Overall, FHA loans provide more flexibility in credit, income, and equity/down payment requirements, and are great alternatives to conventional loans. They do include a Mortgage Insurance Premium (MIP), as well as monthly mortgage insurance, but FHA loans still enable many homeowners who wouldn’t qualify for conventional financing to purchase or refinance a home.
Why get an FHA loan?
Put just 3.5% down
Easier to qualify for
Fixed-rate and adjustable rate loans are available
Credit scores as low as 550
Down-payment and closing costs can be a gift from family
Client Testimonials – What Our Customers are Saying
Over the Top
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 August 20, 2017
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 June 7, 2015
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
5 stars , great very smooth process.
Shelley Fromm Plantation, Fl August 15, 2015
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
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
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
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
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
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
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 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
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
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 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
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 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
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
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
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