Internet Direct Since 1989

Shoreline Mortgage was founded in 1989 as an Internet Direct Lender, committed to using technology to provide a lower cost, more convenient mortgage to our customers. Our system eliminates the commissioned loan officer, the highest cost component of the mortgage process. We further reduce costs by utilizing automated underwriting systems and other technologies, and by funding throughout the state of Florida from a single location. Shoreline Mortgage was founded by Michael Minkoff who continues to serve as president.

Federal and State Regulated

We are licensed and in good standing with multiple Federal and State regulatory agencies including:

Guaranteed Closing Costs

While other lenders provide you with a “Loan Estimate” aka Good Faith Estimate of closing costs, Shoreline Mortgage provides you with a Guarantee of Closing Costs. We guarantee not only the lender related fees but those of third party service providers as well.

Online Application & Approval

Our user-friendly online application can be completed in approximately 15 minutes. Upon submission, your application will be run through our Automated Underwriting System and you will be given the option to lock or float your rate. You will also be provided with a list of required documents (income, asset, identification etc.) and a secure Internet portal to electronically upload the documentation.  Apply Now

Free Pre-Qualification and Pre-Approval Letters

For customers looking to purchase a new home, upon completion of our online application, we will issue you a Pre-Qualification Letter based on the information you provide in your application and your credit report. We then take the process one step further. At no cost to you, we will collect your supporting documentation (such as paystubs and bank statements), underwrite your file and issue a Pre-Approval Letter. This is the strongest approval you can obtain prior to executing a contract to purchase a specific home, and will greatly strengthen your offer. It also allows us to close your loan in as few as 10 days from contract date, giving you added bargaining power! Learn More

Values-Based Company

We are committed to conducting business in accordance with the highest ethical standards in order to merit the complete trust of our customers, vendors, loan investors, regulators, the general public and our fellow employees. All business decisions are made in a manner consistent with our Core Values and Code of Ethics.

Commitment to Customer Service

We recognize the importance of delivering a high level of customer service in addition to great rates. All of our employees are committed to maintaining our Customer Service Standards.

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Client Testimonials – What Our Customers are Saying

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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

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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

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My fiance and I purchased our first home last year and we didn’t understand anything about the mortgage process. We met with one broker and we were still confused. We were advised to meet with Michael Minkoff. Michael is extremely knowledgeable and attentive which made both of us feel so comfortable. Everything went so smoothly, and he locked us in at the lowest possible interest rate. We couldn’t have asked for a better experience. Shoreline Mortgage made us feel like we were one of their top clients.

David Houle Parkland, Fl

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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

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5 stars , great very smooth process.

Shelley Fromm Plantation, Fl

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Our good friend recommended Michael and he helped us to secure a mortgage on our second house in Miramar, FL. We closed our house right on time without any delays. Michael took care of every single detail in the loan approval process and explained very clearly about the different options that was available to us. He guided us in such a professional manner that we didn’t have to worry about anything. He was very prompt and kept us updated throughout the process which went very smoothly. It was a pleasure to work with him and will highly recommend him to our friends too. Thank you Michael!

Kumar Senthil Miramar, FL

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The service and personal attention we received from Michael Minkoff was exceptional and beyond what we were expecting! His knowledge of the local and national market and his commitment in finding us the best rate helped us in our search for our dream home. As first time home buyers everything was new to us and the most important thing we wanted was someone we could trust to give us the best advice. After patiently going through every figure and explaining what each payment was for, Michael made sure we were comfortable and sure of our decisions. He was there for us every step of the way. I'm glad we chose his services and would recommend him to anyone buying a home.

Thomas Coyle Clearwater, Fl

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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

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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

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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

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Internet Direct Since 1989

Shoreline Mortgage was founded in 1989 as an Internet Direct Lender, committed to using technology to provide a lower cost, more convenient mortgage to our customers. Our system eliminates commissioned loan officer, the highest cost component of the mortgage process. We further reduce costs by utilizing automated underwriting systems and other technologies, and by funding throughout the state of Florida from a single location. Shoreline Mortgage was founded by Michael Minkoff who continues to serve as president.

Federal and State Regulated

We are licensed and in good standing with multiple Federal and State regulatory agencies including:

Guaranteed Closing Costs

While other lenders provide you with a Good Faith Estimate of closing costs, Shoreline Mortgage provides you with a Guarantee of Closing Costs. We guarantee not only our own fees but those of third party service providers as well. Learn More

Online Application & Approval

Our user-friendly online application can be completed in approximately 15 minutes. Upon submission, your application will be run through our Automated Underwriting System and upon approval you will be given the option to lock or float your rate. You will also be provided with a list of required documentation and a secure Internet portal to upload the documentation. Apply Now

Free Pre-Qualification and Pre-Approval Letters

For customers looking to purchase a new home, upon completion of our online application, we will issue you a Pre-Qualification Letter based on the information you provide in your application and your credit report. We then take the process one step further. At no cost to you, we will collect your supporting documentation (such as paystubs and bank statements), underwrite your file and issue a Pre-Approval Letter. This is the strongest approval you can obtain and will greatly strengthen your offer. It also allows us to close your loan in as few as 10 days from contract date, giving you added bargaining power! Learn More

Values-Based Company

We are committed to conducting business in accordance with the highest ethical standards in order to merit the complete trust of our customers, vendors, loan investors, regulators, the general public and our fellow employees. All business decisions are made in a manner consistent with our Core Values and Code of Ethics.

Commitment to Customer Service

We recognize the importance of delivering a high level of customer service in addition to great rates. All of our employees are committed to maintaining our Customer Service Standards.

Client Testimonials – What Our Customers are Saying

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Outstanding Service!

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

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Complex Situation

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

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Fantastic Mortgage Loan experience

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

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Incredible Experience

I worked with Michael to buy a home in Miami. From my first interaction with Michael to the last moment of the closing, Michael was extraordinarily responsive, attentive and kind. Michael is the consummate professional. He is incredibly patient and knowledgeable about the entire real estate industry. I give him my highest recommendation and would not hesitate to use him again in the future.

Judi Haberkorn Miami, FL

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Michael is the best, hands down!

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

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Professional, Responsive, Easy

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

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Michael is the only Mortgage Broker you should work with!

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

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Lixin Wan

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

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On the ball

By far the most convenient, transparent and responsive mortgage broker I have worked with. I've dont multiple loans with Michael and each time he has exceeded expectations.

Jon Shaller Florida

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Great experience for the second time

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

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Professional job

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

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Experience with Michael at Shoreline

When I purchased my home last summer, it was the first time I would do so on my own. I had minimal experience with the paperwork and the overall process. The patience extended to me by Michael Minkoff was truly amazing. He walked me through every step of the way. He was knowledgeable, professional, and downright kind. I was and I am very grateful to him for his assistance. I wholeheartedly recommend Mr. Minkoff. Anybody who does business with him will not regret the choice. There are many companies out there, but the knowledge and service extended by Mr. Minkoff by far exceeds the others in the same industry.

Mercy Jacobson Plantation, Florida

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Great Service

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

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Testimonial for Michael Minkoff

My fiance and I purchased our first home last year and we didn’t understand anything about the mortgage process. We met with one broker and we were still confused. We were advised to meet with Michael Minkoff. Michael is extremely knowledgeable and attentive which made both of us feel so comfortable. Everything went so smoothly, and he locked us in at the lowest possible interest rate. We couldn’t have asked for a better experience. Shoreline Mortgage made us feel like we were one of their top clients.

David Houle Parkland, Fl

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Great servce!

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

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House with a view

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

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Thank you

5 stars , great very smooth process.

Shelley Fromm Plantation, Fl

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If you don’t work with Michael now, You’ll hate yourself later.

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

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Michael is the best

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

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Superb Service and Sound Advice

This was my second refinance with Michael Minkoff and Shoreline and I would not deal with anyone else. He offers great guidance and patience through the refinance process. He gets the job done quickly and will smooth any wrinkles in the process. He is always available to answer any questions or concerns before, during and after the refinance. His professionalism is unparalleled! I highly recommend his services.

Kim Monahan Longwood, FL

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