About Shoreline - Shoreline Mortgage

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.

Client Testimonials – What Our Customers are Saying

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

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

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

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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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

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

Exceptional service

Exceptional experience. I never even had to go to an office or meet Michael in person. E signature and good to go. In 3 hours my refinance was secure.

Jeffrey Giordano Miami

The Ideal Experience

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

Best Mortgage Experience

I am more than satisfied with services of Shoreline Mortgage . I worked through this process with Michael Minkoff. Since the first day until the closing date he was very profesional , very dedicated to his work , very knowledgeable mortgage person , always available with all questions, always available with the best answers. He made the process very smooth. His words always were... no worry , we will make it happens . We did .!!!. I will use Michael and this company for my future purchases or refinance and will definitely recommend his services to family and friends . I can't thank him enough. Thank you Michael for everything. You made it posible . Thank you!

Maylene R. Miami, Fl

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