Florida mortgage broker for buyers and homeowners
Buying, refinancing or tapping your equity anywhere in Florida? Gillors is a licensed mortgage broker comparing options from multiple lenders, with a real person guiding you to closing.
- No credit check to start
- Compare options from multiple lenders
- A real person follows up
5.0 on Zillow · 18 reviews
Home loans for Florida buyers and homeowners
Gillors Mortgage is licensed in Florida and Georgia (NMLS #1977257). Whether you’re buying your first home in Florida, moving down from Georgia, refinancing or tapping your home’s equity, we compare options from multiple lenders and walk you through every step.
Most of the process happens online and by phone, so it’s just as easy in Miami, Orlando, Tampa or Jacksonville as it is next door, and you always have a real loan officer to call.
How we help across Florida
Buying a home
Get pre-approved so you can make offers with confidence in a competitive market.
First-time buyers
Learn about FHA loans and Florida down payment assistance programs you may qualify for.
Refinancing
Lower your payment, shorten your term, switch to a fixed rate or take cash out.
Home equity
Compare a HELOC, a home equity loan and a cash-out refinance side by side.
VA loans
Home loans for eligible veterans and service members, including VA streamline refinancing.
Condos and second homes
Loans for condos, vacation homes and moving to Florida from another state.
What’s different about a Florida mortgage
A few things matter more in Florida than in most states. We look at them early so there are no surprises at closing.
Homeowners and flood insurance
Insurance can be a big part of your monthly cost in Florida. We help you factor in homeowners, wind and, if needed, flood insurance before you make an offer.
Condo approvals
Lenders review a condo building’s budget, reserves and inspections closely. We check early which loan types work for the building you like.
Florida closing costs
Florida charges documentary stamp tax and intangible tax on new mortgages. We include them in your cost estimate so you see the full picture.
Homestead exemption
If the home is your primary residence, you may be able to lower your property taxes with Florida’s homestead exemption after you buy.
How it works
- Tell us your goalAnswer a few quick questions online. It takes minutes and doesn’t pull your credit.
- Get an honest comparisonYour loan officer compares options from multiple lenders and explains the full cost.
- Apply with confidenceWhen you’re ready, we help you apply and guide you through documents and the appraisal.
- CloseSign your loan with your loan officer beside you the whole way.
Areas we serve in Florida
We help buyers and homeowners across the whole state, including:
Florida mortgage questions
Is Gillors licensed in Florida?
Yes. Gillors Mortgage is licensed to offer mortgage loans in Florida and Georgia, NMLS #1977257. Our Florida Mortgage Broker License is #MBR4102, and you can verify it on NMLS Consumer Access.
Can you help if I’m moving from Georgia to Florida?
Yes. Many of our clients relocate between the two states. We can help you buy in Florida and talk through what to do with your current home.
Do I need flood insurance?
If the home is in a high-risk flood zone and you have a mortgage, the lender will require flood insurance. Even outside those zones, many Florida homeowners choose to carry it. We help you check early.
Can I buy a condo in Florida?
Yes. The building has to meet lender guidelines, so we review it early and find the loan type that fits.
Are there down payment assistance programs in Florida?
Florida has state and local programs for eligible buyers, often first-time buyers. Availability and rules change, so your loan officer will check what you may qualify for.
Ready to see your Florida options?
No credit check to start, and a real person follows up.
What homeowners say
Real reviews from homeowners who worked with Netta Li Fidderer, Senior Loan Officer at Gillors.
Highly recommend Netta Li! It was my first home and the first loan. Netta Li patiently and professionally guided me through the whole process, explaining every term, every detail. Netta Li is very good at communicating! She has always responded very quickly to my texts, emails and calls. …
This is our second deal with Netta Li and like last time she was great, patient and responsive every day, helped us go through the obstacles all the way to a successful deal. Thank you!
I highly recommend Netta Li Fidderer! She is extremely professional, patient, accommodating, and was able to explain the complicated details. I'm happy with the loan that I was able to get with good rates, thanks to her.
