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Directory of mortgage brokers in Valrico, Florida. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Valrico, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 7 mortgage brokers in Valrico, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mike Neill Mortgage Broker NMLS #1064583
4934 Willow Ridge Terrace, Valrico, FL 33596
8138928666
Buckalew Financial Services
3031 Mojave Oak Dr, Valrico, FL 33594
8138635917
Tony Recupero | Freedom First Mortgage Group
916 Innergary Pl, Valrico, FL 33594
8133263331
Royal & Co Mortgage Corp.
3821 Buckingham Loop Dr, Valrico, FL 33594
8136576900
Preferred Lending Services, LLC
3228 Lithia Pinecrest Rd #102, Valrico, FL 33594
8779106718
CrossCountry Mortgage, LLC
2350 FL-60 Office #43, Valrico, FL 33594
8134804747
Union Home Mortgage
2350 FL-60, Valrico, FL 33594
6312528500
Mortgage brokers in Valrico Florida help home buyers and homeowners find suitable loan products from multiple lenders. Florida law requires mortgage brokers to be licensed through the Florida Office of Financial Regulation and to follow specific disclosure rules under Chapter 494 of the Florida Statutes. Local brokers understand the Valrico real estate market and can guide you through the loan process from pre approval to closing.
What Does a Mortgage Broker in Valrico Cost?
Mortgage broker fees in Florida typically range from 1 percent to 2 percent of the loan amount. Some brokers charge a flat fee between 2500 and 5000 dollars depending on the loan complexity and size. Florida law requires brokers to disclose all compensation including any yield spread premiums from lenders. Costs can also include application fees credit report fees and appraisal fees. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a mortgage broker do in Valrico Florida?
A mortgage broker acts as an intermediary between you and multiple lenders to find a home loan that fits your needs. They handle the application process compare rates and terms and help you prepare documents for underwriting. In Florida brokers must provide a written disclosure of their fees and any lender compensation.
How do I choose a mortgage broker in Valrico?
Look for a licensed broker with experience in Florida mortgage laws and local market knowledge. Check their status on the Florida Office of Financial Regulation website and ask about their fee structure. A good broker will explain all costs upfront and help you understand different loan options like conventional FHA or VA loans.
What documents do I need for a mortgage broker in Valrico?
You will typically need recent pay stubs tax returns bank statements and proof of assets. Florida law also requires identification such as a drivers license or passport. Self employed borrowers may need additional profit and loss statements or business tax returns.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.