What areas of Florida does Fair Mortgage Lending serve?

We are headquartered in Fort Lauderdale and work closely with local clients across Miami, Tampa, and Boca Raton. However, because we are licensed statewide, our team can help you finance a home or investment property anywhere in Florida.

Are you a local mortgage broker or a national lender?

We are a locally based, personal-service mortgage broker in Fort Lauderdale. When you work with us, you work directly with a dedicated mortgage loan originator from our team who will assist you face-to-face, starting with your initial application and all the way through to closing day. While local to the Fort Lauderdale area, we of course take clients from anywhere in the state.

Do you only work with Fort Lauderdale buyers?

No, we support buyers and investors purchasing properties in Miami, Tampa, Boca Raton, and the surrounding South Florida communities with the exact same personalized process.

Can foreign nationals or non-U.S. residents get a mortgage through you?

Yes, absolutely. Foreign national loan programs are one of our core specialties. Because navigating international financing can be complex, our trilingual team provides comprehensive support in English, Spanish, and Portuguese to ensure a smooth path to closing.

What types of loans do you offer?

We offer a full suite of conventional, FHA, VA, Jumbo, and NON-QM (special loans like bank statements, P&L, condo loans, and others) for both purchase and refinancing. We are also specialists in alternative financing programs, including DSCR loans for real estate investors and flexible non-QM products for self-employed individuals. We'll review your financial goals to build a plan that fits your goals.

DESIGNED FOR MORTGAGE, INSPIRED BY SIMPLICITY!

As a specialized mortgage broker in Fort Lauderdale, we offer home purchase and refinancing solutions that are tailored to your exact financial goals.

WORKING TOGETHER,
WE GUIDE YOU TO YOUR HOME OWNERSHIP GOALS

LET'S TALK

HOW WE WORK

APPLY ONLINE

Apply online, and one of our mortgage specialists will get the process started for you today.

GET PRE-APPROVED

Our Loan Officers will get you Pre-Approved so you can start looking for your dream home.

PURCHASE / REFINANCE

Refinance your current home, or ask us about our trusted Realtor partners to help you with your purchase negotiation.

CLOSE YOUR LOAN

We will work with you and your real estate agent to close your loan fast and efficiently.

FLEXIBLE MORTGAGE SOLUTIONS FOR EVERY HOME BUYER

Finding the perfect loan means looking at options that best fit your specific goals. As Fort Lauderdale-based mortgage advisors, we can help match you with the ideal loan program for your property, background, and budget.

Home Purchase & Refinancing:

Whether you are buying your first house, upgrading to a larger home, or lowering your monthly payment, we guide you through every step of the process. Let’s have a conversation to find the right mortgage program for you.

DSCR Investment Loans:

Grow your real estate portfolio without the hassle of traditional income verification. Our Debt Service Coverage Ratio (DSCR) loans qualify you based on the property's rental income.

Foreign National Lending:

We assist international and non-US resident buyers in securing financing for vacation homes or investment properties in Florida, and almost every state in the US.

Non-QM & Specialized Programs:

If you are self-employed or have a unique financial footprint, our alternative non-QM mortgage programs provide the flexible qualification guidelines that traditional banks won’t offer.

Explore Our Loan Programs

Get a Custom Quote

ABOUT OUR FLORIDA MORTGAGE FIRM

Headquartered right here in South Florida, we pride ourselves on giving you direct access to our team of local experts. We provide fast-moving service, outstanding communication, and personalized support to ensure overall client satisfaction.

SECURE PROCESS

We apply state-of-the-art encryption to safeguard your data from loan application to close. Your privacy is top of mind for us.

TRANSPARENCY

You can expect absolute honesty at every stage of the loan process. We’re a transparent Florida mortgage company to ensure there are no unpleasant surprises, unexpected fees, or hidden clauses for our clients to worry about.

FAST FINANCING

We aim to provide pre-approvals within up to 24 hours and timely closings, respecting contract deadlines. We move quickly on refinancing.

SPECIALIZED SERVICE

We provide personalized, hand-held guidance through the entire mortgage process. Our bilingual team offers full communication in English, Spanish, and Portuguese, so that if needed, you can completely understand your loan options and get constant updates along the way.

IT IS ALL ABOUT YOU !
WE ARE ON HAND TO HELP...

Please fill out the form below, and a dedicated mortgage loan originator from our team will reach out to you within three business hours to learn more about your goals and identify your specific needs.

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FREQUENTLY ASKED QUESTIONS

WHAT OUR CLIENTS SAY

I truly recommend Fair Mortgage. Ricardo was of great help in finding a competitive rate in my home purchase process. I was really impressed with his quick response time, care, and professionalism. Would definitely recommend and work with this company in the future.

Bruno Caravetti

I highly recommend Murilo and Fair Mortgage Lending for anyone that needs to get a loan or refinance one. It was a pleasure working with Murilo. He is very professional, fast on replies, patient to explain any step of a loan process and any questions we had. He was very helpful guiding us in every phase, with advices and showing different scenarios when asked. Thank YOU so much for making this process so smooth and successful!! 5 STARS!!! 👏🏻👏🏻👏🏻👏🏻👏🏻

Mariana D.

Working with Ricardo and his team was an absolute pleasure. I couldn’t be happier with Ricardo’s outstanding knowledge, communication and ability to close in a such a short time frame. I saved thousands working with Ricardo compared to another broker or bank. I highly recommended working with Ricardo and I will be referring more clients to him in addition to refinancing with him in the future.

Fernando Polanco

CONTATO

READ OUR NEWS

How Do We Choose the Right Mortgage? 5 Questions We Ask Every Homebuyer

One of the biggest misconceptions about getting a mortgage is that there's only one type of home loan. In reality, there are dozens of mortgage programs, and choosing the right one isn't about finding the "best" loan—it's about finding the one that best fits your financial profile. At Fair Mortgage Lending, we don't start with the loan. We start with you. Here are the five questions we ask every borrower before recommending a mortgage program. 1. What Is Your Immigration Stat

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DESIGNED FOR MORTGAGE, INSPIRED BY SIMPLICITY!

WORKING TOGETHER,
WE GUIDE YOU TO YOUR HOME OWNERSHIP GOALS