The 30 year fixed rate mortgage is our most popular program. The interest rate and monthly payments remain constant and fully pay off the loan in 30 years. This is one of the most stable products available providing the lowest risk. 30 years is the longest term available on a fixed rate mortgage, so the monthly payment will be the lowest of any of the fixed rate options.

People tend to take out 30 year fixed rate mortgages when they intend to stay in their home for a long time. If you intend to stay in your home for less than 10 years, you should also consider an adjustable rate mortgage.

We offer a wide range of fixed rate mortgage programs, from ten years all the way up to thirty. Visit our specific fixed rate program pages to see how each can benefit you!

Why talk to one of our Licensed Loan Advisors??

Talking to a Licensed Loan Advisor is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

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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

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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

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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

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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

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It was our first time to buy a house. I have zero experiment, Michael Minkoff did all paperwork for us. It was a painless experience, we are so luck to meet you, Michael! Thank you!

Lixin Wan 8509 parrots landing dr. Tampa FL 33647

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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

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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

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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

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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

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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

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The 30 year fixed rate mortgage is our most popular program. The interest rate and monthly payments remain constant and fully pay off the loan in 30 years. This is one of the most stable products available providing the lowest risk. 30 years is the longest term available on a fixed rate mortgage, so the monthly payment will be the lowest of any of the fixed rate options.

People tend to take out 30 year fixed rate mortgages when they intend to stay in their home for a long time. If you intend to stay in your home for less than 10 years, you should also consider an adjustable rate mortgage.

We offer a wide range of fixed rate mortgage programs, from ten years all the way up to thirty. Visit our specific fixed rate program pages to see how each can benefit you!

Why talk to one of our Licensed Loan Advisors??

Talking to a Licensed Loan Advisor is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

Here are 3 Great Choices to get you moving in the right direction