Your Local Mortgage Lender
Located in Cooper City, Florida. Shopping 30+ wholesale lenders so you get the lowest rate & fee structure possible.
Personalized Mortgage Experience
Mark Harris offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster. With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless.
Banks Fight For Your Business
As a wholesale broker, we shop over 30 top lenders simultaneously. Rather than fitting you into one bank's narrow box, we force lenders to compete for your loan.
No Lender Fees
Retail banks often tack on thousands in origination, processing, and underwriting fees. Our streamlined model saves buyers an average of $1,600 at closing.
No Credit Impact To Start
We analyze your scenarios and run soft preliminary numbers first so you can shop with total confidence before committing to a formal hard credit check.
The Home Loan Process
Three simple steps from initial pre-approval to key hand-off.
Mortgage Pre-Approval
Get fully pre-approved by Mark Harris to confirm exact budget, maximum loan limits, and down payment options.
House Shopping
Partner with a top local Real Estate Agent or let us match you with a trusted expert in your target Florida neighborhood.
Loan Application & Closing
Complete your full application online, upload tax docs securely, and close smoothly in 21 days or less.
Don't Take My Word For It
126+ 5-Star Google Reviews from local Florida homebuyers and top real estate agents.
See What Our Clients Are Saying →Mortgage Loan Programs
Explore our full range of home purchase, refinance, and specialty loan solutions tailored to Florida homeowners.
Conventional Loans
Popular 3% - 20% down options with low PMI and high loan limits.
FHA Home Loans
Flexible credit requirements and down payments as low as 3.5%.
VA Home Loans
0% down payment and no monthly PMI for active military & veterans.
USDA Rural Loans
100% financing for eligible suburban and rural Florida properties.
Jumbo Mortgages
High-balance luxury home financing with competitive rates.
15-Year Fixed
Pay off your home twice as fast and save tens of thousands in interest.
30-Year Fixed
Predictable monthly payments and long-term financial stability.
Florida Hometown Heroes
Up to $35,000 in down payment & closing cost assistance for FL workers.
203K Renovation
Bundle purchase price and home improvement costs into one mortgage.
Reverse Mortgages
Convert home equity into tax-free cash flow for seniors 62+.
Adjustable Rate (ARM)
Lower initial interest rates for short-term ownership horizons.
Full Programs Hub
View all mortgage solutions, guidelines, and comparison charts.
Live Market Rate Quote
Mortgage rates change daily based on market conditions, credit score, loan type, and down payment. Request a customized rate scenario in under 30 seconds.
Free Purchase Loan Analysis
Fill out this quick 2-minute questionnaire to see what you qualify for in Florida.
Frequently Asked Questions
Clear answers to common Florida mortgage questions.
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of down payment assistance programs, including Florida Hometown Heroes, VA 0% down loans, and USDA 100% financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is understanding your budget, long-term goals, and loan options. Mark Harris walks you through exact side-by-side comparison charts.
How long will the loan process take?
Under TILA guidelines, a loan cannot close earlier than 7 business days after application. Our typical closing timeline is 14 to 21 days from purchase contract approval.
Will I qualify for a home loan?
The best way to know is to complete our free loan analysis. We work with all credit tiers and can often approve buyers who were turned away by big retail banks.
Most Recent Blog Updates
The Housing Market Headlines Are Not Giving You the Whole Truth and Here Is What Is Actually Happening
More equity, less competition, real negotiating power. Mark Harris explains what the market actually looks like now.
Three Mistakes First Time Buyers Are Making in 2026 and Each One Is Costing Them Real Money
Waiting for rates, 20% down myth, skipping pre-approval. Mark Harris explains what first-time buyers get wrong.
Hometown Heroes Down Payment Assistance Is Releasing 50 Million Dollars Next Month and Here Is What to Do
50 million in DPA coming next month for heroes. Mark Harris explains why pre-approval must come first.
Interactive Mortgage Calculator
Estimate your total monthly payment including taxes, insurance, PMI, and HOA fees.
Real Estate Agents & Brokers
Close more deals on time with a lender who answers the phone 7 days a week, provides updates at every milestone, and issues clear pre-approval letters.
Ready To See What You Qualify For?
Get personalized rate quotes and loan options with zero obligation. Local Cooper City service backed by wholesale rates.