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
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
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
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
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
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
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
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
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
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
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 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
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
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
5 stars , great very smooth process.
Shelley Fromm Plantation, Fl August 15, 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
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, 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
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
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
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