Low Cost · Palm Coast
Cheap Mortgage Brokers in Palm Coast, FL — Best Prices
Compare mortgage brokers prices in Palm Coast to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of June 2026, RatingsNearMe ranks 19 mortgage brokers in Palm Coast, FL by verified customer ratings and review volume. The highest-rated is FLO Mortgage with a 5.0-star rating from 140 verified reviews. Also in the top tier: American Home Mortgage Group - The WAVE Team - Michael J. Akialis NMLS #832250 and Fairway Independent Mortgage Corp. - The Loan Pro Team. The average rating across all listed mortgage brokers in Palm Coast is 5 stars from 55 reviews per business on average.
Mortgage brokers in Palm Coast: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
55
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
FLO Mortgage
212 Moody Blvd, Flagler Beach, FL 32136, USA
American Home Mortgage Group - The WAVE Team - Michael J. Akialis NMLS #832250
408 S Central Ave, Flagler Beach, FL 32136, USA
Fairway Independent Mortgage Corp. - The Loan Pro Team
18 Market Ave Suite 125, Palm Coast, FL 32164, USA
Mortgage Brokers Rankings in Palm Coast, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | FLO Mortgage212 Moody Blvd, Flagler Beach, FL 32136, USA | 5.0★ | 140 |
| #2 | American Home Mortgage Group - The WAVE Team - Michael J. Akialis NMLS #832250408 S Central Ave, Flagler Beach, FL 32136, USA | 5.0★ | 122 |
| #3 | Fairway Independent Mortgage Corp. - The Loan Pro Team18 Market Ave Suite 125, Palm Coast, FL 32164, USA | 5.0★ | 95 |
| #4 | Danielle Desousa, Mortgage Broker FL408 S Central Ave, Flagler Beach, FL 32136, USA | 4.9★ | 63 |
| #5 | Miller Mortgages901 SW Martin Downs Blvd #200A, Palm City, FL 34990, USA | 5.0★ | 83 |
| #6 | Palm Coast Reverse Mortgages800 Belle Terre Pkwy suite 200-117, Palm Coast, FL 32164, USA | 5.0★ | 3 |
| #7 | Kim Bontempo, LoanSource Lending4869 Palm Coast Pkwy NW Suite 2, Palm Coast, FL 32137, USA | 5.0★ | 72 |
| #8 | Jayd Capela Florida's Trusted Mortgage Broker460 Palm Coast Pkwy SW Suite 1, Palm Coast, FL 32137, USA | 5.0★ | 15 |
| #9 | American Home Mortgage Group408 S Central Ave, Flagler Beach, FL 32136, USA | 4.9★ | 36 |
| #10 | Capstone Mortgage18 Market Ave Suite 120, Palm Coast, FL 32164, USA | 5.0★ | 3 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Palm Coast
Danielle Desousa, Mortgage Broker FL
408 S Central Ave, Flagler Beach, FL 32136, USA
Miller Mortgages
901 SW Martin Downs Blvd #200A, Palm City, FL 34990, USA
Palm Coast Reverse Mortgages
800 Belle Terre Pkwy suite 200-117, Palm Coast, FL 32164, USA
Kim Bontempo, LoanSource Lending
4869 Palm Coast Pkwy NW Suite 2, Palm Coast, FL 32137, USA
Jayd Capela Florida's Trusted Mortgage Broker
460 Palm Coast Pkwy SW Suite 1, Palm Coast, FL 32137, USA
American Home Mortgage Group
408 S Central Ave, Flagler Beach, FL 32136, USA
Capstone Mortgage
18 Market Ave Suite 120, Palm Coast, FL 32164, USA
Steve Verrier / The Florida Mortgage Center.com - ANE Lending LLC
61 Cimmaron Dr, Palm Coast, FL 32137, USA
The Florida Mortgage Guy
316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA
WIN Mortgage LLC
316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA
Motto Mortgage Selections
460 Palm Coast Pkwy SW Suite 1, Palm Coast, FL 32137, USA
Approved Mortgage Source LLC
50 Leanni Way UNIT B6, Palm Coast, FL 32137, USA
Pillar Mortgage
25 Old Kings Rd N, Palm Coast, FL 32137, USA
East Coast Mortgage Lenders, Inc.
3228 SW Martin Downs Blvd, Palm City, FL 34990, USA
East Coast Mortgage Lenders: Peggy Hornick
3228 SW Martin Downs Blvd #1, Palm City, FL 34990, USA
Saltwater Funding, Inc.
4871 Palm Coast Pkwy NW Suite 5, Palm Coast, FL 32137, USA
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Frequently Asked Questions — Mortgage Brokers in Palm Coast
What does a mortgage broker do differently than going directly to a bank in Palm Coast?
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 Palm Coast?
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: June 1, 2026.
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