5 stars on Google.
Financing Paradise
Made Simple.
We’re your neighbors on the Paradise Coast, with the tools and access to fit
your unique needs.
We’re your neighbors on the Paradise Coast, with the tools and access to fit your unique needs.
Used by industry leaders
Top Rated
Mortgage Brokerage
What can we help you acheive today?
Let’s turn your homeownership goal into a reality. Connect with our team today, or use our quick calculator to see what you could qualify for.
“Scott and Matt know their mortgage info and have helped my clients achieve home ownership that otherwise wouldn't have occurred. Truly the best always!”
Robert Klein
Realtor in Bonita Springs
Get approved in days, not months.
At PCM, you can get approved, move funds, and manage everything online with no delays. Designed to keep up with your life, not slow it down.
At PCM, you can get approved, move funds, and manage everything online with no delays. Designed to keep up with your life, not slow it down. Percentages are based on estimates and are subject to change.
See How Much You Could Save on Your Mortgage.
See How Much You Could Save on Your Mortgage.
Let us compete for your interest rates, fees, and features like speed of approval or low down payments. Based on a 30-year fixed mortage. Percentages are based on estimates and are subject to change.
Total saved with PCM.
$ 11,160
Paid over
1 year
PCM Lenders
~6.8%
Bank of America
6.95%
Chase Bank
7.00%
National Average '25
~7.25%
Common Mortgage Questions
Questions all resolved
in one place
Questions all resolved
in one place
What makes Paradise Coast Mortgage different from big banks?
We’re local, fast, and personal. You get direct access to real experts, competitive rates, and loan options tailored to the Florida lifestyle, including second homes, condos, and luxury properties. We move fast and close smoothly, without the red tape.
How much do I need for a down payment?
Most loans require 3–20%, depending on the loan type. First-time buyers may qualify for as low as 3% down, while jumbo loans or investment properties usually need more. A 20% down payment avoids private mortgage insurance (PMI).
What credit score do I need to qualify?
Conventional loan: 620+, FHA loan: 580+ (with 3.5% down), VA loan: No set minimum, but lenders typically want 620+. Better credit = better rates.
How long does the mortgage process take?
On average, 20–30 days. At PCM, we often close faster, especially with pre-approval. Having your documents ready (W-2s, pay stubs, bank statements) speeds things up.
How do I get started today?
Use our free mortgage calculator to estimate your payment, or get pre-approved in minutes. Questions? Talk to a local PCM expert today. We’re here to walk you through it, every step of the way.
What makes Paradise Coast Mortgage different from big banks?
We’re local, fast, and personal. You get direct access to real experts, competitive rates, and loan options tailored to the Florida lifestyle, including second homes, condos, and luxury properties. We move fast and close smoothly, without the red tape.
How much do I need for a down payment?
Most loans require 3–20%, depending on the loan type. First-time buyers may qualify for as low as 3% down, while jumbo loans or investment properties usually need more. A 20% down payment avoids private mortgage insurance (PMI).
What credit score do I need to qualify?
Conventional loan: 620+, FHA loan: 580+ (with 3.5% down), VA loan: No set minimum, but lenders typically want 620+. Better credit = better rates.
How long does the mortgage process take?
On average, 20–30 days. At PCM, we often close faster, especially with pre-approval. Having your documents ready (W-2s, pay stubs, bank statements) speeds things up.
How do I get started today?
Use our free mortgage calculator to estimate your payment, or get pre-approved in minutes. Questions? Talk to a local PCM expert today. We’re here to walk you through it, every step of the way.
What makes Paradise Coast Mortgage different from big banks?
We’re local, fast, and personal. You get direct access to real experts, competitive rates, and loan options tailored to the Florida lifestyle, including second homes, condos, and luxury properties. We move fast and close smoothly, without the red tape.
How much do I need for a down payment?
Most loans require 3–20%, depending on the loan type. First-time buyers may qualify for as low as 3% down, while jumbo loans or investment properties usually need more. A 20% down payment avoids private mortgage insurance (PMI).
What credit score do I need to qualify?
Conventional loan: 620+, FHA loan: 580+ (with 3.5% down), VA loan: No set minimum, but lenders typically want 620+. Better credit = better rates.
How long does the mortgage process take?
On average, 20–30 days. At PCM, we often close faster, especially with pre-approval. Having your documents ready (W-2s, pay stubs, bank statements) speeds things up.
How do I get started today?
Use our free mortgage calculator to estimate your payment, or get pre-approved in minutes. Questions? Talk to a local PCM expert today. We’re here to walk you through it, every step of the way.