10-minute application. Dedicated loan officer. No hidden fees. We fund loans ourselves, no bank middleman.
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"Moved to Miami two years ago and kept putting off buying because it felt overwhelming. Finally went through Bedrock Mortgage, got pre-approved for $410k, found a condo in Brickell at $395k. Five percent down, conventional loan, seller covered $8k in closing costs. Our realtor said pre-approvals from these guys actually carry weight with sellers. We closed in 21 days and I still can't believe we pulled it off."
"Credit score was 662 when I started. Most lenders didn't even want to have the conversation. Got approved for FHA with 3.5% down on a $285k townhouse. Yes, I have PMI. I know. But I'm building equity instead of writing a rent check every month. Closed in 19 days."
"Navy Federal had me at 6.375%. I figured that was just what rates were going to be. Called Bedrock Mortgage on a whim and came out at 5.875%. That's $190 less every single month. The whole thing was easier than renewing my car registration."
Most mortgage companies broker your loan to someone else. We fund from our own capital, underwrite in-house, and never pass you off. That's how we close in 21 days, not 45.
Your loan never leaves our hands. No third-party delays, no middleman markup, no surprises at the closing table.
Full underwriting, not a soft pull. Listing agents know which pre-approvals are real. Ours are.
In-house processing and funding means decisions happen fast. Our average is 21 days from application to keys.
The rate we quote is the rate you close at. No junk fees, no bait-and-switch, no surprises on closing day.
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.
→ First-Time BuyerGrants, MCC tax credits, and down payment assistance. We match you with every program you qualify for.
→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.
Start with a pre-approval. It takes under 10 minutes, costs nothing, and tells you exactly what you can afford. Your loan officer will then walk you through which program fits your situation. You don't need to figure that out on your own.
No. That's our job. You tell us your situation: income, savings, credit, and we'll match you with the right program. Most buyers don't know the difference between FHA and conventional until we explain it, and that's completely fine.
Most buyers close in 21 days. We fund every loan ourselves, no bank middleman, no third-party delays. Once your file is complete and the appraisal is in, we move fast.