- The Best Mortgage LLC. Branch NMLS | 2637140 1333 Sw Gatlin Blvd Port Saint Lucie, FL 34953
We offer a range of mortgage products including conventional, FHA, VA, USDA, jumbo loans, and refinancing options.
Our mortgage specialists will assess your financial situation and goals to recommend the best loan options for you.
Typically, a credit score of 620 or higher is required for most conventional loans. However, FHA and VA loans may allow for lower scores.
Down payments vary by loan type. Conventional loans may require 3–20%, FHA loans as low as 3.5%, and VA/USDA loans may offer 0% down.
Can be as fast as 15 days, depending on the type of product and how fast documents are submitted to the team.
Yes, SHIP programs per county and some of our lenders have options to help with down payment.
If your property is in a FEMA-designated flood zone, flood insurance is mandatory. We can help determine your property’s status during the process.
Property taxes in Florida vary by county. The average effective property tax rate is approximately 0.83%.
Yes, Florida residents can apply for a homestead exemption on their primary residence, which can reduce your taxable property value by up to $50,000.
Absolutely! Local lenders are familiar with Florida’s real estate market, regulations, and insurance requirements, helping streamline the mortgage process.
You’ll need proof of income,401k, pension statements or any assets you receive, tax returns, employment history, credit report, 2 months of bank statements, and 2 forms of colored identification.
Yes, and it’s highly recommended. A pre-approval helps you understand your budget and shows sellers you’re a serious buyer.
We work with self-employed borrowers and typically require 2 years of tax returns profit/loss statements, and 2 months banks statements to verify income, however we also have loan options that do not require tax returns or bank statements.
Closing costs typically range from 2–5% of the loan amount and include fees for appraisal, title, insurance, and more. Sometimes closing costs can be paid by the seller if needed.
Yes, refinancing can help you lower your rate, shorten your loan term, or access equity. We can review options anytime.
Our customer service team is available to assist you post-closing with any questions about your loan or payment.
Take the first step toward homeownership with expert guidance tailored to your needs. Whether you’re buying, refinancing, or exploring your options, we’re here to help you navigate the process with ease and confidence.
