What’s the benefit of a home loan from Shoreline Mortgage?
We are a direct correspondent lender We control the entire mortgage lending process, enabling us to deliver low rates, fast approvals, and closings up to 50% faster than the industry average.
You get the right home loan for you… not us We have a strict “No Steering” policy, assuring that you get the right loan for your current and future needs. Choices for home loans include FHA, Jumbo, ARM and fixed mortgage programs.
Our mortgage expertise We are recognized pioneers in our industry and our loan officers are federally and state licensed in accordance with the federal government’s S.A.F.E. Act.
What is a pre-approval and how to get pre-approved
A pre-approval is a formalized process where a lender reviews the buyer’s credit, income, and assets to determine whether that buyer will qualify for a loan and the maximum loan amount and maximum purchase price for which the buyer qualifies. It’s similar to a loan approval but faster and not as intensive.
Buying a home is an exciting yet stressful time, especially if you're a first time homeowner. Many buyers don't realize that there's a lot of prep work to do before you even start looking at homes. For example, did you know that real estate agents and sellers consider a pre-approved buyer's offer more attractive than the same offer from a buyer who has not been pre-approved?
A list of some of the most frequently asked purchase questions. If your question
isn’t addressed here, please call and speak with one of our experienced loan advisors who will be happy to answer any questions you have.
Client Testimonials – What Our Customers are Saying
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 GonzalezMiramar, FLDecember 7, 2016
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 VizaroMiami, FLJune 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 GiordanoMiamiDecember 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 HaberkornMiami, FLJanuary 28, 2016
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, FLAugust 14, 2017
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 MillerCoral Springs, FLMay 16, 2016
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 AmendolaKey Largo, FLJune 24, 2015
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 ShallerFloridaDecember 7, 2016
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 JostFort Myers, FLJune 7, 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 YangWeston FLJune 15, 2015
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