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Financial Planner
- 3.5% Down payment required
- Transferable Appraisals
- No Risk Factor Pricing
- Purchase or Refinancing
- Gift Funds Allowed
- Condo’s OK
- Streamline Refinance

Private Equity / Portfolio
- Investors Welcome
- Fast Closings
- Credit Score Not Considered
- Jumbo’s OK
Mortgages Coral Springs
Transparency and Trust has been our business model since 1996. Our client’s interests always come first. It has been our experience upon putting those interests first, our own success will follow.
- Purchase
- Refinancing
- Investment
- Cash out
- Commercial
- 96.5 Financing
- Seller and Lender Concessions for Closing Costs
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
September 18, 2023
Thanks to you and to Scott for all the hard work was for making this another smooth transaction for Paola and I. Have a great evening.
Regards,
Danny R
July 19, 2023
I recently had the pleasure of working with Kelly Ardito and her amazing team during my home buying journey.
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.
R. Maldonado
Sabrina P & Yoel R
Jorge A
Pam D – D’Angelo Realty Group
Joseph N
Katie L.
Danny
Patty S
Adam H
Unsure of your options?
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.