Mortgage Loans in Florida
A small, licensed team that answers your texts. Shay Yates is licensed as a mortgage loan originator in Florida, and we help Florida buyers and homeowners from our Springfield, Missouri office.
Local feel, wherever you are in Florida
Buying or refinancing in Florida does not have to feel like dealing with a faceless lender. You will know who is working on your loan, you can reach us by text or by phone, and we explain each decision before you make it.
We are licensed to help borrowers across Florida, including markets such as Jacksonville, Tampa, Orlando, and Miami. Property taxes, insurance, and closing practices can vary by state and county, so we explain what applies where you are buying. We do not guess at your numbers. Not every loan program is available in every area, and all loans are subject to credit and property approval.
Shay is the loan officer licensed in Florida. Licensing for other team members varies by state, so please start with Shay.
Loans we offer in Florida
Pick a path to learn more. We will help you find the one that fits.
Home Purchase Loans
Buying a home? We walk you from pre-approval to closing.
Learn moreRefinance
Look at changing your payment, your term, or your equity use.
Learn moreVA Loans
For eligible Veterans, active-duty service members, and surviving spouses.
Learn moreFirst-Time Home Buyers
Clear steps and honest answers for your first home.
Learn moreSelf-Employed Loans
Work for yourself? We help you understand your income and documents.
Learn moreAreas we serve in Florida
We help buyers across Florida. These are places we hear about often, and your search can start anywhere.
Jacksonville
The largest city in the state by population, with a big military presence at Naval Air Station Jacksonville and Naval Station Mayport. Price points are a broad mix across the metro.
Tampa
A large, busy metro and home to MacDill Air Force Base. The market has a lot of variety, from condos near the water to newer suburban communities.
Orlando
A large market with strong sales volume and plenty of new construction in the surrounding counties, such as Lake and Osceola.
Lakeland
Between Tampa and Orlando in Polk County, where new construction has been very active and buyers often compare it with both big metros.
Cape Coral
On the southwest coast near Fort Myers, with a very active new construction market. Flood zones and insurance are part of almost every conversation here.
Insurance and flood zones deserve extra attention in Florida. Condos and townhomes also come with project and association reviews that can affect which loan types work, so ask us early.
First-time buyer help is available in Florida through Florida Housing Finance Corporation. Program details and participating lenders are set by the agency, so ask us whether you may qualify.
Working with us from anywhere in Florida
You do not need to drive to Missouri. Most of the process happens from your phone or your couch.
- Step 1
Text or call
Reach us at (417) 849-2430. A real member of our team answers and talks through your goals.
- Step 2
Apply online
Start a secure digital application from your phone or computer. No office visit needed.
- Step 3
Share documents
Upload what we ask for and track your file. We keep you updated at every step.
- Step 4
E-sign and close
Many documents can be signed electronically. Closing is arranged with a title or settlement company in your state.
Trusted Realtors in Florida
Seats available for preferred agents in Florida. Are you a local agent? Claim a seat and be listed here.
Disclosure. Realtors listed are independent professionals and are not affiliated with Southwest Funding or True North Yates Group. No fees are paid or received for referrals, and you are free to choose any real estate agent.
True North Yates Group is an Equal Housing Lender and supports fair housing. We do not steer anyone toward or away from any neighborhood, and agents are never listed or described based on who lives in a community. You choose where you live and who helps you buy.
Other states we serve
Ready to talk about a Florida mortgage?
Text, call, or start your application online. We are here to help.
Or text us anytime: (417) 849-2430
Shay Yates, Loan Officer | NMLS #2172921 | Florida license: LO93196 | Sponsored by Southwest Funding, LP, NMLS #32139 | Branch NMLS #2424517. Verify at NMLS Consumer Access. Equal Housing Lender.