About Us

About Ace Mortgage Loan Corporation

Ace Mortgage Loan Corporation is a trusted mortgage lender based in Coral Springs, Florida, serving homebuyers and homeowners throughout Broward County, Palm Beach County, and South Florida. Since 1996, our mission has been simple: help people achieve homeownership and make confident mortgage decisions.

For decades we have guided clients through one of the most important financial decisions of their lives—buying or refinancing a home. Our team provides personalized mortgage solutions designed to match each borrower’s financial goals, whether they are purchasing their first home, refinancing an existing loan, or investing in real estate.

Unlike many mortgage companies that focus on volume, Ace Mortgage focuses on people. We believe every borrower deserves clear information, honest guidance, and a mortgage strategy tailored to their situation.

Our Story

Ace Mortgage Loan Corporation was founded in Coral Springs in 1996 to help local homeowners achieve the American dream of homeownership. Over the years, the mortgage industry has experienced dramatic changes—from housing booms to market corrections—but our commitment to clients has remained constant.

While many lenders have come and gone, Ace Mortgage continues to grow by focusing on long-term relationships and responsible lending practices. Our team has spent decades helping clients navigate mortgage markets, changing interest rates, and evolving loan programs.

Today, we proudly serve buyers and homeowners throughout these southern Florida counties and others. 

Our experience allows us to simplify the mortgage process while helping clients find financing that fits their needs today and into the future.

Mortgage Solutions We Offer

Ace Mortgage Loan Corporation offers a wide range of home financing solutions designed to meet different financial situations.

Our loan programs include:

Business hand holding home - refinancing concept

By offering multiple loan options, we can help clients choose a mortgage that aligns with their long-term financial goals.

Mortgage House

A Mortgage Process Built Around You

Buying or refinancing a home should not feel overwhelming. Our team works closely with every borrower to guide them through each step of the mortgage process.

We help clients with:

  • Mortgage pre-approval
  • Understanding loan options
  • Reviewing credit and financial readiness
  • Choosing the right loan program
  • Navigating underwriting and closing

Our goal is to make the process as clear and stress-free as possible while ensuring every client understands their financing options.

Why Homebuyers Choose Ace Mortgage

Many homeowners in Coral Springs and Broward County choose Ace Mortgage because of our experience, service, and transparency.

What sets us apart:

  • Over 25 years of mortgage experience
  • Personalized mortgage guidance
  • Access to multiple loan programs
  • Knowledge of South Florida real estate markets
  • Dedicated support throughout the loan process

Our clients know they are not just another loan file—they are individuals working toward a major life milestone.

Frequently Asked Questions

Below are some of the most common questions homebuyers ask when exploring mortgage financing.

Can I get a loan with late payments on my credit?

Yes, in many cases you can still qualify for a mortgage even if your credit report shows late payments. Lenders evaluate several factors including how recent the late payments were, your current financial stability, and the overall strength of your credit profile.

Programs such as FHA loans often allow more flexibility for borrowers with past credit challenges.

Loan Qualification Questions

What credit score do I need to qualify for a mortgage?

Most mortgage programs have different credit requirements. FHA loans may allow lower credit scores, while conventional loans typically require higher scores. A mortgage professional can review your credit profile and recommend the best loan options available.

Can I get a loan with late payments on my credit?

Yes. Late payments do not always prevent you from qualifying for a mortgage. Lenders review the overall credit profile, how recent the late payments were, and whether your finances have stabilized since then.

Can I qualify for a mortgage with a low credit score?

Some loan programs, including FHA loans, allow borrowers with lower credit scores to qualify for home financing. Working with an experienced mortgage lender helps identify programs designed for borrowers rebuilding credit.

Can I get a mortgage after bankruptcy?

Yes. Many borrowers qualify for a mortgage after bankruptcy once the required waiting period has passed. Depending on the loan program, this may range from two to four years.

Can I qualify for a mortgage after a foreclosure or short sale?

Yes. Most loan programs allow borrowers to qualify again after a waiting period. Rebuilding credit and maintaining stable income can improve your chances of approval.

Mortgage Process Questions

How do I get pre-approved for a mortgage?

Mortgage pre-approval typically involves reviewing your credit, income, assets, and financial history. Pre-approval helps buyers understand their price range and strengthens offers when purchasing a home.

How much down payment do I need to buy a home?

Down payment requirements vary by loan program. FHA loans can allow lower down payments, while conventional loans may require more depending on credit and loan structure.

How long does the mortgage approval process take?

The mortgage process typically takes several weeks from application to closing, depending on the loan program and documentation required.

Loan Program Questions

What types of home loans do you offer?

Ace Mortgage offers several loan programs including conventional loans, FHA loans, VA loans, jumbo loans, refinance loans, and home equity options.

What is the difference between FHA and conventional loans?

FHA loans are government-backed programs designed to help borrowers with lower down payments or flexible credit requirements. Conventional loans often offer competitive rates for borrowers with strong credit profiles.

When does refinancing make sense?

Refinancing can make sense when homeowners want to lower their interest rate, reduce monthly payments, shorten their loan term, or access home equity through a cash-out refinance.

What is a cash-out refinance?

A cash-out refinance replaces your current mortgage with a new loan and allows you to access a portion of your home equity as cash. Many homeowners use this option for renovations, debt consolidation, or financial planning.

What Our Clients Say

Homebuyers across Coral Springs and Broward County trust Ace Mortgage for guidance throughout the mortgage process.

Clients frequently mention:

  • Smooth loan approvals
  • Helpful mortgage guidance
  • Stress-free refinancing
  • Friendly and knowledgeable staff

These long-term relationships are the reason many of our clients return when purchasing another home or refinancing their mortgage.

First time home buyer mortgage in florida
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4.4
Based on 19 reviews
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Meryam Meryam profile picture
Meryam Meryam
07:28 21 Apr 25
As a Florida teacher, I was overjoyed to discover this company's Hometown Hero Grant initiative. They helped me every step of the way, and because of their assistance, I'm now a happy homeowner!!
Response from the owner 11:58 12 Apr 25
Thank you for your wonderful feedback, Meryam! We're thrilled to hear that our Hometown Hero Grant initiative was able to support you on your journey to homeownership. It's rewarding to know that we could assist you every step of the way. Congratulations on your new home, and we wish you all the best in this exciting new chapter!
Alexander Erick profile picture
Alexander Erick
10:55 14 Feb 25
I did a lot of research before deciding to refinance, but this organization stood out for its knowledge and openness. They helped me understand my alternatives and made sure I received the best Fannie Mae deal possible.
Response from the owner 05:13 21 Feb 25
Thank you for sharing your experience, Alexander! We're thrilled to hear that our team's knowledge and openness made a difference for you. Helping our clients find the best options is our priority. We appreciate your trust in us!
Margaret Fouts profile picture
Margaret Fouts
11:27 12 Oct 24
I value their depth of information regarding VA home loans as a veteran. They helped me get a terrific rate and made the procedure really simple.
Response from the owner 06:33 05 Oct 24
Thank you for your kind words, Margaret! We're honored to assist veterans like you with VA home loans. It's great to hear that you found the process simple and that you received a terrific rate. Your satisfaction is our priority!
Roscoe Howerton profile picture
Roscoe Howerton
12:15 15 Jun 24
I was able to fulfill my dream of becoming a homeowner thanks to Ace Mortgage Loan Corp. They took the time to learn about my financial circumstances and provided me with individualized attention. I was able to obtain a loan that was ideal for my circumstances with their assistance. I'm very appreciative of their help and knowledge!
Arthur A. Drake profile picture
Arthur A. Drake
10:18 15 Jun 24
I got assistance from Ace Mortgage Loan Corp. through the challenging process of buying my first home. Their knowledge of loans from Freddie Mac and Fannie Mae was invaluable. They made sure I got a wonderful bargain, and I felt secure in their hands.
Abioye Toheeb Toheeb profile picture
Abioye Toheeb Toheeb
05:02 08 Jun 24
My interactions with this mortgage firm were excellent. After giving my needs a sincere listen, their staff located the ideal FHA loan for my circumstances. They kept me updated at every stage of the easy-to-follow process.
Anderson Alves profile picture
Anderson Alves
05:17 01 Jun 24
I did a lot of research before deciding to refinance, but this organization stood out for its knowledge and openness. They helped me understand my alternatives and made sure I received the best Fannie Mae deal possible.
Debbie Robinson profile picture
Debbie Robinson
11:01 26 Feb 24
My needs were met with hassle-free home financing options from Ace Mortgage Loan Corporation. The staff was helpful and walked me through every stage. Outstanding assistance!
David row profile picture
David row
08:49 05 Feb 24
Ace Mortgage Loan Corp is our go-to for loans. Their variety of loan options cater to diverse needs.The flexibility and transparency in their loan services make them a trustworthy choice for financial solutions.
Paige madden profile picture
Paige madden
05:10 30 Jan 24
Securing a mortgage was a breeze with this company. Their expertise and guidance made the process smooth and stress-free!
Raquel Maldonado profile picture
Raquel Maldonado
14:36 19 Jul 23
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.
Amanda Monks profile picture
Amanda Monks
01:18 09 Dec 21
I just want to start by saying Kelly went above and beyond to help us purchase our first home! With having less than perfect credit, actually down right horrible credit! Kelly was able to guide us through a step by step plan to get our credit exactly where it needed to be to purchase our home in record time!

As soon as our credit hit the right score We received a pre-approval literally 24 hours later! Kelly held our hand through every step and we were able to close our loan in 3 weeks!!!

Even when the loan was closed on Kelly’s end she still dragged the title agent to the finish line to make sure everyone was able to walk away happy! We did not have a realtor so Kelly went the extra step to make sure everyone was on the ball!

We cannot thank Kelly enough, when we were turned down by other brokers for our credit score, Kelly rolled up her sleeves and helped us tackle it as a team.

We love Ace mortgage and without them we don’t know if we ever would be where we are today!

Serving Coral Springs and South Florida

Our office is located in Coral Springs, Florida, and we proudly assist homeowners across Broward and Palm Beach Counties.

Address
10181 W. Sample Road
Coral Springs, FL 33065

Phone
(954) 777-4774

Whether you are purchasing your first home, refinancing your mortgage, or exploring investment opportunities, our team is ready to help you move forward with confidence.

Let's Discuss Your Home Financing Options Today!

Ace Mortgage Loan Corporation provides quality mortgage services to the people of Broward and Palm Beach Counties. Call us today at (954) 777-4774 to get started!

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