Best Value · Safety Harbor
Affordable Mortgage Brokers in Safety Harbor, FL
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of May 2026, RatingsNearMe ranks 8 mortgage brokers in Safety Harbor, FL by verified customer ratings and review volume. The highest-rated is Superior Mortgage Solutions with a 5.0-star rating from 38 verified reviews. Also in the top tier: GoRascal and United Community Bank. The average rating across all listed mortgage brokers in Safety Harbor is 5 stars from 19 reviews per business on average.
Mortgage brokers in Safety Harbor: 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
8
Businesses listed
5★
Avg rating
19
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Superior Mortgage Solutions
4590 Ulmerton Rd #104, Clearwater, FL 33762, USA
GoRascal
2454 McMullen Booth Rd Suite 716, Clearwater, FL 33759, USA
United Community Bank
8 Booth Blvd, Safety Harbor, FL 34695, USA
Mortgage Brokers Rankings in Safety Harbor, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Superior Mortgage Solutions4590 Ulmerton Rd #104, Clearwater, FL 33762, USA | 5.0★ | 38 |
| #2 | GoRascal2454 McMullen Booth Rd Suite 716, Clearwater, FL 33759, USA | 5.0★ | 30 |
| #3 | United Community Bank8 Booth Blvd, Safety Harbor, FL 34695, USA | 5.0★ | 25 |
| #4 | William Hunter, Finance of America Mortgage LLC100 Main St #301, Safety Harbor, FL 34695, USA | 5.0★ | 6 |
| #5 | American Pacific Mortgage (NMLS #2791226)737 Main St Suite 100 Office 4, Safety Harbor, FL 34695, USA | — | — |
| #6 | Motto Mortgage Golden Fox Advisors701 Enterprise Rd E STE 203, Safety Harbor, FL 34695, USA | — | — |
| #7 | Mortgages & More, LLC810 1st St S, Winter Haven, FL 33880, USA | 5.0★ | 11 |
| #8 | Ignite My Loan3689 Tampa Rd, Oldsmar, FL 34677, USA | 5.0★ | 5 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Safety Harbor
William Hunter, Finance of America Mortgage LLC
100 Main St #301, Safety Harbor, FL 34695, USA
American Pacific Mortgage (NMLS #2791226)
737 Main St Suite 100 Office 4, Safety Harbor, FL 34695, USA
Motto Mortgage Golden Fox Advisors
701 Enterprise Rd E STE 203, Safety Harbor, FL 34695, USA
Mortgages & More, LLC
810 1st St S, Winter Haven, FL 33880, USA
Ignite My Loan
3689 Tampa Rd, Oldsmar, FL 34677, USA
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Frequently Asked Questions — Mortgage Brokers in Safety Harbor
What does a mortgage broker do differently than going directly to a bank in Safety Harbor?
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 Safety Harbor?
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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