The Mortgage Firm began as a small company in Winter Park in 1995
Over the years, despite the economic downturn, The Mortgage Firm has grown to be one of the Largest Private Lenders in the state of Florida. Our corporate office in Orlando, FL is where all of our underwriting and closing package generation takes place.

Home Loan Options
USDA Loan
- A fixed interest rate for the entire life of the loan.
- No down payment options available for qualified borrowers.
- Loan amounts available up to $484,350.00
- Potentially add your closing costs into the loan
FHA Loan
- Credit scores as low as 550*
- 3.5% down payment required - Can be a gift!
- Seller can contribute up to 6% of the borrower's closing costs.
- Flexible mortgage guidelines.
Veteran's Affairs Loan
- No monthly mortgage insurance.
- Credit scores as low as 620.
- Flexible mortgage guidelines.
- Seller concessions up to 4% of the reasonable value of the property.
Conventional Loan
- A fixed interest rate for the entire life of the loan.
- Loan amounts available up to $484, 350
- 10, 15, 20, and 30 year terms available.
- As little as 3% down payment and can also be a gift!
Bond Loan
- 30 year fixed FHA rate 5.25% the APR can’t go above 6.786%*
- Fees: $940 Underwriting fee, $500 processing fee and a 1% Origination fee
*based off of a $152,192K loan amount
Benefits of refinancing your home with us

Shorten the term of your loan from a 30 yr to a 20 or 15 yr fixed rate mortgage saving thousands over the life of the loan.

Remove your PMI to save money on payment.

Lower your interest rate,
Lower your monthly payment.

Rate and term refinance up to 96.5% of the appraised value on FHA.
Refinancing up to 95% of the value on your primary residence on your conventional loan.
Benefits of a Cashout refinance:
Applicable to FHA or Conventional financing: Cashout up to 80% of the value on your primary residence.

Pay off non preferred debts.

Shorten the term of the loan.

Lower your overall monthly debt load.

Cash for home improvements (i.e. kitchen, bath, even a pool).
Resources to get you started
Meet Our Team
Concierge Team
Team Directory
Processing Team
Mortgage Loan Officers
Personal Loan Managers
Speak with one of The Mortgage Firm Lakeland's Loan Originators today!
Office Address:
The Mortgage Firm Lakeland
2020 Edgewood Dr S.
Lakeland, FL 33803
Office Phone:
(863) 937-8024