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.

Get a Free Quote

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.

image of an invoice

Refinance a Loan

Refinance a Loan

Get Started Today

image of an invoice

Buy a Home

Buy a Home

Get Started Free

image of an invoice

Submit an Application

Submit an Application

Apply Online

“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.

Get Started Now

01.

Residential Loans

Flexible terms, fast approval, and expert guidance built for homebuyers.

02.

Commercial Leverage

03.

Refinance

04.

Specialty Programs
two ladies looking at a laptop and smiling
lady checking her phone and smiling
person managing their expenses on a laptop
person making a contactless payment with a card
Residential Loans

Flexible terms, fast approval, and expert guidance built for homebuyers.

Commercial Leverage
Refinance
Specialty Programs
two ladies looking at a laptop and smiling
lady checking her phone and smiling
person managing their expenses on a laptop
person making a contactless payment with a card

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.

Calculate Your Mortgage

Calculate Your Mortgage

Total saved with PCM.

$ 11,160

Paid over

1 year

PCM Lenders

~6.8%

$23,472
$23,472

Bank of America

6.95%

$23,844
$23,844

Chase Bank

7.00%

$23,952
$23,952

National Average '25

~7.25%

$24,552
$24,552

Calculate Your Mortgage

Want to explore a rate like this?

Want to explore a rate like this?

Please enter your name and
phone number.

Please enter your name &
phone number.

By continuing, you agree to our Terms of Use

and Privacy policy

Common Mortgage Questions

Questions all resolved
in one place

Speak To An Expert

Speak To An Expert

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.