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Compare mortgage lenders in Winter Haven. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Winter Haven, 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 20 mortgage lenders in Winter Haven, 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.
290 Cypress Gardens Blvd E, Winter Haven, FL 33880
8632990082
Dwaine Jones Motto Mortgage Homewise
264 W Central Ave Suite A, Winter Haven, FL 33880
8634144662
David Thornton - Lower Mortgage
429 1st St S, Winter Haven, FL 33880
8632877115
Truist
3660 Havendale Blvd, Winter Haven, FL 33881
8639689390
Mortgages & More, LLC
810 1st St S, Winter Haven, FL 33880
8632967181
American Liberty Mortgage - Polk County - Winter Haven, FL
223 7th St SW, Winter Haven, FL 33880
8636561177
Ovidio Sardinas - Home Loans
25 5th St NW, Winter Haven, FL 33881
8634102210
First Mortgage Corporation of Winter Haven
1810 6th St SE, Winter Haven, FL 33880
8632943254
Atlas Mortgage, Inc.
333 6th St SW, Winter Haven, FL 33880
8632936669
Lori DeWitt
1495 6th St SE, Winter Haven, FL 33880
8632472720
Sarah Sonneborn- Certified Mortgage Planners
468 Daisy Way, Winter Haven, FL 33884
4402410627
Primary Residential Mortgage, Inc.
332 Ave B SW Ste 200, Winter Haven, FL 33880
4019439200
Mainstay Financial Services
5574 Commercial Blvd, Winter Haven, FL 33880
8639689536
Element Home Loans - Roland Victor
429 1st St S, Winter Haven, FL 33880
8132442978
Motto Mortgage Homewise
264 W Central Ave Suite A, Winter Haven, FL 33880
8632363868
Mortgage lenders in Winter Haven Florida help home buyers and homeowners secure loans to purchase or refinance property. Florida law requires lenders to be licensed through the Florida Office of Financial Regulation. Winter Haven offers many lending options including conventional FHA and VA loans for local buyers.
What Does a Mortgage Lender in Winter Haven Cost?
Typical costs for a mortgage in Florida include an origination fee of 0.5% to 1% of the loan amount and third party fees for appraisal title search and credit report. Closing costs in Winter Haven usually range from 2% to 5% of the purchase price. Florida also requires prepaid property taxes and homeowners insurance at closing. 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 documents do I need to apply for a mortgage in Winter Haven Florida?
You will need recent pay stubs tax returns bank statements and a valid photo ID. Florida lenders also require proof of homeowners insurance before closing. Self employed borrowers may need additional profit and loss statements.
How long does the mortgage process take in Winter Haven Florida?
The typical mortgage process in Florida takes 30 to 45 days from application to closing. Florida law requires a three day right of rescission for refinances. Delays can occur if appraisal or title work takes longer.
What are the Florida specific mortgage rules I should know?
Florida has a homestead exemption that can reduce property taxes for your primary residence. The state also requires a survey or title insurance for most home purchases. Florida does not have a state income tax which can affect your budget for monthly payments.
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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.