Find Mortgage Brokers in Oviedo, FL
Looking for a mortgage broker in Oviedo? Review the directory below to compare your options.
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 9 mortgage brokers in Oviedo, 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.
Mortgage brokers in Oviedo Florida act as intermediaries between borrowers and multiple lenders to find suitable home loan options. Florida law requires mortgage brokers to be licensed through the Florida Office of Financial Regulation and to follow specific disclosure rules under Florida Statute 494. Local brokers understand the Oviedo real estate market and can assist with conventional FHA VA and USDA loans.
What Does a Mortgage Broker in Oviedo Cost?
Mortgage broker costs in Florida typically range from 1 to 2 percent of the loan amount paid as a commission or origination fee. For a 300000 dollar loan this could mean 3000 to 6000 in fees. Some brokers charge a flat fee of 500 to 1500. Costs vary based on loan type lender and borrower credit profile. 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 license does a mortgage broker need in Florida?
A mortgage broker in Florida must hold a valid license from the Florida Office of Financial Regulation under Chapter 494 of Florida Statutes. The broker must also pass a background check and complete continuing education courses each year.
How do mortgage brokers in Oviedo charge for their services?
Mortgage brokers in Oviedo typically earn a commission paid by the lender at closing. In some cases the borrower may pay a direct fee which is usually 1 to 2 percent of the loan amount. All fees must be disclosed in the Loan Estimate provided within three business days of application.
Can a mortgage broker help with a first time home buyer in Oviedo?
Yes mortgage brokers can guide first time home buyers through loan options including FHA loans which require a 3.5 percent down payment. They can also explain Florida first time home buyer programs such as the Florida HFA First Mortgage program.