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Showing 2 mortgage lenders in Key Largo, 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 Florida Mortgage Lab
101925 Overseas Hwy Suite 106, Key Largo, FL 33037
3055176323
Clear Sky Lending, Inc.
99353 Overseas Hwy, Key Largo, FL 33037
3057807914
What Does a Mortgage Lender in Key Largo Cost?
Typical costs for a mortgage lender in Florida include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $400 to $700, and title insurance averaging $1,000 to $2,000. Closing costs in Key Largo often range from 2% to 5% of the purchase price. 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 Key Largo?
You typically need recent pay stubs, tax returns, bank statements, and a valid ID. Florida lenders also require proof of homeowners insurance due to the state's hurricane risk.
How long does the mortgage process take in Florida?
The process usually takes 30 to 45 days from application to closing. Florida law requires a three-day rescission period for refinances under the Truth in Lending Act.
Are there special mortgage programs for Florida residents?
Yes, the Florida Housing Finance Corporation offers programs like the Florida First time homebuyer program. These provide down payment assistance and lower interest rates for eligible buyers.