About Black Rock Mortgage • NMLS #303217
Florida’s Local Mortgage Broker — One Phone Call Away
A Florida mortgage broker with a 200+ lender network behind one conversation — better rates, lower closing costs, and you talk to Keith, not a call center.
Meet Keith
The Florida Mortgage Broker
I’m Keith Meredith — Division President of Black Rock Mortgage and a Florida mortgage broker for over 16 years.
I started Black Rock because I wanted to do this work differently. Most of my early career was at retail lenders — places where you sell whatever loan product the corporate office tells you to push, where every client gets passed between three or four people, and where “shopping around” basically means calling the same bank’s competitor and getting the same answer.
Becoming a broker changed everything. With access to 200+ wholesale lenders, I can actually find the right loan for each client — not just the loan I happen to be allowed to sell. And being independent means I’m the person you talk to from your first call to your closing day.
That’s the entire idea behind Black Rock. No call center. No script. No “let me transfer you to underwriting.” Just one experienced Florida mortgage broker who knows the programs, knows the lenders, and treats your home loan like the major life decision it is — because it is.
I grew up in Ocala Florida, I’ve been all over the state, from the keys to the panhandle. I love Florida, I service the whole state. When you call you get me, a real Floridian.
Keith Meredith
— Producing Division President
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We strive for excellence. That means communicating effectively, serving you with knowledge, and speed.
What Makes Black Rock Different
Most lenders sell you their loan. We find you the right one.
Broker, Not a Bank
A bank can only offer you their loans. As a broker, we have access to 200+ wholesale lenders competing for your business — which means better rates, more program options, and a fit for almost any situation.
AI-Powered Lender Matching
We use AI tools to instantly match your scenario against our entire lender network — finding the lender most likely to approve your file at the best rate. No more guessing which bank to apply to first.
24-Hour Pre-Approval
Apply online, and Keith personally reviews your file within 24 hours on weekdays. You’ll get a verified pre-approval letter ready to send your realtor — fast.
One Person, Not a Call Center
From first call to closing day, you work directly with Keith. Same number, same person, every step. No “let me transfer you,” no bouncing between departments.
Florida Local Expertise
Based in Ocala, we know Florida’s market inside and out — homestead exemption rules, hurricane insurance impact on affordability, county-specific guidelines, USDA-eligible areas, and more. Not a national chain pretending to know your zip code.
Self-Employed & Investors Welcome
Most retail lenders shy away from non-traditional buyers. We specialize in DSCR investor loans, bank statement programs, 1099 mortgages, and non-QM options for self-employed borrowers. Your tax write-offs shouldn’t disqualify you from buying a home.
Loan Programs We Offer
Whatever your situation, there’s likely a program that fits. Click any to learn more.
What Florida Buyers Are Saying
63+ five-star Google reviews from real Florida homeowners.
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.
Pleasure to do business with! Would highly recommend to anyone!
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!
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!
Keith and his team were incredibly helpful! The process flowed seamlessly from application to closing. I highly recommend Keith and his team!
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.
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.
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.
These guys do a great job! They helped me with a home over million dollars and they killed it.
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 to Get Started?
Apply for pre-approval, or just have a conversation first. Either way, I’d love to hear about your situation.
KEITH MEREDITH NMLS 303217 · BLACK ROCK MORTGAGE · CORPORATE NMLS 376205 · EQUAL HOUSING LENDER