(877) 777-7262

Win your dream home with
pre-approval in minutes

Pre-approval in 10 minutes. Close in 21 days.

3.5%
Down ($10K on $300K home)
21 Days
Average closing time
$0
Hidden fees

Why choose Bedrock Mortgage for your home?

Effortless Application

Our smart application asks fewer questions and adjusts to you. Done in under 10 minutes, no confusing paperwork.

Expert Guidance

Your dedicated loan officer guides you through every step — available early morning or late night, whenever you need them.

Competitive Rates

True market rates with no markups and zero hidden fees. Direct lending saves you thousands over the life of your loan.

Fast Closing

Close in as little as 21 days. Our streamlined process eliminates delays so you can move in sooner.

Stories from first-time buyers

★★★★★

"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 ($19,750). Seller paid $8k of our closing costs. Final payment is $2,640/month with everything. Our realtor said Bedrock Mortgage pre-approvals actually mean something to sellers. Closed in 21 days."

Sarah M.
Miami, FL

Perfect for first-time buyers

Rate 6.25%
Closing Time 21 days
Loan Amount $310,000
★★★★★

"Credit score was 662, couldn't get conventional. Did FHA with 3.5% down on a $285k townhouse. Down payment was $9,975 plus $6,200 closing costs. My parents helped with $8k as a gift. Monthly payment is $2,140 including PMI and insurance. Yeah PMI sucks but I'm a homeowner at 26 so whatever. Can refinance out of it when I hit 20% equity."

Marcus T.
Fort Lauderdale, FL

Made it so easy

Down Payment 3.5%
Loan Type FHA
Loan Amount $285,000
★★★★★

"Bought a 2/2 condo in South Tampa for $365k. Navy Federal quoted 6.375%, Bedrock Mortgage got me 5.875%. That's $190/month difference, $68k saved over 30 years. Put down 10% ($36,500), had about $9k in closing costs. Payment is $2,560/month with HOA. Process took 18 days from application to closing. Way easier than I expected."

Jessica L.
Tampa, FL

Fast and professional

Rate 6.0%
Closing Time 19 days
Property Type Condo

Your path to
homeownership

1. Apply Online
2. Get Pre-Approved
3. Find A House
4. Close Your Loan

APPLY ONLINE

10-minute application. Zero paperwork upfront.

Get your approval amount instantly and start shopping today.

Apply online form

GET PRE-APPROVED

Sellers take you seriously. You win bidding wars.

Real estate agents return your calls when you have pre-approval in hand.

Pre-approval card

FIND A HOUSE

Shop knowing exactly what you can afford.

No surprises. No disappointment. Just confident offers on homes you love.

Find a house

CLOSE YOUR LOAN

Sign digitally. Fund in 21 days. Move in.

We handle the paperwork while you pack boxes and plan your housewarming.

Close your loan

Common questions

How much do I need for a down payment?

With an FHA loan, you can buy a home with as little as 3.5% down. For example, on a $300,000 home, that's just $10,500. Conventional loans can go as low as 3% down for qualified first-time buyers. Your loan officer will help you determine the best option for your situation.

What credit score do I need?

FHA loans accept credit scores as low as 580 for the 3.5% down payment option. Conventional loans typically require a minimum of 620. Even if your credit isn't perfect, we'll work with you to find the best loan option for your situation.

Can I use gift money for my down payment?

Yes! Both FHA and conventional loans allow you to use gift funds from family members for your down payment and closing costs. We'll guide you through the proper documentation needed to use gift funds.

Ready to buy your first home?

Get pre-approved in minutes and start shopping with confidence.
No commitment required.