Dear Phil, We wanted to take a moment to sincerely thank you…read moreand the entire team at Next Wave Mortgage for everything you did to make our mortgage process such a positive experience. Before working with you, we were disappointed and let down by the empty promises of other mortgage companies. After hearing so many assurances that never materialized, we were understandably skeptical. That's why your approach stood out from the very beginning. You told us exactly what you would do and when you would be able to do it--and you delivered on every single promise. Honestly, there were times when it was hard to believe the process could move as quickly and smoothly as you said it would, but you proved us wrong in the best possible way. You did exactly what you said you would do, in the time frame you promised. We were also extremely impressed by how pleasant, responsive, and communicative your entire team was throughout the process. Everyone we worked with was professional, helpful, and genuinely committed to making things as easy as possible for us. The efficiency and professionalism of Next Wave Mortgage truly set your company apart. Our real estate agent was equally impressed with the way your team operates. He specifically commented on the experience and has already said that he will be recommending Next Wave Mortgage to his other clients. We think that speaks volumes about the impression your company made--not only on us, but on the professionals who work alongside you. We are extremely appreciative of all the hard work that went into getting us to the finish line. We are amazed by the efficiency, communication, and professionalism you and your team demonstrated from start to finish. Thank you for restoring our confidence and showing us what exceptional customer service truly looks like. We are incredibly grateful for everything you did for our family and would not hesitate to recommend you and Next Wave Mortgage to anyone looking for a mortgage company they can trust. With sincere appreciation, Devin and Quana Lott

I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

It has been a pleasure working with Alex and his team. Alex is extremely knowledgable about his…read moreindustry, knows ins and outs of the mortgage requirements, how to navigate challenges, and will exceed his promises. We are already planning to work with his team for other mortgages that we need. This has been absolutely nothing short of an extraordinary experience in an industry which many would put personal profit above their clients best interest.

My experience with Alex Doce from First Community Mortgage was phenomenal. The entire process was…read moreextremely smooth from the initial pre-approval, appraisal, underwriting, and down to the closing. I found Alex solely by searching the web for local lenders and his name happened to come up on every platform I visited, so I took a leap of faith to trust the reviews and can now vouch for his raving reviews. It's only right I add my testimony. He works fast and is efficient. Thank you Alex for your knowledge, professionalism and service. All the best, Kim and Rafael

My husband and I bought a home with an FHA loan and the awful PMI that comes with it. We said that…read morewe would refinance in two years to get rid of the PMI, but never got around to it. Five YEARS later, and after historical low APRs for mortgage rates, I finally got serious about refinancing. I reached out to the broker who financed our home originally, but was not happy with his estimate. A friend recommended Lisa from Mortgage Masters to me and I am so happy that I didn't go with my original broker. Lisa made this entire process absolutely painless. We didn't take cash out, so we didn't even have to get the house re-appraised. Now we have a lower APR, lower monthly payment, and no PMI. I cannot recommend Lisa enough! She is awesome.

I worked with Lauren from Mortgage Masters, she was outstanding. Lauren had me pre-approved for a…read morehome loan which gave me a decided advantage while home shopping in this very competitive market. Lauren was able to close the loan in under 30 days with NO issues. Her experience and professionalism is top notch. She's the best in the business!

I worked with Florida Mortgage Solutions to purchase my home. While it was a little rough in the…read morebeginning (no one persons fault) Mario Cervantes stepped up and owned the issues even when part of them were from my own doing. Once we got past the issues Mario, Mike and the rest of the Florida Mortgage Solutions team were just outstanding. My mortgage process was so smooth and easy and this new system they have to let you know where in the process you are via email is just awesome! Word of caution though - make sure you have all your "ducks in a row", are upfront about everything and I promise you Florida Mortgage makes the entire process so easy that you are done before you know it and they will get you a mortgage. Mario was right there taking all my texts and phone calls no matter the day, time or reason even if it was just to tell me over and over and over and over that everything is going fine. Great company, great people and I would highly recommend them to anyone needing a mortgage. Be sure to work with Mario and Jennifer they won't disappoint!

I got the best apartment I could get for the best price because of Luxe Properties, even better…read morethan I was hoping for. I highly recommend them to anybody

Nick was an amazing realtor and we would use him again without hesitation. Professional,…read moretrustworthy, and super responsive and attentive to his client's needs. We reached out to him back in March 2022 when I was stationed in NM. The timing of our move back to FL and our hesitation as our first-time buyers led us to rent an apartment once we got back in October 2022. But shortly after we signed the lease we found out my wife was pregnant and we quickly realized we didn't want to be in an apartment with a baby on the way. So we started looking seriously and Nick went from 0 to 100 right along with us. Trevor was at most of our showings, but Trevor is equally awesome! We probably looked at ~15 houses, maybe double that if you count all the random open houses we went to every weekend and texted him about. We'd love a house, not care for it the next day. Think we could handle a fixer upper, realize we definitely couldn't. Fall in love with something way over our budget and take a break from looking all together. Despite how many times we went hot and cold because of the market, Nick was always super patient with us, and we NEVER felt pressured about anything. When we finally found "the one" the process was so smooth it almost seemed too easy. Like they really gave us the keys to a house?! Haha that's nuts. But it's just proof that his 100% drama free mantra is absolutely true. As a South Florida native too, something else I really appreciated about Nick was how evident it was that he has roots and connections here. Every other party we needed to work with throughout the home buying process he recommended was amazing, from the home inspector to our mortgage lender. After closing, we had some minor hiccups and Nick's still been there for us. We're so excited to settle into the perfect first home for our growing family.

I've known Nick from the Hollywood Chamber for about 3 years. He's a wonderful person. He is always…read morehappy to answer whatever real estate questions you may have. I've twice recommended Nick--once to a family member. He is professional and a straighter shooter. You can tell he enjoys real estate and is familiar with the marketplace. When buying or selling you should find someone who understands you and the area. He will take the time needed to make certian this happens.

Raving review incoming!…read more TLDR: Lucas is one of the most professional, thorough mortgage brokers you'll meet with outstanding communication and customer service skills! If I could give him 10 stars, I would. Highly recommend. I worked with Lucas on lining up financing for my property in Miami. My challenge was securing funding as a business owner with variable sources of income. Lucas was able to find a financing option that fit my situation and educate me along the way. This was my first time purchasing a property in Florida so I had to get familiar not only with the financing offer structure but also with the closing process components overall. Lucas provided a detailed walkthrough of different lending options via loom recordings which I could rewatch multiple times to fully comprehend the information. Lucas's communication was always on time and to the point. I felt like he had my back the whole time. Lucas made sure that the deal was moving forward at a proper pace and helped to resolve any questions and roadblocks promptly. I recommend Lucas to anyone looking to secure funding for their next real estate purchase!

Lucas is a mortgage broker like no other! His attention to detail and personal support is unlike…read moreanyone you'll ever meet. He knows the ins and out of the entire mortgage process and made sure I understood all of my options. His creative solutions and expertise allowed me to get the home of my dreams. I can guarantee you will not find a more personal, comprehensive, professional and knowledgable person out there. Buying a home is a huge decision and I highly recommend working with Lucas. Not only is he amazing at his job, his empathy and dedication set him apart from any professional you will ever work with.

We had a great experience with First Choice Financial. Julie was excellent and the process was…read morecompletely seamless and easy. It was very much no stress all the way. As far as numbers go, First Choice offered us the best deal, much better than what we found at traditional banks. And the loan process was a breeze. Whenever something came up, Julie made sure to quickly communicate what to do or send. She was easy to reach and always there for questions. Julie treated us with the utmost respect and professionalism. You could plainly tell that not only was she a seasoned pro, but that she also had our best interests at heart. Huge plus. There is no comparison between First Choice Financial and major banks. It was such a better process than I am used to, I am really kicking myself for not using them sooner. I would highly recommend.

We can't say enough wonderful things about Julie at First Choice Financial! From the very…read morebeginning, she made a stressful process feel smooth and manageable. Julie was always patient, kind, and incredibly responsive. No question was ever too small, and she took the time to explain everything in a way that made sense. What really stood out was how much she genuinely cared about helping us reach our goal. She went above and beyond to make sure every detail was handled and kept us informed every step of the way. It honestly felt like we were working with a trusted friend rather than just a lender. Thanks to Julie's hard work and guidance, our experience was smooth, positive, and even exciting. We're so grateful for her support and can't recommend her highly enough to anyone buying a home!

Quite possibly the best service I have experienced. As a first time home buyer I certainly needed…read moresomeone to explain the process thoroughly and walk me through each step. Stephen McWilliams was exceptional as he was always there when I reached out and went way above and beyond in representing my interest during the purchase process. Stephen was so knowledgeable about everything and he was able to communicate it in a way where I could understand everything. I will absolutely go out of my way to recommend Stephen and his team to everyone I know. Cannot imagine having bought my home without him. Thanks Stephen!

I worked with Betty to buy my first house here in South Florida and I could not be happier! She was…read moreamazing. She was always available to answer my questions and she was very patient. She was extremely knowledgeable, even getting me approved for a HUGE tax exemption I will receive annually . She always had all the paper work ready on time and explained everything in detail. I could not image a better agent. I'm SO glad we made the decision to work with her. Thanks Betty!

The after-sales service truly remains greater than 5 stars because even years after we closed on…read morethe house, they stay keeping you informed through emails on the housing market, loans education, and sweet holiday messages and cards to remind you of the best purchase you made with their help. Thanks again for your help and happy holidays PLC! Highly recommend Alexis Vanlandingham as your mortgage broker, super reliable and communicative, will guide you thoroughly throughout the process and find you the best deals in the market for you! Compared to other interest rates in the markets I truly feel like I got the best deal at that time and I'm sure she continues to find best deals for her clients!

It starts out really good make sure if u plan to pay off the loan the person u agree to accept the…read moreloan with doesn't give the correct info (I got mislead with that) pay off is not correct coming from the one that gets u too accept the loan I had a big issue with paying off on my first payment it says 1 day it's suppose to come out your account but it come out the next business day please pay attention I got messed up with bad info not a good loan company not accurate with info