May 31, 2025
When Can You Refinance a Mortgage
Refinancing your home is a great way to lower your monthly payments or tap into cash via home equity. But
Mortgage Broker Fort Lauderdale FL | Florida State Mortgage Group, Inc.
Florida State Mortgage Group, Inc. are mortgage brokers in Fort Lauderdale, offering a comprehensive selection of loan options. Call us at (954) 359-3000.
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FLORIDA HOMETOWN HEROS & FIRST TIME HOME BUYERS DISCOUNTS (FTHB)Premier Mortgage Lender in Fort Lauderdale
Florida State Mortgage Group, Inc. was founded to make mortgage financing convenient. A team of seasoned financial masters came together to provide a comprehensive range of financing options to residents, property owners, maiden investors, developers, and more.
Our customer-centric approach to financing focuses on first-time home buyers and US Veterans. Whether you’re in search of refinancing an outstanding loan or want to purchase your abode in sunny Fort Lauderdale and other parts of Florida, we come together to make your dreams a reality.
Experience the Difference
We put a special emphasis on first-time home buyers and US Veterans. This makes navigating the real estate market and mortgage financing in Florida much easier. We provide specialized programs for these categories. These include down payment assistance funds and Mortgage Credit Certificates (MCC) programs among others.
We maintain a fast turnaround on applications and utilize online tools at hand to make the process go faster in a streamlined manner. Additionally, we pay close attention to your needs, answering queries and assisting in completing and submitting applications.
"Give yourself a competitive edge in today's Seller's market...same day pre-approvals and loan commitments in 7 days are really possible".
Stephen B. McWilliam
PresidentNMLS# 375690
Loan Options
We offer a variety of loan programs to help you accomplish your housing goals.
Understanding the Loan Process
3 Simple Steps to Pre-Approval which is extremely valuable in the competitive Fort Lauderdale, FL market.
Schedule A FREE Consultation Develop A Mortgage Plan with your Consultant Apply and receive a same day FREE no obligation approval
Free Mortgage Checklist to help you get started.
Top Tips for Home Buyers
Over 7 pages Of AMAZING info that will change the way you look at Home Buying! Based on real world examples from our mortgage experts.
Home Buying ChecklistTips to Refinance Your Home
Over 7 pages Of AMAZING info that will change the way you look at Cash Out Mortgage Refinancing! Based on real world examples from our mortgage experts.
Refinance ChecklistLearn From Our Experience
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What Our Clients Are Saying
AUWAL ADAMU H.
15:26 28 Sep 23
I can't thank Steve at Florida State Realty Group enough for helping me purchase my Fort Lauderdale condo. He made the entire process smooth and efficient. Highly recommended!
Nkechi G.
15:13 28 Sep 23
Betty at Florida State Mortgage Group is a true professional. She helped me invest in a great property in Fort Lauderdale. Her expertise and dedication are top-notch. I couldn't be happier.
Art K.
15:30 27 Sep 23
Once our regular bank delayed our loan application, we became exceptionally nervous. We were in jeopardy of not only losing our new home but our deposit. We are eternally grateful that we were referred to Steve McWilliam. We had initially Googled Fort Lauderdale Mortgage Broker and he was the number one mortgage broker but we had already started the process with our local bank which was a horrible experience and mistake. We can highly recommend Steve as he delivered above and beyond what we had expected.
Harry K.
20:07 15 Sep 23
Stephen is an expert in this bussiness.Excellent attention, fast respond to all our questions.
Scott M.
02:17 22 Oct 22
Steve and his team did a fantastic job with my loan and I would highly recommend! They are extremely knowledgeable and professional and will certainly use them again! I have had a few other friends use Steve and they all have positive things to say. 5 stars!
Isabel E.
13:54 08 Oct 22
Stephen and Betty over delivered not only my needs in securing a loan to purchase my dream house but we’re profferesional and courteous every step of the way. I am blessed to have had met them. Thank you GOD
Anand S.
21:58 07 Oct 22
Steve is an excellent person to work with and have excellent knowledge about home loans. He is able to close my both the loans very efficiently. I recommend Steve to whoever wants home loans.
James B.
03:11 20 Nov 21
From my first call to Steve Mc William to the second we closed, it was the best service ever. I felt as if I were their only customer. Everything was top notch and professional.
Stephen B.
15:59 19 Nov 21
J C
21:36 13 Nov 21
Mr McWilliam was extremely thorough and informative. He even provided excellent advice on some other non related mortgage questions I had. He listened carefully to my goals and provided me with the best product for my financial situation. I have never met any one so thorough. Thank you.
Crystal T.
14:04 12 Nov 21
angelo C.
21:26 08 Nov 21
Linda R.
19:27 18 Jan 21
Steve did a great job on our refi. Thanks for making it happen.
Crystal T.
12:15 30 Jul 20
Steve and his team at Florida State Mortgage Group, Inc. went above and beyond to help me get my mortgage for our families new home. Steve is very professional, experienced, and the company offers excellent customer service. I highly recommend anyone in the need of a mortgage to contact Florida State Mortgage Group, Inc.
Lana M.
16:22 13 Feb 20
Stephen McWilliam was an amazing person to deal with. Our deal was pretty complicated on all aspects and he was so professional, he got it done !!! Thank you so much for all the hard work you put into this deal!!!
Erica Bethe L.
16:21 22 Jan 20
Working with Steve and Florida State Mortgage Group was singlehandedly the best and most seamless part of buying our home. I could not recommend them more highly.
Charlie C.
14:45 14 Jan 20
Stephen went above and beyond to help me in my situation. Thank You 👍
Brian M.
15:02 13 Jan 20
Steve did a wonderful job securing a mortgage for me based on the parameters I gave and seeing everything through to completion. No hiccups for me along the way in a process that can be very painful if not managed well.
Shannon D.
01:34 12 Jan 20
Steve and the team at Florida State Mortgage Group are exceptional. I was looking for a townhouse for my family when Steve and his team were referred to me. Florida State Mortgage Group showed me I could easily afford a single family home. Steve handled everything from providing a list of homes, securing the home loan, insurance options and closing.I’ve referred Florida State Mortgage Group to friends and family. Each person has experienced the same level of knowledge and quality of service.5 STARS
Florida G.
19:08 11 Jan 20
I was very pleased with Steve and the ease of the process. No hiccups or surprises. Highly recommended for mortgage services.
Michelle V.
17:20 08 Jul 19
I worked with Betty to buy my first house here in South Florida and I could not be happier! She was amazing. She was always available to answer my questions and she was very patient. She was extremely knowledgeable, even getting me approved for a HUGE tax exemption I will receive annually . She always had all the paper work ready on time and explained everything in detail. I could not image a better agent. I'm SO glad we made the decision to work with her. Thanks Betty!
Justin P.
16:01 08 Jul 19
Betty did an amazing job originating our loan. She is knowledgeable, accessible, and eager to provide the best for her clients. I HIGHLY recommend her!
Ganel A.
00:59 26 Feb 19
you guys are doing a great job keep it up.
Mike H.
17:15 20 Feb 19
Natalie R.
20:59 12 Feb 19
We had a great experience with Florida State Mortgage Group. Would recommend them and will use them again in the future.
Sean Z.
18:28 05 Feb 19
Steve McWilliam was a tremendous help in securing my mortgage a few years ago. He’s also been a great source of knowledge in the time since. I highly recommend him as someone you can trust.
Scott Y.
17:42 04 Feb 19
The smartest, most helpful and insightful mortgage loan person I’ve ever used. On our first attempt to buy he saved us from disaster. On our second attempt he was finished and ready to close before everyone else! Our loan was a VA so we expected it to take extra time...nope. For our next loan we won’t use anyone else.
Mike M.
03:25 03 Feb 19
Knowledgeable, Professional and results oriented!!
Hugh B.
19:22 02 Feb 19
If your looking for a highly professional, easy to work with and lightning fast mortgage team, then Florida State Mortgage is for you.I wouldn’t go anywhere else for my mortgage needs.Hugh B.Davie, Florida
Madison C.
00:53 30 May 18
They were a pleasure to work with and they helped us get through the financing of our first home in Florida. Highly recommended!
Peter P.
07:26 22 Feb 18
They helped me get a loan for my first-home purchase. At first I wasn't sure what to expect working with them, but they quickly put those worries to rest! They were very patient with us every step with professionalism.
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Call us today at (954) 359-3000 and experience the difference.
Copyright © Florida State Mortgage Group, Inc. | All Rights Reserved
Terms of Use | Privacy Policy | TCPA Consent
Florida State Mortgage Group, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
AUWAL ADAMU HUSSAIN
15:26 28 Sep 23
I can't thank Steve at Florida State Realty Group enough for helping me purchase my Fort Lauderdale condo. He made the entire process smooth and efficient. Highly recommended! Nkechi Godwill
15:13 28 Sep 23
Betty at Florida State Mortgage Group is a true professional. She helped me invest in a great property in Fort Lauderdale. Her expertise and dedication are top-notch. I couldn't be happier. Art King
15:30 27 Sep 23
Once our regular bank delayed our loan application, we became exceptionally nervous. We were in jeopardy of not only losing our new home but our deposit. We are eternally grateful that we were referred to Steve McWilliam. We had initially Googled Fort Lauderdale Mortgage Broker and he was the number one mortgage broker but we had already started the process with our local bank which was a horrible experience and mistake. We can highly recommend Steve as he delivered above and beyond what we had expected. Harry Kreisberger
20:07 15 Sep 23
Stephen is an expert in this bussiness.Excellent attention, fast respond to all our questions. Scott Mason
02:17 22 Oct 22
Steve and his team did a fantastic job with my loan and I would highly recommend! They are extremely knowledgeable and professional and will certainly use them again! I have had a few other friends use Steve and they all have positive things to say. 5 stars! Isabel Echeverry
13:54 08 Oct 22
Stephen and Betty over delivered not only my needs in securing a loan to purchase my dream house but we’re profferesional and courteous every step of the way. I am blessed to have had met them. Thank you GOD Anand Subramanian
21:58 07 Oct 22
Steve is an excellent person to work with and have excellent knowledge about home loans. He is able to close my both the loans very efficiently. I recommend Steve to whoever wants home loans. James Basile
03:11 20 Nov 21
From my first call to Steve Mc William to the second we closed, it was the best service ever. I felt as if I were their only customer. Everything was top notch and professional. Stephen Brathwaite
15:59 19 Nov 21
J C
21:36 13 Nov 21
Mr McWilliam was extremely thorough and informative. He even provided excellent advice on some other non related mortgage questions I had. He listened carefully to my goals and provided me with the best product for my financial situation. I have never met any one so thorough. Thank you. Crystal Torres
14:04 12 Nov 21
angelo cedeno
21:26 08 Nov 21
Crystal Torres
12:15 30 Jul 20
Steve and his team at Florida State Mortgage Group, Inc. went above and beyond to help me get my mortgage for our families new home. Steve is very professional, experienced, and the company offers excellent customer service. I highly recommend anyone in the need of a mortgage to contact Florida State Mortgage Group, Inc. Lana Mihova
16:22 13 Feb 20
Stephen McWilliam was an amazing person to deal with. Our deal was pretty complicated on all aspects and he was so professional, he got it done !!! Thank you so much for all the hard work you put into this deal!!! Erica Bethe Levin
16:21 22 Jan 20
Working with Steve and Florida State Mortgage Group was singlehandedly the best and most seamless part of buying our home. I could not recommend them more highly. Charlie Crusher
14:45 14 Jan 20
Stephen went above and beyond to help me in my situation. Thank You 👍 Brian Mosher
15:02 13 Jan 20
Steve did a wonderful job securing a mortgage for me based on the parameters I gave and seeing everything through to completion. No hiccups for me along the way in a process that can be very painful if not managed well. Shannon Dameron
01:34 12 Jan 20
Steve and the team at Florida State Mortgage Group are exceptional. I was looking for a townhouse for my family when Steve and his team were referred to me. Florida State Mortgage Group showed me I could easily afford a single family home. Steve handled everything from providing a list of homes, securing the home loan, insurance options and closing.I’ve referred Florida State Mortgage Group to friends and family. Each person has experienced the same level of knowledge and quality of service.5 STARS Florida Guy
19:08 11 Jan 20
I was very pleased with Steve and the ease of the process. No hiccups or surprises. Highly recommended for mortgage services. Michelle Vantine
17:20 08 Jul 19
I worked with Betty to buy my first house here in South Florida and I could not be happier! She was amazing. She was always available to answer my questions and she was very patient. She was extremely knowledgeable, even getting me approved for a HUGE tax exemption I will receive annually . She always had all the paper work ready on time and explained everything in detail. I could not image a better agent. I'm SO glad we made the decision to work with her. Thanks Betty! Justin Pyka
16:01 08 Jul 19
Betty did an amazing job originating our loan. She is knowledgeable, accessible, and eager to provide the best for her clients. I HIGHLY recommend her! Mike Heller
17:15 20 Feb 19
Natalie Rodriguez
20:59 12 Feb 19
We had a great experience with Florida State Mortgage Group. Would recommend them and will use them again in the future. Sean Zamora
18:28 05 Feb 19
Steve McWilliam was a tremendous help in securing my mortgage a few years ago. He’s also been a great source of knowledge in the time since. I highly recommend him as someone you can trust. Scott Yankton
17:42 04 Feb 19
The smartest, most helpful and insightful mortgage loan person I’ve ever used. On our first attempt to buy he saved us from disaster. On our second attempt he was finished and ready to close before everyone else! Our loan was a VA so we expected it to take extra time...nope. For our next loan we won’t use anyone else. Hugh Bruder
19:22 02 Feb 19
If your looking for a highly professional, easy to work with and lightning fast mortgage team, then Florida State Mortgage is for you.I wouldn’t go anywhere else for my mortgage needs.Hugh B.Davie, Florida Madison Cantrell
00:53 30 May 18
They were a pleasure to work with and they helped us get through the financing of our first home in Florida. Highly recommended! Peter Parkson
07:26 22 Feb 18
They helped me get a loan for my first-home purchase. At first I wasn't sure what to expect working with them, but they quickly put those worries to rest! They were very patient with us every step with professionalism. ×