The Mortgage Firm Lakeland puts you first

You Are Our #1 Priority

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.

We Offer

Better Financing Solutions

USDA Loans Icon

USDA Loans

  • No Downpayment Required
  • Very low mortgage insurance costs
  • Area Restricted
  • Income Limits
  • Loan amounts as high as income will allow

USDA Loans

The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.

Apply Now

Veteran's Affairs Loans

  • For active duty military, veterans, and their spouses.
  • No Downpayment & No monthly mortgage insurance required
  • Credit Scores down to 580
  • With enough eligibility, VA benefit can be used multiple times
  • Quick & Easy refinance available on current VA loans

Veteran's Affairs Loans

The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

Apply Now

FHA Loans

  • Most flexible Qualifying Criteria
  • Credit Scores down to 580
  • 3.5% Downpayment Required (even on multifamily properties)
  • Downpayment Assistance options available
  • Loan amounts up to $420,680 in most areas (single family)

FHA Loans

FHA Loans are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA is often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer - anyone who is buying a new home to use as their Primary Residence, or Second Home is eligible.

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Conventional Loans

  • Loan Amounts up to $647,200 in most areas
  • No mortgage insurance with 20% down
  • Downpayment requirements as low as 3%
  • Mortgage insurance can be canceled with enough equity
  • Construction loan options

Conventional Loans

Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt and some down payment, they are often the least complicated way to get the most flexible mortgage options.

Apply Now

We Focus On

Your Unique
needs and goals

We are here for you from start to closing and beyond. Let us simplify the mortgage loan process and experience our World Class Service.

We have access to a full range of mortgage products and all of our lending specialists are dedicated to finding the right loan with the best rate, terms and cost to meet your unique needs. But that’s just the beginning. Throughout the lending process, our talented staff will provide regular updates and progress reports so you know exactly where you stand, in person or online.

Let us make your mortgage experience simple!

We Help You

Find and purchase
the home of your dreams

Purchasing a home is a complex and tedious process. At The Mortgage Firm, we’ve earned a stellar reputation among real estate professionals, builders, and individual home buyers for simplifying the process. In fact, we send automatic updates to you throughout the entire process with continual status reports and no surprises! This advantage is built around our mission to keep it simple and easy. We call it “Closing Simplified.”

Why Choose Us

Proven process & support to closing & beyond 

STEP 1: PRE-APPROVAL

The first step in the mortgage process is to get preapproved. It is our initial job to gather from you your credit, income, and asset paperwork in order to place you in the best mortgage product.

STEP 1: PRE-APPROVAL

We make sure you will approve for the mortgage you are seeking. We want to make sure your 2 most important questions are answered. How much is buying a home going to cost me? And what price range should I shop to satisfy my budget.

STEP 3: PROCESSING

Our highly organized and efficient processors will work with you to prepare your loan to be approved by our underwriting department. They have a tough job with the scrutiny they are under and the paperwork required, but keep in mind their ultimate goal is to make you look as good as possible to our underwriting department.

STEP 3: PROCESSING

Your Loan Processor will help organize the completion of your appraisal and title work as well as make sure your contract dates are reached and you happily close on your home on time.

STEP 5: CLEAR TO CLOSE

When the underwriter issues to us a clear to close to us, it is time to prepare for closing. Our closing department balances out for you all your final closing details with a title company or attorney’s office.

STEP 5: CLEAR TO CLOSE

You will have the ability to electronically pre-view and sign a majority of your closing paperwork before the actual day of closing. On the day of closing, you will sign the more important forms by hand and then receive the keys to your new home!

STEP 2: APPLICATION

After you have found the home of your dreams and a seller accepts your offer, it is our job to put together the formal loan paperwork to include all your information provided during the preapproval process along with the specifics of your sales contract.

STEP 2: APPLICATION

One of the more important disclosures you will receive is called a loan estimate which will break out for you as close as we can possibly get to what your mortgage payment and cash to close will be.

STEP 4: UNDERWRITING

An underwriter is ultimately the one who approves your loan. They have a lot of boxes to check when it comes your finances and the property itself.

STEP 4: UNDERWRITING

They work quickly and efficiently to approve loans within 24-48 hours to make sure your loan is cleared with ample time to prepare for closing.

Why Choose Us

Proven process & support to closing & beyond 

STEP 1: PRE-APPROVAL

The first step in the mortgage process is to get preapproved. It is our initial job to gather from you your credit, income, and asset paperwork in order to place you in the best mortgage product.

STEP 1: PRE-APPROVAL

We make sure you will approve for the mortgage you are seeking. We want to make sure your 2 most important questions are answered. How much is buying a home going to cost me? And what price range should I shop to satisfy my budget.

STEP 2: APPLICATION

After you have found the home of your dreams and a seller accepts your offer, it is our job to put together the formal loan paperwork to include all your information provided during the preapproval process along with the specifics of your sales contract.

STEP 2: APPLICATION

One of the more important disclosures you will receive is called a loan estimate which will break out for you as close as we can possibly get to what your mortgage payment and cash to close will be.

STEP 3: PROCESSING

Our highly organized and efficient processors will work with you to prepare your loan to be approved by our underwriting department. They have a tough job with the scrutiny they are under and the paperwork required, but keep in mind their ultimate goal is to make you look as good as possible to our underwriting department.

STEP 3: PROCESSING

Your Loan Processor will help organize the completion of your appraisal and title work as well as make sure your contract dates are reached and you happily close on your home on time.

STEP 4: UNDERWRITING

An underwriter is ultimately the one who approves your loan. They have a lot of boxes to check when it comes your finances and the property itself.

STEP 4: UNDERWRITING

They work quickly and efficiently to approve loans within 24-48 hours to make sure your loan is cleared with ample time to prepare for closing.

STEP 5: CLEAR TO CLOSE

When the underwriter issues to us a clear to close to us, it is time to prepare for closing. Our closing department balances out for you all your final closing details with a title company or attorney’s office.

STEP 5: CLEAR TO CLOSE

You will have the ability to electronically pre-view and sign a majority of your closing paperwork before the actual day of closing. On the day of closing, you will sign the more important forms by hand and then receive the keys to your new home!

Resources To Get You Started

See Your Estimated Payment

Loan Calculator

This is only Principal & Interest Estimate monthly payment ONLY. This payment doesn’t include Taxes or Insurance. Your entire payment will include Principal, Interest, Taxes and Homeowners Insurance and may include Mortgage Insurance (if applicable)

Apply At Your Convinience

Online Application

One of our experienced Loan Originators will evaluate your credit, income, and assets to determine what ranges of home prices you qualify for. Once this process is complete, you will receive a Pre-Approval letter that solidifies you as a strong buyer, to submit with your offers. Sellers are more likely to accept offers from Buyers who provide a pre-approval letter because they know your documents have been reviewed by a lender and it clearly states that you are capable of satisfying all financing aspects of the purchase contract.

IT TAKES A TEAM

WE FOCUS ON YOU

No matter what stage you’re in, whether you’re buying or refinancing, allow us to guide you in the right direction.

What our clients say about us?

Brian C
You are Amazing at what you do and you make it so simple for all your clients. This process was a walk in the park thanks to you! Your definitely the G.O.A.T in this Industry in my Book. WONDERFUL JOB!!!
Brian C
Dundee, FL
You are Amazing at what you do and you make it so simple for all your clients. This process was a walk in the park thanks to you! Your definitely the G.O.A.T in this Industry in my Book. WONDERFUL JOB!!!
Brian C
Brian C
Dundee, FL
Deedra L G
This mortgage group has a team that truly takes care of their clients. They are personable, understanding, informative and solution oriented. They're just good at what they do and I couldn't have asked for a better mortgage company to work with. They're more than GREAT, they are AWESOME!
Deedra L G
Lakeland, FL
This mortgage group has a team that truly takes care of their clients. They are personable, understanding, informative and solution oriented. They're just good at what they do and I couldn't have asked for a better mortgage company to work with. They're more than GREAT, they are AWESOME!
Deedra L G
Deedra L G
Lakeland, FL
Sheena B
The Mortgage Firm made the process very simple for me! They are informative, responsive with questions or concerns and professional. I am so thankful everything went smoothly during my buying process.
Sheena B
Spring Hill, FL
The Mortgage Firm made the process very simple for me! They are informative, responsive with questions or concerns and professional. I am so thankful everything went smoothly during my buying process.
Sheena B
Sheena B
Spring Hill, FL
David W
I have heard how terrifying the whole mortgage process is and would be, but Tim and his team made it very easy and almost painless. They are great and I am glad to be working with them.
David W
Winter Haven, FL
I have heard how terrifying the whole mortgage process is and would be, but Tim and his team made it very easy and almost painless. They are great and I am glad to be working with them.
David W
David W
Winter Haven, FL
Lisa R
I liked that we were able to sign our documents remotely, that we were kept abreast of the loan processes, and that everyone we spoke with was friendly and helpful.
Lisa R
Davenport, FL
I liked that we were able to sign our documents remotely, that we were kept abreast of the loan processes, and that everyone we spoke with was friendly and helpful.
Lisa R
Lisa R
Davenport, FL
Julia H
Very professional and knowledgeable people. They were always available to answer any questions that I had, and they always got right back to me. My realtor even said that The Mortgage Firm was the most professional mortgage company that she has ever dealt with.
Julia H
Plant City, FL
Very professional and knowledgeable people. They were always available to answer any questions that I had, and they always got right back to me. My realtor even said that The Mortgage Firm was the most professional mortgage company that she has ever dealt with.
Julia H
Julia H
Plant City, FL
Nicole D C
The entire experience from the very first phone call was GREAT!! I have bought homes in the past with other lenders, and this experience has by far been the easiest and smoothest!! I will be using The Mortgage Firm for all my future home buying needs!
Nicole D C
Lakeland, FL
The entire experience from the very first phone call was GREAT!! I have bought homes in the past with other lenders, and this experience has by far been the easiest and smoothest!! I will be using The Mortgage Firm for all my future home buying needs!
Nicole D C
Nicole D C
Lakeland, FL
Michael P F
Stellar communication all the way around! VERY knowledgeable, curious, punctual, and overall AMAZING! Our closing was a little rocky but it was only due in part of the sellers. Monica kept a positive attitude throughout the whole process. Would absolutely recommend to anyone!
Michael P F
Davenport, FL
Stellar communication all the way around! VERY knowledgeable, curious, punctual, and overall AMAZING! Our closing was a little rocky but it was only due in part of the sellers. Monica kept a positive attitude throughout the whole process. Would absolutely recommend to anyone!
Michael P F
Michael P F
Davenport, FL
Lauren M
It was wonderful working with the whole team. Monica was completely responsive. Every time she said she would send paperwork or information, not only did she send it, it was usually within minutes. There was never a question too silly and she provided excellent advice. On an interpersonal note, Monica was very warm and kind. Super easy to work with, not to mention very approachable and confident.
Lauren M
Lakeland, FL
It was wonderful working with the whole team. Monica was completely responsive. Every time she said she would send paperwork or information, not only did she send it, it was usually within minutes. There was never a question too silly and she provided excellent advice. On an interpersonal note, Monica was very warm and kind. Super easy to work with, not to mention very approachable and confident.
Lauren M
Lauren M
Lakeland, FL
Nicholas J
Things didn’t workout with my original lender. I was at a loss of hope, because the closing date was fast approaching and I didn’t have financing. As soon as my realtor referred me to The Mortgage Firm, that day, I was in communication with the team and we got the process started. A few weeks later, I got final approval. I would not have made my closing date without them.
Nicholas J
Orlando, FL
Things didn’t workout with my original lender. I was at a loss of hope, because the closing date was fast approaching and I didn’t have financing. As soon as my realtor referred me to The Mortgage Firm, that day, I was in communication with the team and we got the process started. A few weeks later, I got final approval. I would not have made my closing date without them.
Nicholas J
Nicholas J
Orlando, FL

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

(863) 937-8024

NOTE: After the form submission, we will receive your message and you will be redirected to our secure online loan application portal.