Florida mortgage rates, published every Monday.
A direct lender, since 2002. We post our actual rate sheet — not a teaser — and underwrite every loan in our Oakland Park office.
This week's posted rates.
What “direct” means here.
We lend our own capital.
Your loan stays with HFG from application through closing. No file gets shopped to a wholesale desk. The underwriter who approves your file works in our Oakland Park office and signs their name on it.
One business day to a call.
Every submitted form is on a loan officer’s desk within an hour. We call you back the same day for anything received before 4pm Eastern. The 24-hour pre-approval letter is a posted commitment, not marketing.
Florida is all we do.
Licensed by the Florida Office of Financial Regulation. Active in all 67 counties — coastal condos in Broward, new builds in St. Lucie, refinances on the Gulf. The local knowledge shows up in the appraisal review.
Carlos pulled our refinance from 7.8 to 5.6 in three weeks. Returned every call. The closing was in our living room. That doesn't happen with a bank.
Six fields. One callback. No score impact.
The form below routes to a Florida-licensed loan officer in our Oakland Park office. We pull a soft credit check — no impact to your score — and call within one business day.