage broker.
Home Buyer’s Guide
A complete walkthrough of the home buying process — from pre-approval to keys. Free PDF download.
Read the GuideMortgage Glossary
140+ mortgage terms defined in plain English. Quick reference for FHA, DTI, escrow, jumbo, and the rest.
Browse TermsDocuments Needed
Complete checklist of documents needed for a Florida mortgage — by category and by loan type.
View ChecklistCalculators
Estimate your monthly payment, model rate buydowns, compare refinance scenarios, and more.
Browse Tools“Keith and the rest of his team were excellent! It’s crazy how rare this is, but he kept his promise and provided the loan I needed when many others could not. He was great to work with and responded to all my questions right away. I highly recommend him and his team!”
Steve McBride · Ocala, Florida
Verified Google Reviews
What Clients Are Saying
Ready When You Are
Get Pre-Approved in 24 Hours
Send us your scenario — purchase price, down payment, FICO, and what kind of property. We’ll match you to the right loan program and tell you exactly what you qualify for. On weekdays we review applications within 24 hours or less. Free, no obligation, no credit pull.
Ready for a full app? Apply directly through our secure portal →