Mortgage Broker in Florida — 100+ Lenders Competing for Your Best Rate

A mortgage broker in Florida connects borrowers across the Sunshine State with over 100 wholesale lenders competing for the lowest rate. PierPoint Mortgage serves Miami, Tampa, Orlando, and 10 Florida cities with every loan product in the mortgage industry. Call (844) 241-7720 for a free rate comparison.

★★★★★ 4.9/5 from 152 Reviews● 20+ Years Experience● NMLS #112844

Get Your Free Rate Comparison Call (844) 241-7720

100+Lenders

10MI Cities

26Day Avg Close

Why PierPoint

What Florida Homebuyers Get from a Bank vs. PierPoint

Most Florida borrowers start at their bank or credit union because it feels safe. They apply at Seacoast Bank, Suncoast Credit Union, or Lake Florida Credit Union, wait days for an answer, and accept whatever rate they get. They never find out whether a better deal existed. PierPoint Mortgage changes that. Instead of lending its own money, PierPoint submits your loan profile to over 100 wholesale lenders and those lenders compete for your Florida home loan. The result is a lower rate, more loan options, and a faster close than most Florida borrowers get going direct.

Your Florida Bank or Credit Union

✖One lender, one rate — no competition for your loan

✖Limited products — if you don’t fit their box, you’re denied

✖Retail markup added on top of their wholesale cost

✖30–45 day close is standard in Florida

✖You’re one of thousands — limited personal attention

PierPoint Mortgage in Florida

✔100+ wholesale lenders competing for your Florida loan

✔Every loan product in the mortgage industry — conventional, FHA, VA, USDA, jumbo, bank statement, DSCR, and more

✔Wholesale rates passed directly to you — no retail markup

✔26-day average close across Florida

✔One dedicated broker from application to closing day

Florida’s wholesale mortgage market gives borrowers access to the same institutional pricing that banks use internally. The difference is that a bank keeps the spread between their cost and your rate. PierPoint passes those savings directly to Florida homebuyers. That structural advantage means your interests and PierPoint’s interests stay aligned throughout the entire loan process.

Find out what rate 100+ lenders would offer you in Florida — takes under 5 minutes.

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Where We Serve

Florida Cities Served by PierPoint Mortgage

PierPoint Mortgage is headquartered in Miami and licensed to originate home loans throughout Florida. Shannon Swartz serves borrowers in every community listed below — from first-time buyers in Orlando to investors in Cape Coral. All 100+ wholesale lenders are available in every Florida city, with the same 26-day average close.

Tampa

Jacksonville

Fort Lauderdale

St. Petersburg

Hialeah

Who We Help in Florida

Whether You’re Buying Your First Florida Home or Building an Investment Portfolio

Florida’s housing market spans Tampa homes near $280,000, Miami neighborhoods in the $400,000 range, and Jacksonville properties above $700,000. That price diversity means borrowers need different loan products depending on where and what they’re buying. PierPoint’s access to every loan type in the mortgage industry means there’s a program designed for your exact Florida situation.

First-Time Florida Buyers

Florida’s median home price sits well below the national average, making the Sunshine State one of the most accessible markets for first-time buyers. PierPoint walks you through FHA, conventional, and USDA options — many Florida communities outside metro areas qualify for zero-down USDA loans that banks rarely mention.

Explore FHA Loans →

Refinancing in Florida

If your current Florida mortgage rate is above today’s wholesale rates, you’re paying more than you need to every month. PierPoint runs your profile against 100+ lenders and shows you exactly what a rate-and-term or cash-out refinance could save — whether you’re in a a Coral Gables Mediterranean or a Tampa Bay craftsman or a Cape Coral colonial.

Explore Refinancing →

Self-Employed in Florida

Florida’s entrepreneurial economy — from Miami furniture manufacturers to Tampa tech startups — creates income documentation challenges that banks can’t handle. PierPoint offers bank statement loans, P&L loans, and asset-based programs specifically designed for self-employed Florida borrowers who don’t have clean W-2 histories.

Explore Bank Statement Loans →

Florida Real Estate Investors

Tampa’s affordable median near $280,000 creates cash-flow opportunities that investors nationwide chase. Miami’ rental demand from college students and healthcare workers adds another layer. PierPoint offers DSCR loans that qualify on rental income, fix-and-flip financing, and hard money loans — all through wholesale channels with rates below retail.

Explore DSCR Loans →

The Process

From Application to Keys in 26 Days — Here’s How It Works in Florida

PierPoint has refined its process over two decades to eliminate the delays, surprises, and miscommunication that make Florida mortgage closings stressful. Here’s what happens after you call (844) 241-7720 or apply online.

Free Consultation

Shannon reviews your goals, income, credit profile, and timeline. No credit pull required. You’ll know within 15 minutes which loan products fit your Florida situation and what rate range to expect from our wholesale lender network.

Day 1

Pre-Approval

PierPoint issues a pre-approval letter backed by actual lender underwriting. In competitive Florida markets like Miami and Jacksonville, a pre-approval from a broker carries weight — sellers and agents know the lender has already reviewed your file.

Days 1–3

Rate Shopping

PierPoint submits your loan profile to its network of 100+ wholesale lenders. Multiple lenders return competing offers tailored to Florida’s market conditions. Shannon presents the best options — not just the lowest rate, but the best combination of rate, fees, and terms for your situation.

Days 3–5

Lock & Process

You choose the offer that works best. PierPoint locks your rate and manages the entire underwriting process — ordering the appraisal, coordinating with Florida title companies, and handling all lender conditions. You get status updates, not surprises.

Days 5–20

Clear to Close

The lender issues final approval. PierPoint reviews your closing disclosure line by line to confirm the numbers match what you were quoted. Florida’s combined transfer tax of $8.60 per $1,000 is included in your final estimate — no last-minute fee surprises.

Days 20–24

Closing Day

Sign your documents and get your keys. PierPoint’s average Florida close takes 26 days from application to funded loan — significantly faster than the industry average of 44 days. PierPoint remains available for future refinancing or questions about your Florida mortgage.

Day 26

Florida rates change daily. Lock yours before the market moves.

Call (844) 241-7720

Client Reviews

What Florida Borrowers Say After Closing with PierPoint

“PierPoint Mortgage staff is the best at what they do! Every question, thought and need my husband and I had they took care of it. It was amazing how easy they made the whole process and knocked out our VA loan in less than 30 days. Thank you to everyone at PierPoint! We appreciate everything you did for us.”

Kaitlyn Goguen — Miami, FL — VA Loan

“I normally don’t take the time to leave reviews, however, PierPoint Mortgage exceeded my expectations so I felt like I had to give some feedback. I worked with Shannon, and he was very honest with me from the start. He genuinely cared about my financial decisions and my future. He got me my reverse mortgage and I just flew to Florida to visit my grandkids for 3 weeks with the money I obtained! Shannon was exceptional.”

Margo Chavez — Reverse Mortgage

“My husband and I were first time home buyers with a lot of questions and now we are homeowners and satisfied customers of PierPoint Mortgage! We really want to thank everyone that helped us through the loan process and say how awesome of a job you guys did! I will definitely be recommending PierPoint Mortgage to all my family and friends!”

Massey Marya — First-Time Home Purchase

★★★★★ 4.9 out of 5 stars · Read All 152 Reviews on Google

Loan Products

Every Loan Product in the Mortgage Industry — Available to Florida Borrowers

Banks offer what they have on their shelf. PierPoint offers what Florida borrowers actually need. Because Shannon works with over 100 wholesale lenders, every major loan program is available — from standard conventional and FHA loans to specialized products like DSCR investor loans for Tampa rental properties, bank statement loans for self-employed Miami entrepreneurs, and fix-and-flip financing for Florida renovators.

Foreign National Loans

Manufactured Home Loans

Hard Money Loans

New Construction Loans

Commercial Loans

Profit & Loss Loans

Not sure which Florida loan program is right for you? Shannon will walk you through it.

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Common Questions

Florida Mortgage Broker FAQ — What Borrowers Ask Before Applying

How long does it take to close on a home in Florida?

PierPoint’s average close time in Florida is 26 days from completed application to funded loan. The national average for mortgage closings is 44 days. PierPoint achieves faster closings by front-loading the underwriting process, submitting complete files to lenders, and maintaining daily communication with Florida title companies, appraisers, and real estate agents throughout the transaction.

Is PierPoint more expensive than my Florida bank?

No. Mortgage brokers like PierPoint access wholesale rates that are typically lower than the retail rates Seacoast Bank, Suncoast Credit Union, or Lake Florida Credit Union offer consumers directly. Banks add a margin on top of their cost of funds — that margin is their profit. PierPoint works on the wholesale side and passes the savings to Florida borrowers. PierPoint is transparent about fees upfront and provides a loan estimate so you can compare costs side by side before committing.

What credit score do I need to buy a home in Florida?

It depends on the loan program. FHA loans are available with credit scores as low as 580. Conventional loans typically require 620 or above. Some non-QM lenders in PierPoint’s network work with Florida borrowers in the 500s. If your credit isn’t where you want it, Shannon will tell you honestly what’s available today and what steps could improve your options in 30, 60, or 90 days.

Can PierPoint help self-employed Florida borrowers?

Yes — this is one of the areas where a broker adds the most value in Florida. Banks want two years of clean W-2s. If your income comes from 1099 work, business ownership, or bank deposits, most Florida banks will decline your application. PierPoint has access to bank statement loan programs (12 or 24 months of deposits), profit-and-loss statement loans, and asset depletion programs that allow qualification without traditional income documentation.

Does PierPoint have offices in Florida?

Yes. PierPoint Mortgage is headquartered in Miami, Florida, at 118 Fulton St W #23, Miami, FL 33101. Shannon Swartz works with Florida borrowers in person at the Miami office and remotely across the entire state. The local Miami phone number is (616) 208-2860, and the toll-free number is (844) 241-7720.

What Florida cities does PierPoint serve?

PierPoint Mortgage serves borrowers across Florida, with dedicated city pages for Miami, Orlando, Tallahassee, Cape Coral, and Port St. Lucie. Additional Florida markets including Tampa, Jacksonville, Fort Lauderdale, St. Petersburg, and Hialeah are also served. All 100+ wholesale lenders are available in every Florida city, with the same 26-day average close regardless of where you’re buying.

Florida Rates Change Daily. Lock Yours.

Get your personalized rate comparison from 100+ lenders in under 5 minutes. No credit pull required. No obligation. Just real wholesale numbers competing for your Florida home loan.