I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

I've worked with Phil multiple times over the course of 7 years and can't recommend him highly…read moreenough. He's a trusted advisor who makes the mortgage process clear and manageable. Phil takes the time to walk through all the options, helps you make informed decisions, and is incredibly responsive and easy to work with. He's flexible, reliable, and always available when you need him -- truly a partner you can count on during an important financial decision!

My experience with Alex Doce from First Community Mortgage was phenomenal. The entire process was…read moreextremely smooth from the initial pre-approval, appraisal, underwriting, and down to the closing. I found Alex solely by searching the web for local lenders and his name happened to come up on every platform I visited, so I took a leap of faith to trust the reviews and can now vouch for his raving reviews. It's only right I add my testimony. He works fast and is efficient. Thank you Alex for your knowledge, professionalism and service. All the best, Kim and Rafael

In short, Alex Doce came to my rescue in one of the most precarious situations I've ever been in…read morecertainly financially. I had made some bad decisions and planning and while there are plenty of opportunities, bridging the gap I had put myself in a situation where I'd overextended myself by trying to get extra credit cards etc, you know how that goes and I didn't think because I was too an experienced about getting a loan on the house that I inherited a little more than a half year ago. The first person who tried to and showed me that there was an option, something called a no-income/ verification loan. The riskiest for banks and only a selection places offer them, but the person that first reached out to me hid, despite my prying and trying to get more information, so much that when I got the disclosure papers or the closing documents I think he just expected me to sign because I was so in need. Well that wasn't going to happen, so I had to find someone else, and I stayed up all that Friday night and on that Saturday morning Alex called me back from my messages. From there I dealt with a man I have utter respect for. He is hardworking, generous and not only with his time, we got to know each other actually quite well during this process and learn quite a bit about each other and had some very nice conversations, but with the difficulty that I was facing he even took half of his normal fee to help me out in my situation. I never asked for that. He just did it and I just got the paperwork stating that he was doing it. He's just the type of person. I learned a lot about his history and everything he had gone through and his struggles to make it in life, and it shows in his determination and dedication and work ethic. I don't know how he does it, but he works at a feverish pace for I don't know how many hours a day but I think our regularly 10 or 11, and then works a good part of Saturdays as well. And when you talk to him it's during this time it's all business and then he's back to work taking care of it and calling you back a few minutes later with a problem solved. An expectation that was reasonable just so it wouldn't be disappointed if it didn't take the last time, and it did take less time which I'll tell you about, but he said that we would be able to get it done within about a month or less and I would have my money. If it wasn't just for one particular thing that held things up for a week, I would have had it in about half the time, and as it was we were still I believe a week or more early when the funds were deposited into my bank from when we began. He got great terms for my situation with a loan that's got the highest because of the risky nature of it, and he explained to everything that I asked. He was transparent. Everything that you want to find when you put your trust in somebody for things like this, things you've worked so long for and you're hard earned money. I could go on but I'll just finish by saying that I couldn't recommend any higher Alex with his character and abilities and I feel very grateful for having had the chance to work with him, and have him help me in my time even I want to say thank you Alex. I promise that if anybody who is reading this chooses to work with him, you will have a story of your own like this to tell about him that would be similar, at least in regards to Alex and everything that he would do for you and the experience you would have working with him. I can honestly wholeheartedly say that all of this is true, and this is just who he is, and you can expect that he'll do everything in his power and make sure that you have a good experience and success in your pursuits!..Andrew W.

My husband and I bought a home with an FHA loan and the awful PMI that comes with it. We said that…read morewe would refinance in two years to get rid of the PMI, but never got around to it. Five YEARS later, and after historical low APRs for mortgage rates, I finally got serious about refinancing. I reached out to the broker who financed our home originally, but was not happy with his estimate. A friend recommended Lisa from Mortgage Masters to me and I am so happy that I didn't go with my original broker. Lisa made this entire process absolutely painless. We didn't take cash out, so we didn't even have to get the house re-appraised. Now we have a lower APR, lower monthly payment, and no PMI. I cannot recommend Lisa enough! She is awesome.

I worked with Lauren from Mortgage Masters, she was outstanding. Lauren had me pre-approved for a…read morehome loan which gave me a decided advantage while home shopping in this very competitive market. Lauren was able to close the loan in under 30 days with NO issues. Her experience and professionalism is top notch. She's the best in the business!

I worked with Florida Mortgage Solutions to purchase my home. While it was a little rough in the…read morebeginning (no one persons fault) Mario Cervantes stepped up and owned the issues even when part of them were from my own doing. Once we got past the issues Mario, Mike and the rest of the Florida Mortgage Solutions team were just outstanding. My mortgage process was so smooth and easy and this new system they have to let you know where in the process you are via email is just awesome! Word of caution though - make sure you have all your "ducks in a row", are upfront about everything and I promise you Florida Mortgage makes the entire process so easy that you are done before you know it and they will get you a mortgage. Mario was right there taking all my texts and phone calls no matter the day, time or reason even if it was just to tell me over and over and over and over that everything is going fine. Great company, great people and I would highly recommend them to anyone needing a mortgage. Be sure to work with Mario and Jennifer they won't disappoint!

You're in good hands with this team! They're amazing! We had no issues and they even gave us a…read moretimeline to follow so we knew how the entire process worked. Super easy and stress free! Anytime they needed info, they sent us text and emails to keep us on track! Thank you for all your hard work!!!

I've known Nick from the Hollywood Chamber for about 3 years. He's a wonderful person. He is always…read morehappy to answer whatever real estate questions you may have. I've twice recommended Nick--once to a family member. He is professional and a straighter shooter. You can tell he enjoys real estate and is familiar with the marketplace. When buying or selling you should find someone who understands you and the area. He will take the time needed to make certian this happens.

I've worked with Nick and his team for over 7 years and can honestly say that they are the best…read morereal estate advisors in the State of Florida. They know the details of the local market and go above and beyond to negotiate the BEST deal for their clients. When i sum up working with Nick Sproul into one word, its is TRUST. You can count on he and his team to give you an incredible real estate experience.

Raving review incoming!…read more TLDR: Lucas is one of the most professional, thorough mortgage brokers you'll meet with outstanding communication and customer service skills! If I could give him 10 stars, I would. Highly recommend. I worked with Lucas on lining up financing for my property in Miami. My challenge was securing funding as a business owner with variable sources of income. Lucas was able to find a financing option that fit my situation and educate me along the way. This was my first time purchasing a property in Florida so I had to get familiar not only with the financing offer structure but also with the closing process components overall. Lucas provided a detailed walkthrough of different lending options via loom recordings which I could rewatch multiple times to fully comprehend the information. Lucas's communication was always on time and to the point. I felt like he had my back the whole time. Lucas made sure that the deal was moving forward at a proper pace and helped to resolve any questions and roadblocks promptly. I recommend Lucas to anyone looking to secure funding for their next real estate purchase!

Lucas is a mortgage broker like no other! His attention to detail and personal support is unlike…read moreanyone you'll ever meet. He knows the ins and out of the entire mortgage process and made sure I understood all of my options. His creative solutions and expertise allowed me to get the home of my dreams. I can guarantee you will not find a more personal, comprehensive, professional and knowledgable person out there. Buying a home is a huge decision and I highly recommend working with Lucas. Not only is he amazing at his job, his empathy and dedication set him apart from any professional you will ever work with.

We had a great experience with First Choice Financial. Julie was excellent and the process was…read morecompletely seamless and easy. It was very much no stress all the way. As far as numbers go, First Choice offered us the best deal, much better than what we found at traditional banks. And the loan process was a breeze. Whenever something came up, Julie made sure to quickly communicate what to do or send. She was easy to reach and always there for questions. Julie treated us with the utmost respect and professionalism. You could plainly tell that not only was she a seasoned pro, but that she also had our best interests at heart. Huge plus. There is no comparison between First Choice Financial and major banks. It was such a better process than I am used to, I am really kicking myself for not using them sooner. I would highly recommend.

We can't say enough wonderful things about Julie at First Choice Financial! From the very…read morebeginning, she made a stressful process feel smooth and manageable. Julie was always patient, kind, and incredibly responsive. No question was ever too small, and she took the time to explain everything in a way that made sense. What really stood out was how much she genuinely cared about helping us reach our goal. She went above and beyond to make sure every detail was handled and kept us informed every step of the way. It honestly felt like we were working with a trusted friend rather than just a lender. Thanks to Julie's hard work and guidance, our experience was smooth, positive, and even exciting. We're so grateful for her support and can't recommend her highly enough to anyone buying a home!

Steven is the smartest mortgage broker in the game. Runs circles around most. Very creative on how…read moreto get deals done, and suggestions of credit improvements - which is key to getting loans! He's great!

Quite possibly the best service I have experienced. As a first time home buyer I certainly needed…read moresomeone to explain the process thoroughly and walk me through each step. Stephen McWilliams was exceptional as he was always there when I reached out and went way above and beyond in representing my interest during the purchase process. Stephen was so knowledgeable about everything and he was able to communicate it in a way where I could understand everything. I will absolutely go out of my way to recommend Stephen and his team to everyone I know. Cannot imagine having bought my home without him. Thanks Stephen!

PLC did a fantastic job of getting me setup with a mortgage. I worked with Casey and couldn't have…read morebeen happier with his performance. His communication is clear and concise, he goes the extra mile to ensure customer satisfaction, and has a firm grasp on the industry. The best part - I didn't have to chase him down. I was never left wondering as he kept me in the loop with updates. The next time I need a mortgage, I'm calling PLC and asking for Casey.

The after-sales service truly remains greater than 5 stars because even years after we closed on…read morethe house, they stay keeping you informed through emails on the housing market, loans education, and sweet holiday messages and cards to remind you of the best purchase you made with their help. Thanks again for your help and happy holidays PLC! Highly recommend Alexis Vanlandingham as your mortgage broker, super reliable and communicative, will guide you thoroughly throughout the process and find you the best deals in the market for you! Compared to other interest rates in the markets I truly feel like I got the best deal at that time and I'm sure she continues to find best deals for her clients!