10-minute application. Dedicated loan officer. No hidden fees. We fund loans ourselves, no bank middleman.
Best rates for W-2 borrowers with solid credit and stable employment. As low as 3% down.
→ 3.5% DownLower credit scores welcome. Great for first-time buyers and anyone rebuilding.
→ Self-EmployedUse 12–24 months of deposits instead of tax returns. Built for 1099 earners.
→ High-Value HomesFinancing above conforming limits. For luxury and high-value properties across Florida.
→No bank red tape. No wholesale middlemen. We write the check ourselves, which means faster approvals, honest rates, and a loan officer who actually answers the phone.
Get Pre-Qualified →Smart application done in under 10 minutes. No confusing paperwork.
A dedicated loan officer guides every step, available early morning or late night.
True market rates with no markups and zero hidden fees. Direct lending saves thousands.
Our streamlined process eliminates delays so you can move in sooner, not months from now.
Tell us about yourself in 10 minutes. We give you an approval amount instantly so you can start shopping with real numbers, not guesses.
Bedrock Mortgage pre-approvals carry weight with listing agents. They know we close, which means your offer stands out even in competitive markets.
No surprises. No disappointment. When you fall in love with a home, your financing is already handled, you can make a strong offer the same day.
We handle all the paperwork. You pack boxes. Our in-house funding means no delays waiting on a bank, just keys in your hand in 21 days.
"First time buyers, had no idea what we were doing. Got pre-approved for $410k, found a condo in Brickell for $395k. Went conventional with 5% down. Seller paid $8k of our closing costs. Our realtor said Bedrock Mortgage pre-approvals actually mean something to sellers. Closed in 21 days."
"Credit score was 662. Did FHA with 3.5% down on a $285k townhouse. PMI sucks but I'm a homeowner at 26. Can refinance out of it when I hit 20% equity."
"Navy Federal quoted 6.375%, Bedrock Mortgage got me 5.875%. That's $190/month difference, $68k saved over 30 years. Process took 18 days. Way easier than I expected."
With FHA you can put as little as 3.5% down. Conventional loans can go to 3% for first-time buyers. On a $300,000 home, that's $9,000–$10,500 out of pocket, and sellers can pay your closing costs.
FHA accepts credit scores as low as 580. Conventional typically requires 620 minimum. Even if your credit isn't perfect, we'll find the right program for your situation.
Yes. Both FHA and conventional loans allow gift funds from family for your down payment and closing costs. We handle all the documentation so it doesn't slow down your closing.