About Florida Mortgage Solvers: a licensed mortgage brokerage serving homebuyers across all 67 Florida counties.
Founded by Renzo Johnson, a licensed Mortgage Loan Originator, we place loans for every kind of borrower, from first-time buyers using down payment assistance to investors financing rental portfolios. Meet our team.
What a broker does that a bank cannot
This is the part worth understanding before you choose anyone, including us.
A bank lends its own money and applies its own guidelines. If your file fits, the pricing can be excellent. If it does not, the answer is no, and that answer tells you nothing about whether another lender would have said yes.
A brokerage does not lend. Instead we take one application and place it with whichever wholesale lender suits the file, which matters most when something about your situation is unusual. Self-employed income, a condo the association has complicated, an investment property, a recent credit event: these are the cases where shopping the file changes the outcome rather than shaving a few dollars off the payment.
Therefore the honest summary is this. If you are a salaried buyer with strong credit buying a straightforward house, compare us against your own bank and take the better number. If your file has any complexity in it, a broker is usually the difference between an approval and a decline.
Our mission
We believe every Floridian deserves fair, transparent mortgage lending. Our job is to explain the process in plain language, connect you with the programs you actually qualify for, and stay with the file from application through closing.
Why work with Florida Mortgage Solvers
- Licensed and regulated: a Florida-licensed brokerage, NMLS registered, with verifiable credentials
- Every loan type: FHA, VA, USDA, conventional, jumbo, and the non-QM programs that solve harder files
- Florida programs: deep familiarity with Hometown Heroes, FL Assist and county down payment assistance
- Bilingual service: hablamos Español, with full support in English and Spanish
- Digital process: online applications, e-signatures and status you can actually see
- No pressure: free pre-qualification with no obligation, on your timeline
Where we work
We serve all 67 Florida counties, with the heaviest volume around Orlando, Miami, Tampa, Jacksonville and Fort Lauderdale. In addition we work with borrowers in Puerto Rico and Hawaii, where the lending rules differ from the mainland in ways most brokers do not handle.
Those differences are worth reading before you commit. Start with the US territory mortgage guide, then see Puerto Rico assistance programs and how Puerto Rico property law affects a purchase, because title and recording work differently there.
Ready to start? Request a free quote, or read our guides first.