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.
Lowering your rate and payment is just one of many great reasons to consider refinancing your loan. Have you thought about converting your current adjustable rate into a 30-year fixed loan? How about pulling cash out of your equity to remodel your bathroom or put in new floors? With attractive rates and loan programs, now may be the best time to make a move.
Before you refinance your home, it's important to know what questions to ask, research what options are available, and determine whether or not refinancing will benefit you. Once you decide that refinancing will help you meet your objectives, be sure you understand the process so that you know what to expect.
A list of some of the most frequently asked refinance 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 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 Clopton190 escambi lane Cocoa Beach Florida 32931January 28, 2016
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 MonahanLongwood, FLMay 16, 2016
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
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
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 HouleParkland, FlJune 7, 2015
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 HartLand O Lakes FloridaJune 15, 2015
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 GerhartJacksonville, FlJune 8, 2015
5 stars , great very smooth process.
Shelley FrommPlantation, FlAugust 15, 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
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 SenthilMiramar, FLJune 24, 2015
Here are 3 Great Choices to get you moving in the right direction