Fixed Rate Loans - Shoreline Mortgage

A fixed rate mortgage allows homeowners to budget the same payment every month for the entire term of the loan. And because our mortgages never have prepayment penalties, if interest rates drop in the future, you can refinance to take advantage of the lower rates.

Why get a fixed rate loan?

Get the security of an interest rate and payment that won’t change
Make budgeting easier.
Put as little down as 5%.
Federally insured FHA Fixed Rate loan programs are also available (starting at 3% down!)

FixedRateComBox

We offer a wide range of fixed rate mortgage programs, from ten years all the way up to thirty. Visit our specific fixed rate program pages to see how each can benefit you!

Why talk to one of our Licensed Loan Advisors??

Talking to a Licensed Loan Advisor is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

I have used Mike at Shoreline many times. I keep going back because there is noone better to work with. I have used others but they simply cannot touch the personalized and professional service that Mike and Shoreline provide. I am a client for life.

David Templer North Miami Beach

Our particular residential situation was unusually complicated because we had to choose loan size/package, we have multiple rental properties with mortgages and have multiple income streams not dominated by traditional employment. Michael Minkoff was extremely effective at helping us navigate through all of this complexity in a very organized, helpful fashion to an excellent financial and personal conclusion. Thank you, Michael.

George H. Schofield Lakewood Ranch, FL

Michael Minkoff was great. He worked through all the different ways we could structure our loan and helped us find the one that was absolutely best for our situation. I really appreciated how quick he was to respond to us throughout the process and yet I never felt rushed, as he made sure we understood everything happening throughout the process. I have been and will continue to recommended him to others I know looking for a mortgage.

Berry Long Longwood, FL

Working with Michael was the best decision we made. He was helpful and informative through the entire process. There were nights that he was up sending me emails about how to quickly repair my credit score, while most people would be sleeping. His dedication to customer service and finding the best mortgage to fit his clients needs is exactly why we will be calling Michael the next time we are purchasing a house.

David Long Orlando, FL

This is the second house we've bough with Michael's help and he made it a painless process yet again. He is always on top of all of the paperwork needed to buy a house, it made it so easy on us. He is professional and such a pleasure to work with.

Erin Fromm Plantation, FL

Michael went above and beyond to communicate and help us through this process. Everything Michael told us was accurate and there were no surprises. I will never use anyone else when financing another property in the future! Thank you Mike!

Andrew G. Saint Pete, FL

My wife and I have bought two homes in the last 4 years and have used Michael services each time. He is quick to give you the information you need to make an informed decision. His knowledge of the market is truly exceptional! He is on your side with the banks and always gives you best deal you qualify for. I would highly recommend Michael to anybody looking to finance a new home.

Jason Fromm Plantation, FL

Michael Minkoff and Shoreline Mortgage proved to be honest, efficient, motivated, knowledgeable and gave us a great rate with a timely closing. I will definitely use their services again and can say that I am completely happy with their services. I was referred to them by a friend and now am happy to pass on my wonderful experiences with others!

Dr. Phyllis Hart Land O Lakes Florida

Mike Minkoff did an outstanding job with my two refinances at the same time! I asked many questions and came up with multiple scenarios and Mike was more than happy to answer everything. He went above and beyond and he knows his stuff.
I would suggest using him again without hesitation.

Peter Amendola Key Largo, FL

I have used Shoreline Mortgage 4 times over the past 20 years. I would highly recommend to anyone.
Communication is over the top!! Night or day, email, phone, text, extremely quick to respond.
Michael explains the entire process from beginning to ending at the closing. He is professional, experienced
extremely patient, kind and available to help any time.

Cynthia Rogers Plantation Florida

Here are 3 Great Choices to get you moving in the right direction

Why get a fixed rate loan?

Get the security of an interest rate and payment that won’t change
Make budgeting easier.
Put as little down as 5%.
Federally insured FHA Fixed Rate loan programs are also available (starting at 3% down!)

FixedRateComBox

We offer a wide range of fixed rate mortgage programs, from ten years all the way up to thirty. Visit our specific fixed rate program pages to see how each can benefit you!

Why talk to one of our Licensed Loan Advisors??

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

This is the second house we've bough with Michael's help and he made it a painless process yet again. He is always on top of all of the paperwork needed to buy a house, it made it so easy on us. He is professional and such a pleasure to work with.

Erin Fromm Plantation, FL

Michael is very professional and knowledgeable. We were extremely lucky to have him help us, not once, but twice on with our mortgages. He knows what he is doing and he gets the job done well before deadline! We never need to worry about anything with his help!

Chloe Yang Weston FL

I can honestly say Michael Minkoff made my first home buying experience a very pleasant one. From our first conversation he explained each and every option that was available to me and I never felt pressured into any decision. My phone call and email communications were handled in a professional and timely manner. All in all I really couldn't imagine my home buying process being any easier. Even now that the deal is done I would still feel 100% comfortable calling Michael with any questions. He extended his expertise beyond the scope of the business deal and I look forward to contacting Michael for my next home purchase. Thanks for everything Michael! Our hats off to you!!

Max Gonzalez Miramar, FL

It was our first time to buy a house. I have zero experiment, Michael Minkoff did all paperwork for us. It was a painless experience, we are so luck to meet you, Michael! Thank you!

Lixin Wan 8509 parrots landing dr. Tampa FL 33647

Throughout the entire process of purchasing my first home, Michael gave me the kind of service and guidance that made me feel as though my needs were his highest priority, and sometimes even his only priority. I certainly felt as though Michael made a significant effort to establish trust and a personal rapport with me, which is critically important for me when dealing in financial matters. As it relates to knowledge of the industry and available products, Michael's level of expertise is yet another reason to feel as though your needs are in the best hands. I have already recommended Michael to three people, and plan to continue doing so whenever a friend, colleague, or family member is considering buying a home or refinancing.

Justin Vizaro Miami, FL

I have used Michael for a mortgage and refinance on two properties. He is very knowledgeable and quick with responses. Both went perfectly and his numbers were spot on. I even referred him to family and friends, all of whom had a great experience. I plan to use Shoreline Mortgage for future investments.

Mike Amendola Deerfield Beach, FL

Michael went above and beyond to communicate and help us through this process. Everything Michael told us was accurate and there were no surprises. I will never use anyone else when financing another property in the future! Thank you Mike!

Andrew G. Saint Pete, FL

I have worked with Michael twice and he is a true professional. He takes the time to ensure that his clients understand the entire process of closing on a mortgage and is always willing to explain things until the client is comfortable. Patient, kind and understanding - Michael is exactly the type of person you want working on your behalf. I would never work with anyone else!

David Gerhart Jacksonville, Fl

Our friends recommended Michael Minkoff to help us secure a mortgage. It's our first house so we never had any experience with the loan process. From the very first phone call I knew we were in the best hands possible!! Michael took the time and explained very clearly about the different options. He took care of every single detail and went above and beyond to bring us to closing in less than one month. During the loan process, he guided us in a very professional manner and kept us updated on the progress.
The whole process was very quick and smooth and we felt very comfortable throughout it. It was a true pleasure to work with Michael!! I'm sure we will work with him again in the future and will highly recommend him for others. Thank you Michael, you are the best!!

Dikla Miller Coral Springs, FL

My wife and I have bought two homes in the last 4 years and have used Michael services each time. He is quick to give you the information you need to make an informed decision. His knowledge of the market is truly exceptional! He is on your side with the banks and always gives you best deal you qualify for. I would highly recommend Michael to anybody looking to finance a new home.

Jason Fromm Plantation, FL