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Looking for a mortgage lender in St Cloud? Review the directory below to compare your options.
16 agents listed
Updated May 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 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
4075930173
Ulysses Escobar, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
4078376884
Nelson Monge - Element Mortgage Branch Manager
707 13th St, St Cloud, FL 34769
4073013931
Cathy Done - Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
4073604593
Sheiny Hernandez, Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
4077163774
Douglas De Almeida
3744 Briarwood Estates Cir, St Cloud, FL 34772
5083454749
Better Option Home Loans
5226 Northern Flicker Dr, St Cloud, FL 34771
4077546581
Mike Schofield Mortgage Originator / NMLS # 2189548
4913 Emilee Grace Ln, St Cloud, FL 34771
3023581806
Wolf's Crossing Mortgage
4601 Neptune Rd, St Cloud, FL 34769
4077522227
Mortgage, Bank of America
4300 13th St, St Cloud, FL 34769
3218957797
Mortgage Market Financial
4305 Neptune Rd, St Cloud, FL 34769
4079359511
Chase Mortgage
4355 13th St, St Cloud, FL 34769
4078926870
Home Loans by Melissa Martinez
1015 11th St, St Cloud, FL 34769
4075930390
American Portfolio Mortgage
1015 11th St, St Cloud, FL 34769
3303298823
BUILT ON A MONDAY LLC
3099 Addison Blvd, St Cloud, FL 34771
2392855373
Sebastian Luna, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
9157837101
St Cloud Florida offers a growing housing market with many mortgage lender options. Local lenders understand Florida-specific regulations like the homestead exemption and property tax rules. They can help you navigate the loan process from pre-approval to closing.
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.
Are there special mortgage programs for Florida first time home buyers?
Yes, Florida offers the Florida First program through the Florida Housing Finance Corporation. This program provides down payment assistance and competitive interest rates. Local St Cloud lenders can help you check your eligibility.
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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.