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.

See My Options Call Keith: 352-619-4959
Keith Meredith, Division President — Black Rock MortgageKeith MeredithNMLS #303217 · Division President, Black Rock Mortgage
★★★★★
65+ Google reviews
40+Licensed states
200+Wholesale lenders
16 yrsBroker experience
Black Rock Mortgage is a division of Coast 2 Coast Mortgage · NMLS #376205 · Learn more about us →
This week’s average Today’s Mortgage Rates National avg · Freddie Mac · wk of Jun 18, 2026
6.47%
30-Yr Fixed
5.81%
15-Yr Fixed
See Florida Rates →

National averages, not an offer to lend. Your rate varies by credit, down payment & loan type.

Buying a Home

From $0-down USDA & VA to luxury jumbo — 12 loan programs across 200+ wholesale lenders, matched to your scenario.

View loan programs

Refinancing

Lower your rate, tap your equity, or skip the appraisal. 12 refinance options including FHA, VA, and USDA streamlines.

View refinance options

What 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.

16+Years Experience
42States Licensed
200+Wholesale Lenders
400+Licensed Originators

Most Popular

Loan Programs

FHA Loans

As little as 3.5% down. Credit scores down to 580. No geographic limits. Up to 6% seller-paid closing costs.

Florida FHA loan details

VA Loans

$0 down for veterans and active military. No monthly mortgage insurance. No loan limit for full entitlement.

Florida VA loan details

USDA Loans

$0 down rural development mortgage. 0.35% annual fee. 97% of Florida’s geography is USDA-eligible.

Florida USDA loan details

Manufactured Home Loans

Singlewides & doublewides — back to 1976. FHA, VA, USDA, and conventional. Coast to coast in Florida.

Manufactured home financing details
View All Loan Programs

How It Works

Your Path to Pre-Approval

Four simple steps from your first conversation to keys in hand.

01

See Your Options

Tell us your scenario in our 5-minute online form. No credit pull, no office visit, no phone tag required.

02

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.

03

Find Your Home

Shop with confidence. Your agent has a verified pre-approval letter, which makes your offers stronger in a multi-bid market.

04

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.

Keith Meredith, Division President at Black Rock Mortgage

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

Keith Meredith signature

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 Guide

Mortgage Glossary

140+ mortgage terms defined in plain English. Quick reference for FHA, DTI, escrow, jumbo, and the rest.

Browse Terms

Documents Needed

Complete checklist of documents needed for a Florida mortgage — by category and by loan type.

View Checklist

Calculators

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

Claudia Godwin

Keith helped me with a mortgage on a beautiful manufactured home and I couldn’t be happier! He was quick and communicative! Him and his team are great to work with. I would highly recommend Black Rock Mortgage to anyone looking for mortgage help in Florida.

Emmit Murray

Pleasure to do business with! Would highly recommend to anyone!

Bailee Sims

I was able to purchase my first home with the guidance and help from Keith Meredith. Starting 2026 off as a homeowner with such gratitude for Keith and his team!

Evie

Absolutely amazing experience! Keith and his team were incredible to work with. After struggling with multiple lenders who made the HELOC process stressful and complicated, Keith jumped right in and made everything smooth and easy. He and his team were fast, professional, and truly cared about helping us. From start to finish, they had everything done within four days! I can’t thank them enough for making what once felt impossible, possible. Highly recommend Keith and his team to anyone looking for honest, efficient, and top-notch service!

Christine Cotter

Keith and his team were incredibly helpful! The process flowed seamlessly from application to closing. I highly recommend Keith and his team!

Kristen Bond

Buying a home is stressful, but Keith Meredith made the process feel simple and supported every step of the way. Everyone I worked with was patient, professional, and genuinely cared about making sure I got the best loan for my situation. I’m so thankful for their hard work and dedication and wouldn’t hesitate to recommend them to friends and family.

Amy Geller

Keith is so easy to work with. He is professional and keeps an open line of communication, which is much appreciated in this industry! We will definitely use him again and refer him to everyone we know.

dkeraghan

Keith and his team, were wonderful throughout my homeownership journey. This was truly easy breezy thanks to them. I highly recommend Keith Merideth and his team, they go above and beyond.

Chuck Blanton

These guys do a great job! They helped me with a home over million dollars and they killed it.

Paul Virgin

I had lots of equity in the walls of my multifamily property and needed a HELOC, which isn’t as common as it is for single-family homes. Keith made the process incredibly simple—I applied and was approved in just a matter of days. Best part, I never had to leave my office. Professional, efficient, and stress-free service. Highly recommend! THANKS Keith!

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.

You can expect a call back the same business day — no later than the next.

Ready for a Full Application?

Apply Directly Through Our Secure Portal Call Keith: 352-619-4959
Hours
Mon–Fri 8am–6pm ET