4.5+ Stars · Homestead
Highly Rated Mortgage Brokers in Homestead, FL
Only the best make this list. These mortgage brokers in Homestead have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 15 mortgage brokers in Homestead, FL by verified customer ratings and review volume. The highest-rated is Mid Florida Mortgage Professionals with a 5.0-star rating from 236 verified reviews. Also in the top tier: Homestead Financial Mortgage and Ocean Trust Insurance & Financial Services. The average rating across all listed mortgage brokers in Homestead is 4.8 stars from 124 reviews per business on average.
Mortgage brokers in Homestead: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
15
Businesses listed
4.8★
Avg rating
124
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Mid Florida Mortgage Professionals
235 S Central Ave, Oviedo, FL 32765, USA
Homestead Financial Mortgage
14897 Clayton Rd, Chesterfield, MO 63017, USA
Ocean Trust Insurance & Financial Services
809 N Homestead Blvd, Homestead, FL 33030, USA
Mortgage Brokers Rankings in Homestead, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Mid Florida Mortgage Professionals235 S Central Ave, Oviedo, FL 32765, USA | 5.0★ | 236 |
| #2 | Homestead Financial Mortgage14897 Clayton Rd, Chesterfield, MO 63017, USA | 4.9★ | 768 |
| #3 | Ocean Trust Insurance & Financial Services809 N Homestead Blvd, Homestead, FL 33030, USA | 5.0★ | 327 |
| #4 | THE MORTGAGE EXPERTS16255 SW 275 St, Homestead, FL 33031, USA | 5.0★ | 33 |
| #5 | Erica G. Ávila - All In One Mortgage Lenders - Homestead’s Trusted Lender1348 Old Dixie Hwy, Homestead, FL 33030, USA | 5.0★ | 7 |
| #6 | Terri Ellis | SouthState Mortgage28801 SW 157th Ave, Homestead, FL 33033, USA | 5.0★ | 12 |
| #7 | Fernando Zamora - Mortgageratemiami.com29051 SW 167th Ct, Homestead, FL 33030, USA | 5.0★ | 8 |
| #8 | DH MORTGAGE GROUP, LLC32269 SW 197th Ave, Homestead, FL 33030, USA | 5.0★ | 7 |
| #9 | Only Mortgages420 NW 12th Ave, Florida City, FL 33034, USA | — | — |
| #10 | Pink Elephant Mortgage1040 SE 19th Ave, Homestead, FL 33035, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Homestead
THE MORTGAGE EXPERTS
16255 SW 275 St, Homestead, FL 33031, USA
Erica G. Ávila - All In One Mortgage Lenders - Homestead’s Trusted Lender
1348 Old Dixie Hwy, Homestead, FL 33030, USA
Terri Ellis | SouthState Mortgage
28801 SW 157th Ave, Homestead, FL 33033, USA
Fernando Zamora - Mortgageratemiami.com
29051 SW 167th Ct, Homestead, FL 33030, USA
DH MORTGAGE GROUP, LLC
32269 SW 197th Ave, Homestead, FL 33030, USA
Only Mortgages
420 NW 12th Ave, Florida City, FL 33034, USA
Pink Elephant Mortgage
1040 SE 19th Ave, Homestead, FL 33035, USA
Chase Mortgage
13701 SW 288th St, Homestead, FL 33033, USA
Space Coast Credit Union | Homestead, FL
2804 NE 8th St, Homestead, FL 33033, USA
Mortgage, Bank of America
3050 NE 43rd Ave, Homestead, FL 33033, USA
Fidelity Home Group
4700 Millenia Blvd Ste 175, Orlando, FL 32839, USA
Florida Mortgage Providers
2101 Amador Pl, Oviedo, FL 32765, USA
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Frequently Asked Questions — Mortgage Brokers in Homestead
What does a mortgage broker do differently than going directly to a bank in Homestead?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Homestead?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in FL?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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