1. We will live our core values of Integrity, Teamwork, Communication, Service and Continuous Improvement on a daily basis. We will treat you respectfully and professionally, always be truthful and honor our commitments made to you.
2. You will receive a Lock Confirmation by email the day you lock in your rate. The Lock Confirmation will confirm your loan program, loan amount, rate, points and fees.
3. You will be contacted by a Shoreline Mortgage Associate within 24 hours of receipt of your online loan application. We will email you a list of any additional supporting documentation that may be required and provide you with an email and fax number to send the information to us.
4. You or your realtor will be contacted by an appraiser within two working days of receipt of your loan application and appraisal fee to schedule an appointment to appraise your property.
5. We will email you the day your loan is approved by an underwriter. On purchase transactions, we will also provide a Pre-Approval letter.
6. We will email you an Estimated Closing Statement to review and approve prior to drawing your loan documents.
7. All email and telephone messages received during business hours will be returned the same day. Email and telephone messages received after business hours will be returned by noon the next business day.
8. On purchase transactions, we will submit your final loan documents to your closing agent for signing at least two business days prior to your scheduled closing date. We will fund your loan in sufficient time to meet your scheduled closing date.
9. On refinance transactions, we will do our very best to close your loan within 21 days (30 days in times of high volume).
10 We will handle all information and documentation you provide us with the strictest of care and never disclose your information to parties unrelated to the loan process. Documentation containing account numbers or social security numbers that is no longer needed will be shredded.
11. We, the associates of Shoreline Mortgage, individually and collectively commit ourselves to make every effort to ensure compliance with this Commitment to Customer Service.
Client Testimonials – What Our Customers are Saying
Shoreline Mortgage is excellent
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 June 9, 2015
I have dealt with Michael Minkoff in the past. And I found him to be every professional, honest and very forthcoming. This is my third opportunity to have dealt with him on the purchase of Homes and condominiums. And Michael has never disappointed me in any way, during the procedures and purchases of any properties. Over the years I have thought of Michael as more of a friend than a business acquaintance. Michael performs his task over and above its competitors with ease. You guys have a real gem on your hands... Michael Minkoff THE BEST definitely 5 stars.
David Clopton 190 escambi lane Cocoa Beach Florida 32931 January 28, 2016
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 June 15, 2015
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 June 29, 2015
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 May 16, 2016
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 June 14, 2015
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 June 24, 2015
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 June 14, 2015
5 stars , great very smooth process.
Shelley Fromm Plantation, Fl August 15, 2015
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 August 14, 2017
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 July 20, 2015
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 June 24, 2015
Shoreline Morgage – Michael Minkoff
I worked with Michael to refinance my home. He made the process so easy, smooth and helped me every step of the way. He made this experience so much easier then I could imagine. I will recommend his service to anyone I know that needs a mortgage and I will definitely use him again in the future. Thank you for everything!
Yaron Levin Coral Springs FL January 2, 2017
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 June 15, 2015
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 August 23, 2017
Michael is the Best!!
We were looking at so many options for our Refi – 15 Year vs. 30 Year, combining two mortgages into one. We tried working with our bank, but became very frustrated at the inflexibility. We decide to talk to Michael because he had helped us so much with our first mortgage almost 10 years ago. Michael gave us the pros and cons of every option we discussed, and was always open to running multiple scenarios for us. When we finally chose the right financing plan for our needs, Michael guided us through every step of the way.
Henry Jost Fort Myers, FL June 7, 2015
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 June 13, 2015
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 May 16, 2016
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 August 23, 2017
Complex made easy
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 August 23, 2017