Business Details
Your Trusted Florida Mortgage Lending Partner
East Coast Mortgage Lenders has established itself as a trusted partner in the mortgage industry, dedicated to simplifying the home financing process for clients across Florida. With a team of experienced loan officers, we leverage cutting-edge financial tools and personalized service to help clients secure mortgages tailored to their unique needs. Our expertise spans conventional, government-backed, and specialty loan programs, ensuring access to diverse lending solutions. We prioritize transparency, ethical practices, and client education, empowering informed decision-making.Backed by decades of collective industry experience, our team maintains a steadfast commitment to customer satisfaction, offering guidance through every step of the mortgage journey. Our partnerships with multiple lending institutions allow us to provide competitive rates and innovative products, adapting to evolving market conditions while maintaining a client-centric approach.
Services
FHA Loans
VA Loans
Jumbo Loans
Refinance Options
Construction Loans
USDA Loans
Non-QM Loans
HomeStyle Renovation Loans
Highlights and features
- Experienced loan officers with specialized mortgage expertise
- Access to multiple lending institutions and competitive loan products
- Personalized service tailored to individual financial situations
- Streamlined mortgage process with transparent communication
- Comprehensive loan education and affordability guidance
Associations and certifications
- Nationwide Mortgage Licensing System (NMLS)
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. These mortgages, insured by the Federal Housing Administration, benefit first-time buyers and those with moderate credit histories. Our specialists guide clients through qualifying criteria, including 3.5% down payment options for borrowers with 580+ credit scores.
VA Loans
VA loans offer zero-down payment mortgages for eligible veterans and active-duty personnel. Backed by the Department of Veterans Affairs, these loans feature competitive rates and no private mortgage insurance requirements. We assist veterans with certificate of eligibility processing and streamlined refinancing options.
Jumbo Loans
Jumbo loans finance high-value properties exceeding conventional loan limits. Available with fixed or adjustable rates up to $3 million, these mortgages cater to luxury home buyers. Our team provides customized terms for primary residences, second homes, and investment properties with specialized underwriting considerations.
Construction Loans
Construction loans finance custom home building projects with interest-only payments during the 12-month construction period. Our one-time close solution combines construction and permanent financing, locking in mortgage rates before construction begins while managing draw schedules for builder payments.
Refinance Options
Refinance programs reduce monthly payments, access home equity, or change loan terms. We offer rate-and-term refinancing, cash-out options, and FHA streamline programs without appraisal requirements. Our process evaluates current mortgage terms against market conditions to optimize savings potential.
People
Michael Pollis
Senior Vice President Principal Loan Originator
With over 25 years in mortgage banking, Michael specializes in complex loan structures and executive client services. He holds advanced certifications in jumbo and non-QM financing, guiding clients through luxury property acquisitions.
Bart Caso
Senior Loan Officer
Bart brings 18 years of local market expertise, focusing on first-time homebuyer programs and FHA loan processing. He has helped over 1,000 families achieve homeownership through personalized mortgage solutions.
Carolyn Turner
Senior Loan Officer
Specializing in VA loans and military relocation programs, Carolyn has served veterans for 15 years. Her background in loan underwriting ensures efficient processing for service members transitioning to civilian homeownership.
Jerry Jackson
Senior Loan Officer
Jerry focuses on USDA rural development loans and investment property financing. With a decade of experience in Florida's real estate market, he provides strategic advice for buy-to-let property portfolios.
Katelyn Laviano
Junior Vice President
Katelyn manages the loan operations team with expertise in construction-to-permanent financing. She holds a Certified Mortgage Planning Specialist designation, optimizing loan structures for custom home builders.
Questions
What mortgage loan types do you offer?
We provide FHA, VA, USDA, jumbo, construction, and non-QM loans, along with refinance options tailored to various financial situations.
How do I determine my home buying budget?
Our loan calculators and mortgage specialists help analyze income, debts, and financial goals to establish realistic home buying budgets.
Can I refinance with bad credit?
We offer flexible refinance programs including FHA streamline options that may accommodate lower credit scores with existing FHA loans.
Do you offer first-time homebuyer programs?
Yes, we specialize in first-time buyer assistance through HomeReady, Good Neighbor Next Door, and FHA loan programs with low down payment options.
What documentation is needed for mortgage approval?
Standard requirements include income verification, asset statements, credit history, and property details, with specialized documentation options available for non-QM loans.
