Florida Homes Mortgage
Florida's Trusted Mortgage Experts
Own your home in half the time and save over $95,000 in interest. Discover if a 15-year mortgage is right for you.
The 15-year fixed-rate mortgage has proved popular with two very different groups of home buyers. First, it enables young home buyers with sufficient income to meet the higher monthly payments to pay off the house before their children start college. They own more of their home faster with this kind of mortgage. Other home buyers, more established in their careers, who have higher incomes and desire to own their homes before they retire, may also prefer this mortgage.
For example, they can easily take out a second mortgage if they want to make use of the equity in their home. But you need not fall into either category to appreciate the savings that the 15-year fixed-rate mortgage affords home buyers.
You own your home in half the time it would take with a traditional mortgage.
You save more than half the amount of interest of a 30-year mortgage.
Lenders usually offer 0.5% to 1.0% lower interest rate than 30-year loans.
Payments stay the same from first to last — perfect for budget planning.
Can be insured by FHA, VA, and private mortgage insurance companies.
Own your home faster
Save over $95,000 in interest
Build equity quicker
Lower interest rate
Higher monthly payments (10-15% more)
Less mortgage interest tax deduction
Harder to qualify for higher payments
Your personal financial situation should dictate which loan is best for you. If your future income is uncertain, a 30-year mortgage with lower monthly payments will give you more control. Lenders usually permit borrowers to make additional principal payments when extra funds are available.
On the other hand, a 15-year mortgage might be ideal for homeowners on a fixed income who can qualify for higher payments and want to own their home free and clear in 15 years.
With a little discipline, thousands of dollars can be shaved off your finance charge. If you make one extra mortgage payment a year, you could pay off a 30-year fixed-rate loan in about 20 years — saving 10 years of interest!
Explore Your Options →Whether you choose a 15-year or 30-year mortgage, let me help you find the best loan for your financial situation.
Let me help you choose the mortgage that saves you the most money!
"Miguel suggested a 15-year mortgage instead of a 30-year. The payment was higher, but we'll save over $100,000 in interest. Best financial advice we ever received!"
"Miguel found us a 15-year loan with an amazing low rate. We'll own our home free and clear in half the time. He really knows how to find the best loan for each situation."
"We refinanced from a 30-year to a 15-year mortgage with Miguel's help. Our rate dropped significantly and we'll be debt-free much sooner. The process was smooth and fast."
A few minutes, a few clicks, up to 5 competing mortgage quotes
Complete our 60-second application with basic information
Verify your email and get matched with a loan specialist
Receive loan options and start your home search
Sign documents and get the keys to your new home
Lowest rates. Fast approvals. Personalized service.
Your local mortgage broker serving Miami Dade • Broward County • Palm Beach County and More.
"We've helped thousands of families achieve their dream of homeownership. Now it's YOUR turn."
Are you ready to step into your future? Whether it's your first home, a new investment, or a cozy upgrade, securing the right mortgage is the first step. But don't wait – rates are changing fast, and so are your opportunities!
🎁 Exclusive Offer
Fill out the form NOW and unlock special rates and benefits only available to those who act quickly.
Don't let the perfect home slip through your fingers because you hesitated. With just a few clicks, you could be on your way to a brighter tomorrow.
Your future is waiting. Click below to fill out the form and get started! You won't believe how easy it is to make your dream home a reality.
Scan to Save My Contact
📞 Get my direct number
💬 Text me anytime
🏠 We Find the Home 💰 We Find the Loan 🛡️ We Insure.
🔥 Why Work with Three When One Does It All?
🏆 Florida's #1 Broker. 25+ years experience.
📞 Work with the Best and Nothing Less. Just Miguel.
Scan to Save My Contact
📞 Get my direct number
💬 Text me anytime
Join hundreds of Florida families who trusted Florida Homes Mortgage. It takes 2 minutes.