We lend our own capital. No middlemen, no markups, just better rates and a team that closes in 21 days.
Best rates for W-2 borrowers with solid credit and stable employment history.
→ 3.5% DownLower credit scores welcome. Great for first-time buyers.
→ No Tax ReturnsQualify on rental income alone. For investors building a real estate portfolio.
→ Self-EmployedUse 12–24 months of bank deposits instead of tax returns. Built for entrepreneurs.
→ High-Value HomesFinancing above conforming limits for luxury properties across Florida.
→ Non-US CitizensDSCR programs for non-resident investors buying Florida real estate.
→Most lenders are middlemen. They take your application, shop it to a bank, and mark up the rate. We don't. We fund loans from our own capital, which means we control the rate, the timeline, and the decision.
Start your application →No middlemen, no delays, no markup. When we say best rates, we mean it, because we're the ones writing the check.
The industry average is 45+ days. We cut it in half, every time, not just sometimes.
True market rates. Zero markup. Save thousands over the life of your loan compared to what banks quote.
One loan officer. Your file. Your calls answered. Not a call center, a real person reachable when it matters.
Get your approval amount instantly and start shopping with confidence today.
Real estate agents return your calls when you have a pre-approval letter in hand.
No surprises. No disappointment. Just confident offers on homes you love.
We handle the paperwork while you pack boxes and plan your housewarming.
"I'm a freelance designer and got rejected by Wells Fargo because my tax returns looked terrible after write-offs. Bedrock Mortgage used my bank statements instead and I got approved in 3 days. Closed on our Coral Gables condo 18 days later. Chase quoted me 7.5%, these guys got me 6.875%."
"Bought my second rental property with a DSCR loan. No tax returns, no W2s, they literally just looked at the rent vs. the mortgage payment. BofA wanted 25% down and 8.1%, Bedrock Mortgage did 20% down at 7.25%. The property cash flows $800/month. Already working on property #3 with them."
"First time buyer, credit score was 695. My realtor said I'd need FHA but Bedrock Mortgage got me conventional with 5% down. Saved me from paying PMI for 11 years. Navy Federal quoted 7.1%, ended up with 6.625%. My payment is $312/month less than their quote. Do the math on 30 years."
Sample rates · 780+ credit · 20% down · Florida primary residence · Updated April 9, 2026
Rates are representative samples. Your actual rate depends on credit profile, LTV, property type, and market conditions.
I'm buying a in county, FL for , putting % down. My credit score is , and I plan to use it as my .
I have a mortgage balance of at % interest on my in county, FL worth . My credit score is , and I use it as my .
*Property tax and insurance are estimates based on Florida averages. Actual amounts may vary by location and property.
Questions? Call us at (877) 777-7262
We're real people, not robots. Reach out and a loan officer will get back to you within one business day.
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hello@bedrock.mortgage
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Start your application. Close in 21 days.