A transparent way to view your options.
A transparent way to view your options.
A transparent way to view your options.
See a rate you like and want to lock it in? Contact a Paradise Coast Mortgage team member today.
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Want to explore this rate?
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Questions all resolved in one place
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.