Expert Mortgage Broker Services for Florida Homebuyers
Direct access to wholesale rates for Miami, Tampa, Orlando, and Jacksonville. Award-winning service with a commitment to your successful Florida closing.
Start Your Florida ApplicationHome Purchases
Competitive financing solutions for primary residences, second homes, and vacation properties across the state.
Strategic Refinancing
Optimize your home's equity with rate-and-term or cash-out refinance options tailored to the Florida market.
Specialized Financing
Expert guidance for FHA, VA, and Conventional loans, including specialized condo and investment requirements.
With an established presence in Texas and deep roots in Florida, Ray Gulam is uniquely positioned to help families transition between the two states. From understanding different insurance requirements to closing customs, we ensure your Florida home purchase is handled with national expertise and local care.
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