Our mission is to set a high standard in the mortgage industry by offering superior loan products and outstanding personal customer service, while remaining committed to the highest degree of integrity.  We are dedicated to providing you with top customer service and assistance in finding options that meet your home buying needs.

Why use a Mortgage Broker ?

There are many benefits of working with a Licensed Mortgage Broker.  A Mortgage Broker can offer many lending options such as a variety of programs and interest rates that can cater specifically to your needs. A Mortgage Broker represents typically several different lenders where a bank only offers one option to you.. their own.

Many borrowers do not realize that all lenders have an appetite for different credit profiles, property types, occupancy types, and programs. A Mortgage Broker can place you with the best lender for your specific needs and obtain the best available interest rate as well.

In simple words, a Mortgage Broker's expertise in the mortgage lending industry can save you time, stress, aggravation and money by shopping interest rates for you and partnering you with the appropriate lender.

Why should you choose Elite Mortgage Concepts ?

Elite Mortgage Concepts has built its business over many years based on a philosophy of 1 borrower at a time. Every application is treated equally and given the upmost attention. Elite Mortgage Concepts has earned the trust of many Realtors, Accountants, Title Agents, and Real Estate Attorneys in the community, not by words but by exemplifying superior service, diligence and performance.  Elite Mortgage Concepts represents many of the largest nationally recognized lenders and the newest up and coming lenders in the industry.

 When you put your trust in Elite Mortgage Concepts, you need to look no further... you are in good hands.

 We offer several financing solutions for you, such as:

  • Purchase Mortgages
  • Refinancing
  • FHA Loans
  • USDA Loans
  • Condo Financing
  • Condo Hotel and Non Warrantable Condo Financing
  • Foreign Nationals
  • No Closing Costs Mortgages
  • HARP Refinance Mortgages
  • Jumbo Financing
  • Commercial Loans
  • Home Path Financing & more...

Experience our expertise

We Haven’t Forgotten Who Keeps Us In Business

We Stand For Service

Personalized Service From People You Trust



• FHA MORTGAGE LOAN- FHA mortgages offer the most flexibility and rate security. An FHA mortgage is an easy way to get a new Florida home loan. Down payments can be as low as 3.5%.              

• VA MORTGAGE LOAN- With relaxed credit standards and low down payment options, the VA loan is geared specifically to help veterans and military personnel get a mortgage and own a home.                                                    

• JUMBO FLORIDA MORTGAGE- If the mortgage amount exceeds the current conforming home loan limit (in most cases $417,000), a Jumbo loan is likely the best choice for you. Jumbo loans can be of the fixed or adjustable variety.

• USDA MORTGAGE LOAN- If you are looking to buy in a rural area, a USDA loan has easy qualifications and many benefits, it's a viable option for many Florida mortgage applicants, including low-income families.

• HARP REFINANCE- You may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage.

• TRUE NO DOC LOANS- Requires NO CREDIT REPORT, INCOME, or asset documentation for underwriting.

• 30 YEAR FIXED RATE FLORIDA MORTGAGE- The 30 year fixed rate Florida mortgage is one of the most popular and secure options available for Florida homebuyers and home owners who want your monthly payments to be low and never change.

• 15 YEAR FIXED RATE FLORIDA MORTGAGE- If you're looking to save thousands in interest expense and you want to own your home quicker versus a 30 year fixed rate mortgage, a 15 year fixed rate mortgage could be good for you. Plus, your payment and interest rate will never change during the term of this mortgage.

• INTEREST ONLY FLORIDA MORTGAGE- An interest only mortgage is great if you are interested in the lowest possible monthly payment for an initial period of time.

• ADJUSTABLE RATE MORTGAGE (ARM)- Savvy borrowers will want to take advantage of the lowest rate available with an adjustable rate mortgage! It's a great loan option if rates are on the decline or you're staying in your home for a short time. 


If you're not sure which loan option is best for you, call us at ( 239 ) 206-1479 and we'll be happy to help you.