About Bedrock Mortgage | Florida Direct Lender Since 2011

Founded in 2013 with a clear mission

Bedrock Mortgage was established to provide direct lending services that benefit borrowers through lower costs and faster closings. As a direct lender, we use our own capital to fund loans, eliminating broker fees and reducing your overall closing costs.

Since our founding, we have helped over 5,000 families and funded more than $2 billion in loans. We specialize in purchase loans, refinances, and investment property financing with an average closing time of 21 days.

Our team has 13 years of combined industry experience and maintains the necessary licenses and certifications to serve borrowers throughout Florida. We are a licensed mortgage lender with NMLS #1104566.

What sets us apart is our direct lending model. Traditional brokers add markup to your rate and charge origination fees. We eliminate those costs by funding loans directly from our own capital, passing the savings to you.

What you get with Bedrock

Direct Lender Benefits

We fund loans with our own capital, not through third parties. This eliminates broker fees and markup, saving you thousands in closing costs and getting you better rates.

Zero Hidden Fees

All costs are disclosed upfront in your Loan Estimate. No surprise fees at closing. No junk fees. What you see is what you pay.

21-Day Average Closing

Our streamlined underwriting process and direct funding capability mean faster closings. We average 21 days from application to closing, helping you compete in competitive markets.

Dedicated Loan Officer

You work with one licensed loan officer from application through closing. No call centers, no transfers. Your loan officer's direct phone number and email for questions anytime.

Licensed & Compliant

Fully licensed in Florida with NMLS #1104566. We follow all federal and state regulations, maintain required insurance, and adhere to industry best practices.

Digital Application Process

Apply online in 10 minutes. Upload documents securely through our portal. Track your loan status 24/7. Get approved faster with less paperwork.

Why direct lending matters for borrowers

Traditional mortgage brokers act as middlemen between you and lenders. They shop your loan to multiple banks, adding fees and markup along the way. As a direct lender, we eliminate that markup and pass the savings directly to you in the form of lower rates and reduced closing costs.

Our lending programs

We offer conventional loans, FHA loans, VA loans, jumbo loans, and DSCR investment property loans. Purchase or refinance. Primary residence, second home, or investment property. We have the products and experience to handle your specific situation.

First-time homebuyers receive dedicated guidance through the entire process. Real estate investors get specialized DSCR programs with no income verification required. Self-employed borrowers have flexible documentation options.

Direct lending with better rates and faster closings