Same Day · Palm Coast
Same-Day Mortgage Brokers in Palm Coast, FL
Can't wait a week? These mortgage brokers in Palm Coast offer same-day or next-day appointments. Call now to check availability.
As of June 2026, RatingsNearMe ranks 19 mortgage brokers in Palm Coast, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is FLO Mortgage with a 5.0-star rating from 140 Google reviews and an RNM Score of 85/100. 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 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Palm Coast, FL is home to a variety of mortgage brokers who can assist consumers with home loans and refinancing. These professionals can help navigate the mortgage process and find competitive rates and terms.
- ✓Mortgage brokers in Palm Coast can help consumers compare loan options from multiple lenders
- ✓Brokers can provide guidance on credit requirements, down payments, and other mortgage qualifications
- ✓Researching and comparing multiple local mortgage brokers can help consumers find the best fit for their needs
Best Overall
American Home Mortgage Group
American Home Mortgage Group is top-ranked for its strong local reputation and comprehensive mortgage services in Palm Coast.
Most Reviewed
American Home Mortgage Group - The WAVE Team - Michael J. Akialis NMLS #832250
A high review count indicates broad customer experience and trust, helping you gauge service reliability.
When choosing a mortgage broker in Palm Coast, compare loan options and fees across multiple brokers, and read recent reviews to ensure they align with your specific needs.
How to Choose a Mortgage Broker in Palm Coast
What to look for
- • Experience and expertise in the Palm Coast, FL mortgage market
- • Strong communication and responsiveness
- • Transparent fees and cost estimates
- • Positive reviews and references from past clients
Questions to ask
- • How long have you been a mortgage broker in Palm Coast, FL?
- • What is your typical turnaround time for pre-approvals and closings?
- • Can you provide a detailed cost breakdown, including all fees and closing costs?
Red flags
- ⚠ Unwillingness to provide references or client testimonials
- ⚠ Vague or unclear pricing information
- ⚠ High-pressure sales tactics or unrealistic promises
In Florida, mortgage brokers must be licensed by the Office of Financial Regulation. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
55
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Trusted Palm Coast mortgage broker with 5.0 stars from over 140 Google reviews.
212 Moody Blvd, Flagler Beach, FL 32136, USATrusted Palm Coast mortgage broker with a perfect 5.0★ rating from 122 reviews.
408 S Central Ave, Flagler Beach, FL 32136, USA5.0 stars from 95 Google reviews, a top-rated Palm Coast mortgage broker.
18 Market Ave Suite 125, Palm Coast, FL 32164, USAMortgage 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 | Approved Mortgage Source LLC50 Leanni Way UNIT B6, Palm Coast, FL 32137, USA | 4.8★ | 94 |
| #5 | WIN Mortgage LLC316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA | 5.0★ | 50 |
| #6 | Motto Mortgage Selections460 Palm Coast Pkwy SW Suite 1, Palm Coast, FL 32137, USA | 5.0★ | 17 |
| #7 | East Coast Mortgage Lenders: Peggy Hornick3228 SW Martin Downs Blvd #1, Palm City, FL 34990, USA | 5.0★ | 39 |
| #8 | Saltwater Funding, Inc.4871 Palm Coast Pkwy NW Suite 5, Palm Coast, FL 32137, USA | 5.0★ | 8 |
| #9 | The Florida Mortgage Guy316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA | 5.0★ | 63 |
| #10 | East Coast Mortgage Lenders, Inc.3228 SW Martin Downs Blvd, Palm City, FL 34990, USA | 4.9★ | 57 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Palm Coast
Trusted Palm Coast mortgage broker with a 4.8★ rating from 94 reviews.
50 Leanni Way UNIT B6, Palm Coast, FL 32137, USA
Palm Coast mortgage broker with a perfect 5.0-star rating from 50 Google reviews.
316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA
460 Palm Coast Pkwy SW Suite 1, Palm Coast, FL 32137, USA
Rated 5.0 stars from 39 Google reviews, this Palm Coast broker is highly trusted.
3228 SW Martin Downs Blvd #1, Palm City, FL 34990, USA
4871 Palm Coast Pkwy NW Suite 5, Palm Coast, FL 32137, USA
Rated 5.0 stars from 63 Google reviews, consistently earning top client praise.
316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA
4.9-star rating from 57 Google reviews reflects exceptional local client satisfaction.
3228 SW Martin Downs Blvd, Palm City, FL 34990, USA
5.0-star rating from over 30 reviews highlights trusted local mortgage guidance.
25 Old Kings Rd N, Palm Coast, FL 32137, USA
4.9 stars from 36 reviews, reflecting exceptional client satisfaction in Palm Coast.
408 S Central Ave, Flagler Beach, FL 32136, USA
800 Belle Terre Pkwy suite 200-117, Palm Coast, FL 32164, USA
460 Palm Coast Pkwy SW Suite 1, Palm Coast, FL 32137, USA
Palm Coast mortgage broker with a perfect 5.0-star rating from 83 Google reviews.
901 SW Martin Downs Blvd #200A, Palm City, FL 34990, USA
5.0 stars from 72 Google reviews, reflecting exceptional local client satisfaction.
4869 Palm Coast Pkwy NW Suite 2, Palm Coast, FL 32137, USA
Top-rated Palm Coast mortgage broker with 4.9 stars from 63 reviews.
408 S Central Ave, Flagler Beach, FL 32136, USA
Palm Coast mortgage broker with a perfect 5.0-star rating from 47 Google reviews.
61 Cimmaron Dr, Palm Coast, FL 32137, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Palm Coast, FL.
Mortgage Brokers in Palm Coast, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | FLO Mortgage | 85/100 | 5.0 ★ | 140 |
| 2 | American Home Mortgage Group - The WAVE Team - Michael J. Akialis NMLS #832250 | 84/100 | 5.0 ★ | 122 |
| 3 | Fairway Independent Mortgage Corp. - The Loan Pro Team | 83/100 | 5.0 ★ | 95 |
| 4 | Approved Mortgage Source LLC | 80/100 | 4.8 ★ | 94 |
| 5 | WIN Mortgage LLC | 80/100 | 5.0 ★ | 50 |
| 6 | Motto Mortgage Selections | 74/100 | 5.0 ★ | 17 |
| 7 | East Coast Mortgage Lenders: Peggy Hornick | 78/100 | 5.0 ★ | 39 |
| 8 | Saltwater Funding, Inc. | 70/100 | 5.0 ★ | 8 |
| 9 | The Florida Mortgage Guy | 81/100 | 5.0 ★ | 63 |
| 10 | East Coast Mortgage Lenders, Inc. | 79/100 | 4.9 ★ | 57 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Palm Coast to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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 10, 2026.
More Home Services in Palm Coast
Related Searches
More ways to find mortgage brokers in Palm Coast
Mortgage Brokers in nearby cities