Affordable Florida Mortgage Solutions to Help You Unlock Your Dream Home
Personalized mortgage solutions, expert guidance, and competitive rates — helping you achieve the dream of homeownership.
Looking for a trusted Florida mortgage broker? At Town & Country Mortgage Services, we offer customized home loan solutions designed to fit your financial goals. Whether you’re buying your first home, refinancing, or investing in Florida real estate, our experienced team delivers expert guidance, competitive mortgage rates, and a seamless lending experience. Let us help you navigate your path to homeownership.
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
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why choose us?
Building Foundations for a
Brighter Future
Home Purchase
Refinance
Loan Options
Your Journey to Homeownership Starts Here
Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality! Specializing in Conventional, FHA, VA, USDA, NON QM, DSCR, ONE TIME CLOSE NEW CONSTRUCTION
Effortless Mortgages — Because Your Dreams Deserve Simplicity.
CONVENTIONAL loans
These loans can be used for
primary residences, second homes, or investment properties. They often require a
minimum down payment of 3–5%
for qualified buyers, and borrowers may avoid private mortgage insurance (PMI) with a 20% down payment.
Conventional loans are ideal for borrowers seeking flexibility, lower long-term costs, and a wide range of loan options
..
FHA Loans
FHA loans feature
low down payment options, more flexible credit requirements, and are especially popular among
first-time homebuyers
.
Borrowers can purchase a primary residence
with as little as 3.5% down and may qualify with
lower credit scores than conventional loans require. FHA loans do require mortgage insurance premiums (MIP)
for the life of the loan or until refinanced into a conventional product.
FHA loans are an excellent choice for buyers looking to
enter the housing market with less upfront cash and more lenient approval guidelines
VA Loans
A VA Loan is a mortgage program backed by the U.S. Department of Veterans Affairs
(VA), designed to help eligible veterans, active-duty service members, and certain military spouses achieve homeownership.
VA loans offer significant benefits, including
no down payment, no private mortgage insurance (PMI), and, competitive interest rates.
They can be used to purchase a
primary residence and offer more
flexible credit and income requirements
compared to many conventional loans.
VA loans are one of the best financing options
available to those who have served our country, helping make homeownership more affordable and accessible.
One Time Close New Construction
A One-Time Close Construction Loan
is a streamlined mortgage that combines construction financing and the permanent mortgage into a single loan — with one application, one approval process, and one closing.
One-Time Close loans help protect borrowers from interest rate increases
during the build process, and typically offer
flexible down payment options
depending on the loan type (Conventional, FHA, VA, USDA).
This is an excellent option for
custom homebuyers and builders
looking to simplify the financing process.
Refinancing
Refinancing your mortgage involves replacing your current home loan with a new loan, typically to achieve a better interest rate, adjust your loan term, or access your home’s equity.
Homeowners choose to refinance for many reasons — from lowering monthly payments, paying off the loan sooner, switching from an adjustable-rate to a fixed-rate mortgage, or using cash-out refinancing to fund home improvements, consolidate debt, or cover major expenses.
Our team helps you explore your options and determine whether refinancing aligns with your financial goals and current market conditions— ensuring the process is smooth and beneficial.
Consultation
A Mortgage Consultation
is a personalized meeting with a mortgage professional to review your financial goals, credit profile, and homeownership plans.
During this session, we assess your borrowing options, explain available, loan programs , and provide tailored recommendations to help you choose the mortgage that best fits your needs — whether you’re buying your first home, building new, refinancing, or exploring investment opportunities.
Our goal is to equip you with the knowledge and confidence to make informed decisions and move forward in your homeownership journey.
how it works
Partnering in Your Real Estate Success
Consultation
Set up phone call , online, or face to face meeting to discuss your goals so we can better understand your situation before submitting your application
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
20 + YEARS EXPERIENCE
Your Trusted Partner in Home Financing
We’re more than a mortgage lender — we’re your partner in achieving homeownership. Our team provides personalized mortgage solutions and expert guidance to help you navigate every step of the process with confidence.
Testimonials
— Michael R.
I had an incredible experience with them]. The team was attentive and helped me navigate the mortgage process smoothly. Thanks to their expert guidance, I was able to secure my dream home without any hassle. Highly recommend!
— Sarah T.
The support I received from them was outstanding! They took the time to understand my needs and found the perfect financing solution for my investment property. I couldn't have done it without them!
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!