Business Details
Your Coral Gables Mortgage Broker for Personalized Loan Solutions
At Family America Mortgage, we treat each customer as an individual, not a number. Our approach prioritizes personalized service over formulaic lending models, leveraging over 100 investor partnerships to secure optimal loan solutions. We specialize in connecting clients with A-rated lenders, offering competitive rates across conventional, jumbo, FHA, VA, home equity, commercial, and specialized loan programs. Our expertise spans full documentation to non-traditional scenarios, including investor properties and multi-family units. We empower clients with tools like affordability calculators and refinance analysis.Our Coral Gables-based team provides customized guidance through every stage of the mortgage process. We maintain transparency in rate disclosures while offering flexible application options through our online platform. With decades of collective experience in mortgage finance, we ensure clients receive tailored financial solutions. Our 30-second consultation process initiates personalized loan analysis. We demonstrate industry leadership through educational resources explaining mortgage terminology and decision-making frameworks.
Services
FHA Loans
VA Loans
Refinance
Jumbo Loans
Home Equity Lines
Commercial Loans
No Documentation Loans
Investor Loans
Cash-Out Refinance
Reverse Mortgages
Highlights and features
- We offer personalized mortgage solutions beyond traditional banking formulas
- Our 100+ investor network secures competitive rates across all loan types
- Specialized expertise in non-traditional documentation scenarios
- We provide instant rate estimates through our interactive mortgage tools
- 30-second consultation initiates customized loan analysis
Associations and certifications
- NMLS #991740
Services
FHA Loans
Federal Housing Administration insured mortgages offer low down payment options for qualified borrowers. Our specialists navigate FHA loan requirements to make homeownership accessible for first-time buyers and those with moderate credit scores. We provide guidance on mortgage insurance implications and qualification criteria while connecting clients with approved lenders offering competitive FHA rates.
VA Loans
Department of Veterans Affairs guaranteed loans for eligible military personnel and families. We facilitate VA loan applications with no down payment requirements, helping veterans access favorable financing terms. Our team verifies service eligibility and connects clients with lenders specializing in VA mortgage programs, including refinancing options for existing VA loans.
Cash-Out Refinance
Convert home equity into liquid capital for debt consolidation, home improvements, or education funding. We analyze current mortgage terms to determine refinancing feasibility, offering competitive rates for equity cash-out transactions. Our consultants compare potential savings against home equity lines of credit to recommend optimal solutions based on individual financial circumstances.
No Documentation Loans
Non-traditional mortgage solutions for self-employed borrowers and those with complex income structures. We connect clients with lenders offering stated-income loan programs while maintaining compliance standards. Our specialists guide applicants through alternative documentation requirements, ensuring transparency about qualification parameters and risk-based pricing considerations.
Reverse Mortgages
Home equity conversion mortgages for homeowners aged 62+. We provide counseling on reverse mortgage implications, helping seniors access tax-free funds while maintaining property ownership. Our consultants explain payment optionslump sum, monthly payments, or credit linesand coordinate lenders specializing in HECM programs with competitive interest rate structures.
Questions
What mortgage loan types do you offer?
We provide FHA, VA, conventional, jumbo, home equity, commercial, and specialized loans including no-documentation and investor property options.
How do I calculate my mortgage affordability?
Use our online affordability calculator considering income, debts, credit score, and local property taxes to estimate your purchasing power.
What's the mortgage application process like?
Start with our 30-second consultation, then complete our online application before submitting required documentation for underwriting.
Do you offer refinancing options?
Yes, we offer rate reduction, cash-out, and streamline refinancing including VA and FHA-specific programs.
What documents are required for mortgage approval?
Typical requirements include proof of income, asset statements, credit authorization, and property documentation – specifics vary by loan type.
How quickly can I get loan pre-approval?
Our streamlined process delivers pre-approvals within 24-48 hours after receiving complete documentation.
Reviews (4)
Nailibeth Coello
Aug 07, 2021
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If I could give a 100 stars review, I would definitely do it, Gary Zawadzki helped me in everything, he always explained me every single detail and made me feel comfortable about any decision I needed to make, every time I needed him, he was just one phone call away. If you let him guide you, youll buy your home in less of what you can even imagine. Ill always appreciate him for everything.
Giacomo Rossi
Aug 06, 2021
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Im so excited to be a new Condo owner and I was so lucky to work with Family America Mortgage for my Loan! Gary was always pleasant and helped me in all process. I feel very confidant referring other people we know looking for a home mortgage to Gary! Giacomo Rossi
K. B.
Aug 02, 2021
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Gary Zawadzki is the 1-nnn-Ask-Gary of the Mortgage industry. If you have a new mortgage request and you need a FAST response, or if you are running into roadblocks with your current mortgage company, Gary Zawadzki of Family America Mortgage, is the one to call. My realtors, Connie and Greg Dichtas of Select Properties (highly recommend) told me to contact Gary when I hit a brick wall with the online mortgage companies. He not only came up with the solution, he got me great rates and I was preapproved in less than 48 hours. WOW.
Gary is fast, efficient, knowledgeable, driven, and creative. If
Gary is fast, efficient, knowledgeable, driven, and creative. If
Jody Callahan
Jul 23, 2021
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My experience with this company was amazing, Gary was on point all throughout the process. I highly recommend this company and if need be would certainly use them again. They made it all very easy!
