Most lenders are middlemen. They take your application and sell it to a bank. We keep your loan, which means lower rates and fewer delays.
Talk to a loan officer
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We honestly never imagined owning a home this early in life, then we met Ari. As our loan officer, she went above and beyond to turn what felt like a dream into our reality. And Bedrock Mortgage's underwriting process was seamless thanks to the incredible support along the way. We'll be recommending Bedrock Mortgage to absolutely everyone we know without hesitation!
Stephanie B.If you're going through the mortgage process I cannot recommend Bedrock Mortgage enough. They were with us every step of the way, answered every question we had, and made something that felt really overwhelming actually feel manageable.
Hector J.Best rates for W-2 borrowers with solid credit and stable employment history.
→3.5% down. Government-backed. Works for most credit profiles, including scores below 680.
→Qualify on rental income alone. For investors building a real estate portfolio.
→Use 12–24 months of bank deposits instead of tax returns. Built for entrepreneurs.
→Financing above conforming limits for luxury properties across Florida.
→DSCR programs for non-resident investors buying Florida real estate.
→Takes about five minutes. We ask about your income, what you're buying, and your timeline. No documents needed at this stage.
They review your file, run your credit, and walk you through what you qualify for. The same person stays on your loan through closing.
We review your income, assets, and credit and issue a pre-approval letter. This is full underwriting, not a quick soft-pull estimate.
Once you're under contract, we lock your rate and collect documents through our borrower portal. Because we fund from our own capital, there's no waiting on a third-party bank to approve the wire.
I'm buying a in county, FL for , putting % down. My credit score is , and I plan to use it as my .
I have a mortgage balance of at % interest on my in county, FL worth . My credit score is , and I use it as my .
*Property tax and insurance are estimates based on Florida averages. Actual amounts may vary by location and property.
A pre-qualification doesn't touch your credit, and neither does the application itself. We only check credit after you've signed a credit authorization, so nothing happens without your explicit OK. When we do run it, it's a single mortgage inquiry that typically affects your score by five points or less. And if you're comparing lenders, all mortgage inquiries within a 45-day window count as one.
We fund our own loans with no third-party approval chain slowing things down. Our underwriting team reviews files within 24 hours, and we keep processing parallel to the appraisal rather than waiting for one before starting the other. The timeline assumes complete documentation from day one.
No. Conventional loans start at 3–5% down. FHA goes to 3.5%. The tradeoff is PMI on anything below 20%, which falls off automatically once you hit 20% equity. We'll show you the exact monthly cost of each scenario so you can decide what makes sense.
Yes, and it's one of the things we're specifically built for. If your tax returns don't reflect your actual income, our Bank Statement program uses 12–24 months of deposits instead. We look at what you actually make, not what accountants reduce it to on paper.
Pre-qualification is a quick estimate based on what you tell us. Takes minutes, no credit check. Pre-approval is a verified review of your income, assets, and credit, and produces a letter sellers take seriously. We recommend getting pre-approved before making offers.
Mon–Fri, 8 AM–6 PM ET
Response within one business day
→Takes about 10 minutes. No documents needed upfront.
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