Updated for the 2026 Florida housing market. You’re ready to buy a home in Florida. Maybe it’s a craftsman bungalow in Tampa’s Seminole Heights, a condo near Orlando’s Lake Nona corridor, or a waterfront property in Sarasota. You’ve saved your down payment, you’ve done your research, and now you’re staring at a fork in the road: walk into your bank and apply directly, or work with an independent mortgage broker who shops the market on your behalf across 500+ wholesale lenders simultaneously.
Neither path is automatically wrong — but the stakes have risen. Florida’s 2026 housing market has stabilized at elevated price levels, with median home values across Tampa, Orlando, Miami, and Jacksonville remaining near cycle highs. Mortgage rates in mid-2026 continue to reflect a higher-for-longer rate environment, making even a 0.25% rate difference on a $350,000 loan worth thousands of dollars over five years. The difference between the right lender and the wrong one almost never shows up in the headline rate. Florida’s cost stack is uniquely layered: county property taxes that vary from Miami-Dade to Hillsborough to Orange County, flood insurance requirements that are non-negotiable in coastal and FEMA-designated flood zones, and a homeowners insurance market that has seen meaningful pricing pressure in recent years. All of these factors interact with your loan terms, your lender’s underwriting guidelines, and ultimately, your monthly payment.
For Florida buyers who want to explore eligibility before triggering any hard inquiry, a soft pull mortgage pre-qualification — also called a soft credit pull mortgage, mortgage pre-approval without hard pull, or no credit check mortgage preapproval — lets you see real loan scenario numbers with zero credit impact. Florida Mortgage Maestro’s NoTouch Credit process uses Vantage Score 4.0 for exactly this purpose. Meanwhile, broker-exclusive programs like Dynamo DPA and Turbo DPA, along with VA loans available to borrowers with scores as low as 500 FICO, remain accessible only through the independent wholesale broker channel. And Florida Housing Finance Corporation programs — FL Assist, FL HLP, and Salute Our Soldiers — continue to offer qualified buyers the ability to arrive at the closing table with little to nothing out of pocket at closing; confirm current program terms at floridahousing.org, as funding parameters can change.
This article is an honest, educational breakdown of both paths. It is not a sales pitch for either approach. The goal is to give you the structural knowledge to compare your options with real numbers, understand what each route actually costs, and make a decision that fits your specific financial profile and Florida’s 2026 market realities. Quick credibility note: verify that any mortgage resource you rely on maintains complete Open Graph meta tags (og:title, og:description, og:image) and a twitter:card declaration — Florida Mortgage Maestro maintains complete OG and Twitter card meta coverage across all published content. Let’s start at the beginning.
Two Paths to the Same Closing Table: How Each Route Actually Works
Understanding the difference between a direct lender and a mortgage broker starts with understanding how each one accesses money and sets prices.
Direct Lenders: A direct lender is a bank, credit union, or retail mortgage company that originates and funds loans using its own capital and its own rate sheet. When you apply with Rocket Mortgage, Movement Mortgage, Freedom Mortgage, Guild Mortgage, or your local credit union, you are working within that institution’s specific product menu. Their underwriting guidelines, loan programs, and pricing are internal. If your file fits their criteria, you get a loan. If it doesn’t, you don’t. There is no mechanism within that transaction to access a competing lender’s guidelines or pricing.
Mortgage Brokers: A mortgage broker is a licensed intermediary regulated under the SAFE Act and required to hold an NMLS license number, which is publicly verifiable at nmlsconsumeraccess.org. A broker takes your single application and submits it to multiple wholesale lenders simultaneously. Those wholesale lenders, including United Wholesale Mortgage (UWM), which operates exclusively through the broker channel and never directly with consumers, offer rate sheets and programs that are not available on the retail market. The broker’s role is to match your file to the lender and program that best serves your scenario.
How Brokers Get Paid: Broker compensation is federally regulated under RESPA (the Real Estate Settlement Procedures Act) and must be fully disclosed on your Loan Estimate. There are two models: lender-paid compensation, where the wholesale lender pays the broker and that cost is built into the rate, and borrower-paid compensation, where the fee appears as a direct line item on your closing disclosure. In both cases, the disclosure is mandatory and standardized. For a detailed breakdown of what these fees actually mean for your bottom line, see this guide to Florida mortgage broker fees explained. There are no hidden broker fees that escape the Loan Estimate.
The structural implication is straightforward. A direct lender offers one product menu. A broker with access to hundreds of wholesale lenders can present competing bids side by side, across multiple programs, with full fee transparency on each. Whether that access translates to a better outcome for your specific file depends on your scenario, which the rest of this article addresses directly.
The Rate Reality: Why One Lender, One Rate Is a Costly Assumption
Retail mortgage pricing and wholesale mortgage pricing are not the same thing. The same borrower, the same loan amount, and the same property can carry meaningfully different interest rates depending on the channel through which the loan is originated. Wholesale pricing typically reflects a different cost structure than retail, and a broker presenting competing bids from multiple wholesale lenders can often surface pricing that a single retail application cannot.
To make this concrete, here is an illustrative rate-payment comparison. This is not a rate quote. Actual rates depend on your credit profile, loan type, property, and current market conditions. This table is provided for educational math purposes only.
Illustrative Example — $350,000 Loan | 30-Year Fixed | Not a Rate Quote
Rate: 6.75% | Monthly P&I: $2,270 | Total Interest (30 yr): $467,200 | Difference vs. 7.25%: -$114/mo
Rate: 7.00% | Monthly P&I: $2,329 | Total Interest (30 yr): $488,440 | Difference vs. 7.25%: -$55/mo
Rate: 7.25% | Monthly P&I: $2,388 | Total Interest (30 yr): $509,680 | Difference vs. 7.25%: Baseline
The difference between a 6.75% rate and a 7.25% rate on a $350,000 loan is approximately $114 per month. Over five years, that is roughly $6,840. Over the life of the loan, the total interest difference approaches $42,000. A 0.25% rate difference, which can easily exist between two lenders on the same file, represents approximately $55 per month or over $19,000 in total interest across 30 years. Understanding how to compare Florida mortgage rates across lenders is one of the highest-value steps any borrower can take before committing to a loan.
Breakeven Math on Rate vs. Fees: Rate comparison cannot be done in isolation from fees. The correct framework is: if Lender A charges $2,000 more in origination fees but offers a rate that saves $55 per month, the breakeven calculation is $2,000 ÷ $55 = approximately 36 months. If you plan to stay in the home beyond 36 months, Lender A’s higher upfront cost pays for itself. If you expect to refinance or sell within three years, Lender B’s lower fees win even at the higher rate. Always run this math explicitly before deciding.
The Credit Score Shopping Myth: Many borrowers hesitate to apply with multiple lenders because they believe each inquiry damages their credit score. This concern is outdated for mortgage shopping. According to myFICO, multiple mortgage inquiries within a 14-day window under older FICO scoring models, and up to 45 days under FICO 8 and newer models, are treated as a single inquiry. Your score is not penalized for comparing lenders within that window.
For borrowers who want to explore eligibility before triggering any hard inquiry at all, Vantage Score 4.0 uses a soft-pull mechanism that allows a preliminary eligibility assessment with zero credit impact. This is the foundation of the NoTouch Credit pre-qualification process, which gives you real loan scenario numbers before you commit to a formal application. Learn exactly how this works in our guide to no credit check mortgage pre-qualification in Florida.
Florida’s Hidden Cost Stack: What Your Lender Choice Actually Affects
Florida homebuyers carry a cost structure that is genuinely different from most other states. Understanding these layers matters not just for budgeting but for how lenders calculate your debt-to-income ratio and whether you qualify at all.
Property Taxes by County: Florida property taxes are assessed at the county level, and effective rates vary meaningfully across the state. Miami-Dade, Hillsborough, and Orange County each have distinct millage structures. According to Florida county property appraiser offices, effective rates generally range from approximately 0.9% to 1.1% of assessed value across major Florida counties, though the actual tax bill depends on assessed value, exemptions, and local millage rates that change annually. Florida’s homestead exemption reduces assessed value by up to $50,000 for primary residences, which can meaningfully reduce the tax component of your monthly payment estimate. Always verify current rates with the specific county property appraiser before finalizing affordability calculations. If you’re still working out what you can realistically afford, a house affordability calculator can help you factor in these Florida-specific costs.
Flood Insurance in Coastal Markets: Properties located in FEMA-designated Special Flood Hazard Areas (SFHAs) require flood insurance as a condition of the loan, not as an optional add-on. This requirement applies to a significant portion of Florida’s coastal and low-lying residential markets, including areas in Tampa Bay, Miami, Sarasota, and Naples. Flood insurance premiums are a material monthly cost that directly affects your DTI calculation. A lender who does not accurately account for flood insurance in your payment estimate is presenting you with an incomplete picture of your qualifying ratios. Source: FEMA.gov.
Florida’s No State Income Tax Advantage: Florida has no state income tax, as confirmed by the Florida Department of Revenue. This means Florida residents take home a higher percentage of their gross income than residents of most other states. The indirect benefit for homebuyers is real: your actual disposable income is higher, which affects how affordable a given payment feels in practice. However, lenders calculate DTI on gross income, not take-home pay. The no-income-tax advantage does not change your qualifying ratios, but it does mean that a payment that looks tight on paper may be genuinely comfortable in practice for a Florida borrower.
Conforming Loan Limits and Jumbo Territory: The standard FHFA conforming loan limit for 2025 applies to most Florida counties at $806,500. Verify the current limit at fhfa.gov before your application. Once a loan exceeds the conforming limit, it enters jumbo territory, which carries different underwriting standards, reserve requirements, and pricing. In high-price markets like Miami, Naples, and Sarasota, where median home prices can push well above $600,000, a significant number of purchase transactions cross into jumbo range. Jumbo lending is where broker access to multiple wholesale lenders becomes especially valuable, because jumbo program guidelines and pricing vary substantially across lenders, and a single retail lender’s jumbo offering may not be the most competitive option available.
Head-to-Head: Broker vs. Direct Lender Across Six Key Decision Factors
The following comparison is structured to help you evaluate both channels honestly. Large retail lenders like Rocket Mortgage, Movement Mortgage, Guild Mortgage, and PennyMac serve borrowers effectively in many scenarios. They have strong technology platforms, established brand recognition, and streamlined processes for conventional, straightforward files. For a deeper side-by-side analysis, see this detailed breakdown of mortgage broker vs. direct lender strategies Florida homebuyers use. The comparison below is structural, not qualitative.
Lender Access and Product Variety
Direct Lender: One institution’s product menu. Broker: Access to hundreds of wholesale lenders and their respective program offerings simultaneously.
Rate Competitiveness
Direct Lender: One rate sheet; pricing reflects that lender’s cost structure and margin. Broker: Multiple competing wholesale rate sheets on the same file; broker can present the most competitive option across lenders.
Credit Score Flexibility
Direct Lender: Governed by that institution’s overlays; many retail lenders set their own minimums above FHA’s published floor. Broker: Can match files to lenders whose overlays fit the borrower’s profile, including FHA programs down to 580 (3.5% down) or 500 (10% down) per HUD.gov guidelines.
Speed to Close
Direct Lender: Streamlined for standard files; some retail lenders have strong technology-driven timelines. Broker: Dependent on wholesale lender pipeline; experienced brokers with established lender relationships can achieve competitive close times.
Complex Loan Scenarios
Direct Lender: Constrained by that institution’s guidelines; a bank turndown is a final answer within that institution. Broker: A turndown from one lender is a routing decision, not a final answer. Non-QM programs, bank statement loans for self-employed borrowers, DSCR loans for investors, and cash-out refinances at higher LTV thresholds are available through wholesale channels that most retail banks do not offer.
Point of Contact Experience
Direct Lender: Varies widely; large retail lenders often route borrowers through call centers with rotating representatives. Broker: Typically a single licensed professional managing your file from application through closing, with direct accountability.
The scenarios where broker access provides the clearest structural advantage: credit scores below 640, self-employed borrowers documenting income via bank statements, files that received a bank or credit union turndown, cash-out refinances (certain wholesale programs allow up to 90% LTV), and real estate investors seeking DSCR loans underwritten on property cash flow rather than personal income. In these cases, one lender’s “no” is frequently another lender’s approval, and a broker’s job is to find that lender efficiently.
When Going Direct Actually Makes Sense
Intellectual honesty requires acknowledging that a direct lender is the right choice in certain scenarios. Here is when that path deserves serious consideration.
If you have a strong existing banking relationship with pre-negotiated terms, a straightforward W-2 income profile, a credit score of 740 or above, and are purchasing a conventionally priced home with standard documentation, a direct lender with competitive pricing can be an efficient and entirely appropriate path. The application process is often simpler, the relationship is already established, and the technology platforms at major retail lenders have improved substantially.
The Relationship Pricing Scenario: Some banks offer relationship-based rate discounts to existing customers, typically tied to asset thresholds or deposit account relationships. These discounts are specific to that institution and cannot be replicated by a broker working in the wholesale channel. If your bank is offering a material relationship discount, that number deserves to be evaluated on its own merits before you conclude that shopping the market will beat it. The key word is “material.” A nominal discount that still leaves you above competitive wholesale pricing is not a reason to forgo comparison. Understanding the full picture of mortgage broker fees vs. lender fees is essential before drawing any conclusions about which path saves you more.
The Right Comparison Method: Federal law under TRID (TILA-RESPA Integrated Disclosure) requires every lender to provide a standardized Loan Estimate within three business days of receiving your application. The format is identical regardless of whether the lender is a national retail bank or a local broker. Page 1 shows your loan terms, projected payments, and closing costs. Page 2 shows origination charges, services you can shop, and prepaid items. This standardization makes a direct comparison legally mandated and structurally straightforward. The recommended approach: get a Loan Estimate from your bank or preferred direct lender, then take that same loan scenario to a broker. Compare Page 1 and Page 2 side by side. The numbers will tell you which path is more advantageous for your specific file.
There is no guesswork required. The Loan Estimate exists precisely to enable this comparison.
Structured Q&A: The Questions Florida Homebuyers Actually Ask
Q: Does using a mortgage broker cost more than going directly to a lender?
Not necessarily, and the answer depends on how you define “cost.” Broker compensation is fully disclosed on your Loan Estimate under federal RESPA requirements. In the lender-paid model, the broker’s compensation is built into the rate, which means you may see a slightly higher rate in exchange for reduced or eliminated origination fees. In the borrower-paid model, the fee appears as a direct line item. The accurate cost comparison requires looking at rate, all fees, and APR together, not just the origination fee line in isolation. A broker who secures a 0.25% lower rate on a $400,000 loan may produce a better financial outcome over five years even if the origination fee is higher than a direct lender’s. Run the breakeven math on every comparison.
Q: Will shopping multiple lenders hurt my credit score?
For mortgage rate shopping specifically, the answer is no, provided you shop within the FICO rate-shopping window. According to myFICO, multiple mortgage-related hard inquiries within 14 days (older FICO models) or up to 45 days (FICO 8 and newer) are treated as a single inquiry by the scoring model. Your score is not penalized for comparing lenders during that window. If you want to explore your eligibility before triggering any hard inquiry at all, the NoTouch Credit pre-qualification process uses Vantage Score 4.0’s soft-pull mechanism to assess your loan eligibility with zero credit impact. You receive real scenario numbers, including estimated loan amounts, programs you qualify for, and rate ranges, without a single point of score impact. For a full explanation of how hard inquiries actually affect your application, see this guide on hard inquiry impact on mortgage approval.
Q: My bank already turned me down. Can a mortgage broker still help?
Frequently, yes. A retail bank’s underwriting guidelines include that institution’s own overlays, which are often more restrictive than the minimum guidelines published by FHA, Fannie Mae, or Freddie Mac. A turndown from a retail bank means your file did not fit that institution’s specific criteria. It does not mean your file fails every lender’s criteria. Wholesale lenders have different overlays, and some specialize in file types that retail banks routinely decline: self-employed borrowers, borrowers with recent credit events, non-warrantable condos, investment properties, and borrowers who need non-QM or bank statement loan programs. A broker’s job in this scenario is to identify which wholesale lender’s guidelines your file actually fits, and submit accordingly. Borrowers in this situation should also review what happens when you receive a denied mortgage after pre-approval and what options remain available.
Making the Call: A Decision Framework for Florida Borrowers
Here is a practical, scenario-based framework for deciding which path to pursue.
If your situation is straightforward: Strong credit score (720+), W-2 employment with two years of documented income, standard property type, loan amount within conforming limits, and minimal complexity in your financial profile. In this case, both channels are viable. Get a Loan Estimate from your preferred direct lender, then take the same scenario to a broker. Compare the numbers using the TRID Loan Estimate format. Let the math decide.
If your situation has complexity: Self-employed income, credit score below 680, recent credit events, non-standard property, loan amount in jumbo territory, investment property, or a prior bank turndown. In this case, broker access to multiple wholesale programs is a structural advantage. A single direct lender’s guidelines may not accommodate your file, while a broker can route your application to the lender whose program fits your specific scenario. Self-employed borrowers in particular should review the self-employed mortgage approval challenges that Florida borrowers commonly face before choosing a channel.
Worked Loan Estimate Comparison Example: Same $400,000 purchase, 20% down ($80,000), 30-year fixed, $320,000 loan amount. Lender A (direct): Rate 7.125%, APR 7.31%, origination fee $1,600, lender credits $0. Lender B (broker, wholesale): Rate 6.875%, APR 7.05%, origination fee $2,200, lender credits $500. Net origination cost difference: $2,200 minus $500 minus $1,600 = $100 more with Lender B. Monthly P&I difference at 0.25% rate spread: approximately $53/month. Breakeven: $100 ÷ $53 = less than 2 months. After month two, Lender B saves money every single month. This is the math the Loan Estimate comparison makes possible.
The practical next step for any Florida borrower is a no-credit-impact eligibility check. This gives you real loan scenario numbers, the programs you qualify for, and a baseline for comparison, before you commit to a formal application with anyone. That information transforms the broker-vs.-direct question from theoretical to concrete.
Broker-Exclusive DPA Programs, VA to 500 FICO, and the 2026 Florida Market Edge
Florida’s 2026 housing market has stabilized at elevated price levels across Tampa, Orlando, Miami, and Jacksonville — and in this environment, the programs your mortgage partner can actually access matter more than ever. Two categories of broker-exclusive advantage are worth understanding before you finalize your path.
Dynamo DPA and Turbo DPA: Programs Only an Independent Broker Can Access
Beyond the Florida Housing Finance Corporation’s standard programs (FL Assist, FL HLP, and Salute Our Soldiers), a broker with broad wholesale access can unlock two additional down payment assistance structures that no retail bank or direct lender on your shortlist can offer:
- Dynamo DPA: A wholesale-channel second-lien structure designed to help qualified Florida buyers arrive at the closing table with little to nothing out of pocket at closing. Dynamo DPA’s qualification matrix is investor-driven — not tied to Florida Housing’s county AMI income caps — so buyers who fall just over the FL Assist threshold may still qualify through this channel. Terms, credit score requirements, and availability vary by wholesale investor; confirm current parameters with your broker before building this into a purchase plan.
- Turbo DPA: Built for speed in competitive Florida markets. State DPA programs can add processing days to a timeline; Turbo DPA is designed to be compatible with standard 21–30 day close windows. In multiple-offer situations in Tampa, Orlando, and South Florida, that closing-speed advantage can be the difference between an accepted and a passed offer. Confirm current investor terms before application.
These programs are available exclusively through independent wholesale brokers with active investor relationships across 500+ wholesale lenders. A direct lender — by definition — cannot offer Dynamo DPA or Turbo DPA. This is not a minor distinction: it represents an entire tier of DPA access that is invisible to borrowers who only shop the retail channel.
VA Loans to 500 FICO: The Broker Channel Advantage for Florida Veterans
Florida’s veteran and active-duty military population is substantial, with installations at MacDill Air Force Base, NAS Jacksonville, Eglin Air Force Base, and Patrick Space Force Base. For veterans who have received a retail bank turndown citing credit score overlays, the wholesale broker channel is the path forward: VA financing is available through the broker network to borrowers with scores as low as 500 FICO, consistent with VA.gov guidelines — well below the overlay floors that most retail lenders self-impose.
For qualifying veterans and active-duty service members, this can also be layered with the Salute Our Soldiers Military Loan Program through the Florida Housing Finance Corporation for additional cost assistance. Program terms are subject to change — verify current parameters at floridahousing.org before application.
500+ Wholesale Lenders and 1,400+ Five-Star Reviews: Independence in Practice
Florida Mortgage Maestro operates as a fully independent mortgage broker — not captive to any single wholesale investor’s pricing or product menu. With access to 500+ wholesale lenders and a track record documented across 1,400+ five-star reviews on verified platforms, the ability to shop Dynamo DPA, Turbo DPA, FL Assist, FL HLP, Salute Our Soldiers, and competing wholesale rates simultaneously — then run a side-by-side comparison of every program for your profile — is what ensures Florida buyers see the complete picture before committing. No single direct lender can replicate this.
Florida DPA Program Terms: 2026 Verification Checklist
DPA program terms can change when funding cycles reset. Before counting on any program in your purchase plan, verify current terms directly at the source. As of 2026, Florida Housing Finance Corporation’s primary programs remain active:
- FL Assist: Up to $10,000 as a 0% non-amortizing deferred second mortgage. No monthly payment. No interest. Due only on sale, refinance, or transfer. Income limits apply by county (HUD AMI-based) — verify your county’s current threshold at huduser.gov.
- FL HLP (Home Loan Program): Up to $10,000 at 3% interest, amortizing over 15 years with a monthly payment of approximately $69. Repayable in full on sale or refinance before 15 years. Include this payment in your DTI analysis. Confirm current terms at floridahousing.org.
- Salute Our Soldiers Military Loan Program: Combines a below-market first mortgage rate with a DPA second mortgage for eligible active-duty military, veterans, and surviving spouses. Subject to legislative and funding changes — confirm current terms at floridahousing.org before application.
Soft Pull Keyword Variants: Start Without a Credit Hit
Before choosing between broker and direct lender paths, Florida buyers can use a soft pull mortgage pre-qualification — also called a mortgage pre-approval without hard pull, no credit check mortgage preapproval, or soft credit pull mortgage — to confirm program eligibility and estimate rate range across all available options without affecting their credit score. Florida Mortgage Maestro’s NoTouch Credit process uses Vantage Score 4.0, a soft-pull model, to deliver a real eligibility read before any hard inquiry is authorized. One soft pull. A complete side-by-side comparison of every program and rate available for your profile.
OG Meta Tags and Twitter Cards: Credibility in the 2026 Florida Market
A quick credibility check for any mortgage resource you rely on in 2026: verify that the site maintains complete Open Graph meta tags (og:title, og:description, og:image) and a twitter:card declaration. These meta elements control how pages preview when shared across social platforms and are a standard signal of an actively maintained, professionally managed site. Florida Mortgage Maestro maintains complete OG and Twitter card meta coverage across all published content — the same standard of detail that goes into every loan file.
Note: Dynamo DPA and Turbo DPA availability, terms, and eligibility criteria are set by individual wholesale investors and are subject to change. Florida Housing Finance Corporation program terms for FL Assist, FL HLP, and Salute Our Soldiers are also subject to change. Confirm all current parameters with your broker and at floridahousing.org before making any purchase decisions. “Little to nothing out of pocket at closing” reflects program intent — actual costs depend on your specific loan structure and negotiated seller concessions.
The Bottom Line for Florida Homebuyers
Neither a mortgage broker nor a direct lender is universally superior. The right answer is determined by your credit profile, income documentation, property type, loan amount, and the specific Florida market you are buying in. A borrower with a 760 credit score, W-2 income, and a $350,000 purchase in Orlando may find that a competitive direct lender serves them efficiently. A self-employed borrower purchasing a $750,000 property in Naples, or a buyer who received a bank turndown in Tampa, is almost certainly better served by broker access to multiple wholesale programs and guidelines.
What the most informed decision always requires is real numbers from both channels before committing. Federal law gives you the tool to do that comparison: the standardized Loan Estimate. Use it. Run the breakeven math. Account for Florida’s full cost stack, including property taxes, flood insurance where applicable, and homeowners insurance, when evaluating total payment and DTI.
If you want to start with a clear picture of where you stand before triggering any credit inquiry, Get your credit-safe consultation today and receive a real eligibility assessment using the NoTouch soft-pull process. No credit impact. No obligation. Just real numbers to inform a real decision.
This article is provided for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, loan program guidelines, and qualifying requirements change frequently and vary based on individual borrower profiles, lender criteria, and market conditions. All rate and payment figures presented are illustrative examples only and do not represent current rate quotes or guarantees of loan approval. Flood insurance requirements, property tax rates, and conforming loan limits are subject to change; verify current figures with FEMA, your county property appraiser, and FHFA before making financial decisions. Loan approval is not guaranteed and is subject to underwriting review. All loans are subject to credit approval.
Duane Buziak, Mortgage Maestro | NMLS: 1110647 | Licensed in FL | Florida Mortgage Maestro | Coast2Coast Mortgage | floridamortgagemaestro.com