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Why I don't post a rate table

Mortgage rates change daily and depend on your credit, down payment or equity, property type, occupancy, loan program, and loan amount. A generic rate posted on a website rarely matches what you'd actually be offered.

Instead, request a personalized quote. I'll review your scenario and send options you can compare side by side, including estimated closing costs, with no obligation.

What affects your rate

  • Credit score and credit history
  • Down payment or home equity
  • Loan program (VA, FHA, conventional, DSCR, etc.)
  • Property type and occupancy (primary, second home, investment)
  • Loan amount and term
  • Whether you choose to pay discount points
  • Market conditions on the day you lock

Want to estimate a payment now? Try the mortgage calculators.

Rates and terms are subject to change without notice and are not guaranteed until a rate lock is confirmed in writing. Not a commitment to lend.

Ready to see what you may qualify for?

Get a no-obligation review of your options from a Florida-licensed loan originator.

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