Our Loan Advisors are SAFE Act licensed
The government has enacted a new federal licensing requirement known as the SAFE Act, which establishes minimum standards for licensing and registration of loan originators in order to enhance consumer protection. All of our mortgage bankers are SAFE Act licensed and registered and we’re compliant with all federal and state licensing and lending policies.
We’ve created a strict “no-steering policy” where none of our employees are incentivized to put you in one loan program over another – so they’re always looking after your best interest. In addition, we don’t quote teaser rates that our customers cannot qualify for or obtain, and we never charge an application fee.
You get an honest Good Faith Estimate
One of the most far-reaching new federal regulations requires lenders to provide customers a standardized Good Faith Estimate or GFE when disclosing rate and fees. The old GFE was just a best-effort estimate. The new and improved GFE is designed to make all lenders conform to a standardized document guaranteeing that third party services lenders quote upfront are within a 10% tolerance of the actual fees at closing.
Many lenders try to circumvent the new GFE by using “fee worksheets” or other non-approved documents to provide you an estimate that is not bound by the government-regulated GFE. These alternative “work sheets” are used by many lenders, but they can be both misleading and irresponsible. If a lender or broker you’re considering is unwilling or unable to provide what is now lawful practice, we encourage you to move on and do business with a fully compliant lender.
Client Testimonials – What Our Customers are Saying
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
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 June 8, 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
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 June 15, 2015
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 December 7, 2016
5 stars , great very smooth process.
Shelley Fromm Plantation, Fl August 15, 2015
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
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
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 December 7, 2016
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 December 7, 2016
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 January 28, 2016
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
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
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
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
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
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 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
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
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 May 16, 2016