The mortgage team at Citizens Financial has over a hundred years of combined experience in South Florida. This familiarity enables us to offer you the most beneficial loan in this unique market. We promise to do whatever we can to make you a customer for life. The vast majority of our business comes from Realtors and satisfied borrowers. Our licensed Mortgage Brokers are knowledgeable, motivated, and responsive to your needs. There are a number of reasons that we have been and will continue to be an industry leader:

Lender Network with Wholesale Rates

Our office has access to the wholesale rates of hundreds of lenders. Instead of having just one rate available, we are able to submit your loan through the lender that has the best rate at a particular time. It should come as no surprise that different lenders specialize in different loan products. We will find the best product for your needs, and we don’t get paid until you are satisfied.

Fast approvals

We are able to give immediate pre-qualifications and loan approvals. Rather than simply guess whether or not you qualify for a particular loan, we use automated underwriting systems to be certain. These pre-qualifications and approvals take minutes and there is never any cost or obligation to learn what we can do for you.

Superior Customer Service

Our Licensed Mortgage Brokers are ready to take your application and give you a loan approval seven days a week. We know that regular banking hours just aren’t convenient and want to work around your schedule. Once your loan is in process, we are always available via office and cell phone to answer your questions. Hundreds of satisfied borrowers already know that we will do whatever we can to earn your future business.

Quick Conforming and Jumbo Loans

Because our office structure was designed to handle hundreds of new applications per month, we are able to close your conforming or jumbo loan faster than most lenders while maintaining a superior level of customer service. We can usually fund your conforming loan within two weeks from when we receive your loan paperwork. Each member of our team works tirelessly to close your loan as quickly as possible.

Fast and Easy Equity Lines

Whereas other lenders may offer you only one equity line option, we can find the perfect equity line for your needs. We can help you avoid closing costs and secure the lowest rate possible based on your unique situation. Our loan officers take as much care with your equity line as they would any other type of loan.

Simple Construction Financing

If you are interested in a construction-to-permanent loan, look no further. Our construction financing is hassle-free and features a draw schedule that exceeds the expectations of most builders. Our Construction Lending department has years of experience with builders and can help you understand all of the issues involved in the construction of your new home.

No Income / No Asset Documentation Loans

For borrowers that are unable to document their income or assets, we can offer conventional loan programs that do not verify income, assets, or both. Many of our affiliated lenders specialize in a certain type of non-conforming loan, so it is imperative that your Mortgage Broker have the experience necessary to select the right loan for your situation.

Competitive Financing for Borrowers with Any Type of Credit

No matter what your credit, we can find great loan terms for you or advise you how to position yourself for home financing. We will go over your credit report with you and explain what factors determine your interest rate and maximum loan amount. We can deal with late payments, existing collection accounts, or even a recent bankruptcy.