To help you better understand the refinance process, we’ve listed below some of the major milestones in refinancing you home.

Step 1: Define your goals

One of te most important steps before deciding whether or not mortgage refinancing will benefit you is to determine what your objectives are. Is your goal to reduce your monthly payment or pull cash out of your equity for home improvements or debt consolidation? Are you looking to fix your adjustable rate or get rid of mortgage insurance? Once you determine your goals, you can take a look at the various home loan programs available to decide which loan option helps you achieve those goals. Please be sure to visit our Loan Options page to learn about all of the loan programs options that are available..

Step 2: Inquire online or call one of our Licensed Loan Advisors

Once you’ve defined your goals and researched all of the loan options available, you can submit your information online or pick up the phone to speak with one of our mortgage experts. Your Loan Advisor can answer any questions you have about how to refinance, the loan program you’re considering and can make recommendations to ensure your new loan is structured to accomplish your goals. At this point your loan advisor will show you estimated closing costs, monthly payment figures and a complete numbers summary of what your refinance can look like.  We’ll make sure that you understand every detail of your loan program and answer any questions you have before moving forward. When you’re ready, you can apply online or call us at 888-353-1558 to speak with a Licensed Loan Advisor

Step 3: Apply for your loan

You can either (1) Apply Online, (2) call us at (888)353-1558 and a licensed loan advisor will take your loan application over the phone or (3) If you are local to our offices, you can set an appointment and meet with a loan advisor to make application.

Step 4: Receive your forms

A complete set of application forms will be prepared inserting your personal information and transaction numbers. In there will also be all the federally required disclosures like the Good Faith Estimate of Closing Costs and Federal Truth-in-Lending Statement. To expedite things as quickly as possible the application forms will be sent to you via email. The email will contain application forms for you to sign and a checklist of items we’ll need to secure your loan approval. Typically this includes documents relating to your income and asset accounts like W-2 forms, recent paycheck stubs, and bank statements. Return your documents and the process continues to move quickly.

Step 5: We’ll handle it from here

Your loan file will be submitted to the underwriter for review and formal approval. There is no application fee but at this point you will be paying for your property appraisal using a credit card or even a bank debit card. We’ll order the appraisal from a licensed appraiser who is familiar with home values in your area. Title insurance will be necessary, and we’ll take care of ordering the title work for you. We’ll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents. Your assigned Loan Advisor will keep you informed every step of the way via telephone or e-mail

Step 6: Close your loan

After we receive your appraisal, title work and loan approval, we’ll contact you to schedule your loan document signing appointment. This appointment will generally take 30 minutes to an hour and can be done at the convenience of your home, office or approved settlement location. A few days before closing your Loan Advisor will contact you to walk through the final information so that there won’t be any surprises at closing.

That’s all there is to it! Apply Now you will be on your way to the most convenient home loan ever!

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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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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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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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

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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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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

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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

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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

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5 stars , great very smooth process.

Shelley Fromm Plantation, 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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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

ApplyOnline

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

        

To help you better understand the refinance process, we’ve listed below some of the major milestones in refinancing you home.

Step 1: Define your goals

One of te most important steps before deciding whether or not mortgage refinancing will benefit you is to determine what your objectives are. Is your goal to reduce your monthly payment or pull cash out of your equity for home improvements or debt consolidation? Are you looking to fix your adjustable rate or get rid of mortgage insurance? Once you determine your goals, you can take a look at the various home loan programs available to decide which loan option helps you achieve those goals. Please be sure to visit our Loan Options page to learn about all of the loan programs options that are available..

Step 2: Inquire online or call one of our Licensed Loan Advisors

Once you’ve defined your goals and researched all of the loan options available, you can submit your information online or pick up the phone to speak with one of our mortgage experts. Your Loan Advisor can answer any questions you have about how to refinance, the loan program you’re considering and can make recommendations to ensure your new loan is structured to accomplish your goals. At this point your loan advisor will show you estimated closing costs, monthly payment figures and a complete numbers summary of what your refinance can look like.  We’ll make sure that you understand every detail of your loan program and answer any questions you have before moving forward. When you’re ready, you can apply online or call us at 888-353-1558 to speak with a Licensed Loan Advisor

Step 3: Apply for your loan

You can either (1) Apply Online, (2) call us at (888)353-1558 and a licensed loan advisor will take your loan application over the phone or (3) If you are local to our offices, you can set an appointment and meet with a loan advisor to make application.

Step 4: Receive your forms

A complete set of application forms will be prepared inserting your personal information and transaction numbers. In there will also be all the federally required disclosures like the Good Faith Estimate of Closing Costs and Federal Truth-in-Lending Statement. To expedite things as quickly as possible the application forms will be sent to you via email. The email will contain application forms for you to sign and a checklist of items we’ll need to secure your loan approval. Typically this includes documents relating to your income and asset accounts like W-2 forms, recent paycheck stubs, and bank statements. Return your documents and the process continues to move quickly.

Step 5: We’ll handle it from here

Your loan file will be submitted to the underwriter for review and formal approval. There is no application fee but at this point you will be paying for your property appraisal using a credit card or even a bank debit card. We’ll order the appraisal from a licensed appraiser who is familiar with home values in your area. Title insurance will be necessary, and we’ll take care of ordering the title work for you. We’ll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents. Your assigned Loan Advisor will keep you informed every step of the way via telephone or e-mail

Step 6: Close your loan

After we receive your appraisal, title work and loan approval, we’ll contact you to schedule your loan document signing appointment. This appointment will generally take 30 minutes to an hour and can be done at the convenience of your home, office or approved settlement location. A few days before closing your Loan Advisor will contact you to walk through the final information so that there won’t be any surprises at closing.

That’s all there is to it! Apply Now you will be on your way to the most convenient home loan ever!

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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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

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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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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

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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

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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 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

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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

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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

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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 Amendola Key Largo, 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

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