Mortgage Broker in Palm Coast, FL
From the saltwater canals to the master-planned neighborhoods tucked between St. Augustine and Daytona Beach, we help Palm Coast families finance the coastal home they want — and build a plan to pay it off and owe nothing else.
A Florida lender who understands coastal Flagler County
Palm Coast is one of the most distinctive markets on the Northeast Florida coast — a large planned community laced with saltwater canals and waterfront streets, sitting comfortably between St. Augustine to the north and Daytona Beach to the south. The buyers here are a wonderful mix: retirees settling into a relaxed coastal lifestyle, growing families putting down roots, and out-of-state relocation and second-home buyers drawn by the relatively affordable price of living near the water. We finance for all of them, and we take the time to understand the canal, the neighborhood, and the HOA before we ever talk loan terms.
We're the mortgage company that hates debt, and that shapes everything we do. Plenty of brokers can get you qualified for a Palm Coast mortgage; far fewer hand you a written plan to actually pay it off. Our 24SEVEN Method does exactly that — a personalized, written payoff strategy so your home loan has an end date instead of trailing you for 30 years, and so the rest of your financial life stays debt-free along the way. You'll see your real options in writing before you apply.
Because so many Palm Coast buyers are self-employed, run a business, or are managing a move during a divorce, we specialize in the income stories that don't fit a tidy W-2 box. We also stand behind our work with our Refi Warranty: for any client we help purchase or refinance, if rates drop later we proactively reach out and cover the lender fees so your refinance costs $0 in lender fees. Already own a Palm Coast home? A refinance or recast can shave years off your timeline.
- Conventional purchase loans for primary homes and move-up buyers
- Financing for waterfront and saltwater canal properties
- Self-employed and business-owner home loans
- Refinancing and recasting to accelerate your payoff
Serving Palm Coast & nearby
The saltwater canals, master-planned neighborhoods and the wider Flagler County coast between St. Augustine and Daytona Beach. Licensed throughout Florida · NMLS #210950.
Free Custom 24SEVEN Method Report
Your personalized debt-free home plan and real loan options in writing — no pressure, no credit pull.
Common questions from Palm Coast buyers
Do you finance waterfront and saltwater canal homes in Palm Coast?
Yes. Palm Coast is full of saltwater canal and waterfront properties, and we structure financing around them every day. We shop multiple lenders so the loan fits the home, whether it is a primary residence, a relocation purchase or a second home along the water.
Can you help second-home and relocation buyers moving to Palm Coast?
Absolutely. A large share of our Palm Coast clients are relocating from out of state or buying a second home in one of the master-planned neighborhoods. We can pre-plan your loan and your payoff strategy in writing before you ever leave your current city.
What is the free 24SEVEN Method Report?
It is a written, personalized plan showing your real loan options and a strategy to pay your Palm Coast home off faster and owe nothing else. There is no pressure and no credit pull to receive it.
Meet your Palm Coast loan expert
Work directly with Claudia Martinez, who serves Palm Coast and the surrounding area.
Your Palm Coast home, with a payoff plan
Let a Florida broker who hates debt build a free, written strategy for buying or refinancing in Palm Coast.
Nearby service areas: all areas · St. Augustine · Ormond Beach