Building Relationships since 1996.
Accurate Approvals & Pre-Approvals!
Mortgage Lender Serving Homebuyers Across Florida
Choosing the right mortgage lender in Florida isn’t just about getting approved—it’s about making a decision that holds up financially over the next 5, 10, or even 30 years.
At Ace Mortgage Coral Springs, we work with buyers and homeowners who want more than quick answers—they want clear guidance, realistic options, and a loan structured correctly from the beginning.
We’re based in Coral Springs, and that local foundation shapes how we operate. But every day, we help clients across Florida—including Boca Raton, Orlando, Tampa, and Jacksonville—navigate financing with a practical, no-surprises approach.
A Florida Mortgage Company That Focuses on the Details That Actually Matter
Most mortgage websites talk about rates and approvals.
What they don’t talk about is what causes deals to fall apart—or cost more over time.
In Florida, that often comes down to:
- Insurance costs that change your real monthly payment
- Property type restrictions (especially condos and HOAs)
- Loan structures that look good upfront but limit flexibility later
As a mortgage broker in Florida, we look beyond basic approvals.
We structure loans based on how they perform over time—not just how fast they close.
Home Loans in Florida—Structured Around Your Situation, Not a Template
Every borrower’s situation is different. That’s why we don’t push one loan—we walk through the trade-offs so you understand what you’re choosing.
We regularly work with:
Home Purchase & Refinancing
- Mortgage Refinancing
Adjust your loan terms, reduce payments, or improve your mortgage structure based on your financial goals. - Cash-Out Refinance
Access your home’s equity for renovations, debt consolidation, or major expenses. - Home Purchase Loans
Finance a home purchase with loan options tailored to your financial profile and long-term plans.
Conventional & Jumbo Loan Options
- Conventional Loans
Flexible and often cost-effective—but only when structured correctly based on credit and down payment - Jumbo Loans
Common in higher-value areas like Boca Raton—requires more precise income and asset planning
Home Equity Financing
- HELOC (Home Equity Line of Credit)
A flexible credit line that allows you to borrow against your home’s equity as needed. - Home Equity Loans
A fixed loan based on your home’s value, ideal for large expenses or structured repayment.
Homebuyer & Lifestyle Programs
- First-Time Homebuyer Loans
Helpful in some cases, but not always the best long-term option depending on restrictions - Second Home Loans
Financing options for vacation homes or secondary residences.
Investment Property Financing
- Investment Property Loans
Loan solutions for purchasing rental or income-producing real estate.
Specialized Mortgage Solutions
- Reverse Mortgage
Access home equity in retirement without monthly mortgage payments. - Commercial Loans
Financing for business properties, multi-unit buildings, and commercial real estate.
Ace Mortgage Is Here To Help
Contact Ace Mortgage to get the best mortgage solution for you and your family.

Refinancing & Home Financing Strategy in Florida
Refinancing can be a powerful tool—but only when it actually improves your financial position.
We help homeowners across Florida evaluate:
- Whether a lower rate truly offsets closing costs
- When cash-out refinancing makes sense—and when it doesn’t
- If a home equity loan or HELOC is a better alternative
We offer:
- Cash-Out Refinance
- Home Equity Loans & HELOCs
If refinancing isn’t the right move for you, we’ll say that clearly. Not every situation benefits from a new loan.
Local Experience Across Florida Markets
Florida isn’t one uniform market—and treating it like one leads to bad decisions.
From what we see working with clients daily:
- Coral Springs & South Florida
Competitive pricing, strict condo guidelines, and insurance plays a major role - Boca Raton
Higher-value homes and more jumbo loan activity - Orlando
Strong demand from first-time buyers and investors - Tampa
Rapid growth with a wide mix of property types - Jacksonville
More affordability, but still requires smart loan structuring
Because we’re based in Coral Springs, we bring strong local grounding—but our experience extends across all of these markets.
Why Clients Work with Ace Mortgage Coral Springs
Clients don’t choose us just for loan options—they choose us for how we guide decisions.
- We explain the reasoning behind every recommendation
- We compare multiple lenders to find realistic approval paths
- We identify risks early—before they become closing issues
- We stay involved throughout the process, not just at the start
We focus on getting it right—not just getting it done.
The Mortgage Process—Clear, Structured, and Predictable
We keep the process straightforward so you always know what’s happening next:
- Pre-Approval
We review your numbers properly—so your approval holds up - Loan Strategy
We compare options and explain trade-offs clearly - Underwriting Preparation
We help you avoid common delays before they happen - Closing
A smooth, well-managed process with no last-minute surprises
Frequently Asked Questions
What credit score do I need to buy a home in Florida?
Most loan programs start around 580–620, but stronger options and better terms are typically available above 680.
How much should I put down?
That depends on your goals. Lower down payments are possible, but we help you balance monthly cost, equity, and long-term flexibility.
Is it better to use a mortgage broker in Florida?
Yes. A broker gives you access to multiple lenders, which can improve both approval chances and loan options.
Do you only work in Coral Springs?
No. While we’re based in Coral Springs, we serve clients across Florida, including Boca Raton, Orlando, Tampa, and Jacksonville.
Start with the Right Strategy—Not Just a Loan
If you’re buying or refinancing in Florida, the smartest first step is understanding your options clearly—not rushing into a decision.
At Ace Mortgage, we help you:
- See what you truly qualify for
- Compare realistic loan strategies
- Move forward with confidence
Get pre-approved today and work with a Florida mortgage lender that focuses on long-term results—not short-term approvals.
Articles By Scott Osher

Are We Closing Tomorrow?
The moving truck is in the driveway and the call comes in…You’re not closing tomorrow. Dead silence followed by internal rage. How did this happen? Who is responsible? Why am I finding this out now?

But My Neighbor Got….
“But my neighbor got 2%!” No they didn’t; really, they didn’t. Bankers and brokers do not make “interest rates”, besides the macro economics of it, the individual does.

Consumer Protection Financial Bureau (CPFB)
The Consumer Protection Financial Bureau (CPFB) is an agency designed to protect consumers by regulating certain aspects of lending, from credit cards, to mortgages.

CFPB Pushes For Elimination Of ‘GSE Patch
Anyone that is a client of the firm knows from following me that there is a hard deadline coming down the pike that will have a tremendous affect on consumers ability to purchase or refinance their homes.
What Our Client Say









From the very beginning, Kelly displayed an exceptional level of expertise and professionalism. She took the time to understand my unique financial situation and specific needs, which immediately put me at ease. Throughout the entire process, she demonstrated an unparalleled commitment to finding the best solutions for me, and she never hesitated to provide valuable insights and advice to make informed decisions.
One of the things that truly impressed me was Kelly's responsiveness. No matter the time of day or day of the week, she was always available to answer my calls and texts. Even during after-hours and weekends, Kelly and her team were there to provide the support I needed, showing their unwavering dedication to their clients. This level of accessibility and attentiveness made me feel like a top priority, and it greatly reduced the stress that can often come with such an important financial decision.
Kelly's ability to navigate through the complexities of the lending process was nothing short of remarkable. She effortlessly guided me through each step, making sure I understood every detail along the way.
I must also commend Kelly's team, who worked tirelessly alongside her. Their collective efforts and seamless coordination ensured that nothing fell through the cracks, and they demonstrated a level of professionalism that is rare to find in the industry. They took me to the finish line with unmatched determination.
If you are in need of a loan officer who genuinely cares about her clients, is highly knowledgeable, and is willing to go the extra mile, look no further than Kelly and her team. They have set the bar high for excellence in their field, and I wholeheartedly recommend them to anyone seeking mortgage assistance.
Thank you, Kelly, for your exceptional service.

As soon as our credit hit the right score We received a pre-approval literally 24 hours later! Kelly held our hand through every step and we were able to close our loan in 3 weeks!!!
Even when the loan was closed on Kelly’s end she still dragged the title agent to the finish line to make sure everyone was able to walk away happy! We did not have a realtor so Kelly went the extra step to make sure everyone was on the ball!
We cannot thank Kelly enough, when we were turned down by other brokers for our credit score, Kelly rolled up her sleeves and helped us tackle it as a team.
We love Ace mortgage and without them we don’t know if we ever would be where we are today!
Unlock Your Dream Home Today!
Let us help you navigate through the process. We are available 24 hours a day, 7 days a week. Call (954) 777-4774 now for clear and concise answers to your questions.


