Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) serving home buyers and homeowners across all 67 Florida counties. Whether you are purchasing your first home, refinancing an existing mortgage, or investing in rental property, we match you with the right loan program. Furthermore, as a true mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive Florida mortgage rates available. Additionally, we specialize in down payment assistance programs including the Florida Hometown Heroes mortgage, FHA loans with as little as 3.5% down, and VA loans with zero down payment for eligible veterans. Because every borrower's situation is unique, our licensed team provides personalized guidance from application to closing — typically in 14 to 21 days.
The Smart Way to Finance Your Florida Home
As a top mortgage broker in Florida and trusted mortgage lender statewide, we combine personal service with competitive rates — real people who answer the phone.
Local Expertise
Deep knowledge of Florida's markets statewide — from Miami-Dade to the Panhandle.
Fast Closings
Pre-approval same day. Close in 14–21 days.
Ecosystem Advantage
Pure Equity agent + HomeMTG + Verified Title. One team, zero friction.
Direct Broker Access
You speak with Onias and the team — not a call center.
From Application to Keys in Hand
Pre-Approval
5-minute app. Soft credit pull. Letter same day in most cases.
Rate Lock
Lock your rate when the time is right. We monitor the market.
Processing
Our team handles the paperwork. You get real-time updates.
Clear to Close
Final approval + Verified Title coordination. Smooth closing.
Know Your Numbers Before You Apply
Use our free estimator to model your monthly payment, then let our Florida mortgage company build a full side-by-side loan comparison for you.
Estimates only. Taxes & insurance vary. Subject to credit approval.
Florida Homeowners Who Trusted Us
"Closed in 19 days. Onias walked us through every step. Pure Equity agent + HomeMTG made it completely seamless."
"Used DPA and got into my first home with less than $5K out of pocket. Never thought it was possible."
"Jumbo purchase, tight timeline. Closed my $1.1M home with zero hiccups. These guys delivered."
Florida Mortgage Insights
Florida Hometown Heroes Mortgage Program — 2026 Complete Guide
First responders, educators, healthcare workers, and veterans may qualify for up to $35,000 in down payment assistance. Here's everything you need to know about Florida's most popular homebuyer program.
FHA vs. Conventional in Florida: Which Loan Wins in 2026?
Side-by-side cost breakdown on a $400K Florida home — including PMI, MIP, and total interest over 10 years.
VA Loan Benefits for Florida Veterans: $0 Down & No PMI
How to use your VA entitlement in Florida's 2026 market — eligibility, limits, and how to get started fast.