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Mortgage Lenders in St Cloud, FL

Compare mortgage lenders in St Cloud. Review contact information and insurance categorys before you decide.

16 agents listed
Updated June 2026
St Cloud, 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 State Mortgage Licensing Authority of Florida before hiring.
Showing 16 mortgage lenders in St Cloud, 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.
The Mortgage Firm- Saint Cloud Branch
1123 Florida Ave, St Cloud, FL 34769
(407) 593-0173 themortgagefirm.com
Ulysses Escobar, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
(407) 837-6884 barrettfinancial.com
Nelson Monge - Element Mortgage Branch Manager
707 13th St, St Cloud, FL 34769
(407) 301-3931 apmobile.apmortgage.com
Cathy Done - Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
(407) 360-4593 movement.com
Sheiny Hernandez, Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
(407) 716-3774 movement.com
Douglas De Almeida
3744 Briarwood Estates Cir, St Cloud, FL 34772
(508) 345-4749
Better Option Home Loans
5226 Northern Flicker Dr, St Cloud, FL 34771
(407) 754-6581 betteroptionhomeloans.com
Mike Schofield Mortgage Originator / NMLS # 2189548
4913 Emilee Grace Ln, St Cloud, FL 34771
(302) 358-1806 mksmortgage.com
Wolf's Crossing Mortgage
4601 Neptune Rd, St Cloud, FL 34769
(407) 752-2227
Mortgage, Bank of America
4300 13th St, St Cloud, FL 34769
(321) 895-7797 bankofamerica.com
Mortgage Market Financial
4305 Neptune Rd, St Cloud, FL 34769
(407) 935-9511 mortgagemarketfinancial.com
Chase Mortgage
4355 13th St, St Cloud, FL 34769
(407) 892-6870 chase.com
Home Loans by Melissa Martinez
1015 11th St, St Cloud, FL 34769
(407) 593-0390 tsmlending.com
American Portfolio Mortgage
1015 11th St, St Cloud, FL 34769
(330) 329-8823 saintcloud.goapmc.com
BUILT ON A MONDAY LLC
3099 Addison Blvd, St Cloud, FL 34771
(239) 285-5373 appovedmortgage.com
Sebastian Luna, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
(915) 783-7101 barrettfinacial.com

What Does a Mortgage Lender in St Cloud Cost?

Typical costs for a mortgage lender in Florida include an origination fee of 0.5% to 1% of the loan amount. Appraisal fees range from $400 to $700. Title insurance and closing costs often total 2% to 5% of the purchase price. Florida also charges documentary stamp taxes on the note and mortgage. These costs vary by loan type and property value. This is general information, 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 documents do I need to apply for a mortgage in St Cloud Florida?
You typically need pay stubs, tax returns, bank statements, and photo ID. Florida law requires lenders to verify your income and assets carefully. Self-employed borrowers may need additional profit and loss statements.
How long does a mortgage closing take in Florida?
A standard mortgage closing in Florida takes 30 to 45 days from application. Florida law allows a three day rescission period for refinances. Purchase loans may close faster if you have all documents ready.