Your Florida mortgage experts
Real people answer the phone.
No call center. No ticket number. These are the people working your file.
Most people think they need $70,000 down. They need about $12,000 — and some need nothing at all. Thirty years in this business taught us the barrier is almost never the money. It's what nobody told you.
Mortgage broker + real estate broker in one person. Alex explains why one license isn't enough anymore — and how you get full real estate negotiation for free when we do your mortgage.
Want the details straight from the source? Read the NAR's own explanation of the settlement → (PDF)
Most people juggle three companies to get into a home. You don't have to. We handle the whole thing under one roof.
Conventional, FHA, VA, HELOC and reverse mortgages. We find the program that fits your numbers — not the one that's easiest to sell.
See loan options →Alex Rinehart is a licensed Florida real estate broker. That means the person financing your home can also help you find it.
Start your search →Florida homeowners insurance is its own battle. We'll point you at coverage that actually holds up when you need it.
Ask about coverage →Here's exactly what happens, in order, so nothing catches you off guard.
A real underwriting look at your numbers — not a guess. You'll know your budget before you fall in love with a house you can't have.
Shop with a pre-approval letter in hand. Sellers take you seriously, and you move fast when the right place shows up.
We watch the market and lock when it makes sense for you. Once it's locked, it's locked — no moving target.
Clear closing numbers ahead of time. You sign, you get the keys, and you go home — not to your apartment, to your home.
Different lives need different loans. Here's the honest breakdown.
The classic choice for buyers with solid credit and a down payment ready to go. Flexible terms, competitive rates, and no mortgage insurance with 20% down.
Apply →Low down payment, flexible credit requirements. If you've been told no somewhere else, this is usually the door that opens.
Apply →Zero down payment for veterans and active-duty service members. You earned it — we make sure you actually get it.
Apply →Tap your home's equity for renovations, debt consolidation or major expenses. Only pay interest on what you actually use.
Watch Alex explain it →Convert equity into tax-free cash with no monthly mortgage payment. Stay in your home, keep your title, access your equity on your terms.
Talk it through →No call center. No ticket number. These are the people working your file.
Once a month Alex sits down with a room of first-time buyers and walks through the whole thing — how the money actually works, what the down payment really is, and who else can pay your closing costs. Ninety minutes. No cost. No pitch disguised as education.
“It's the only relationship where you pay for everything and they keep the house.” — Alex, on renting
Held monthly · 90 minutes · coffee's on Ben.
Seats are limited — call (561) 440-2483 or ask about the next date.
Presenter sign-in
Alex and his team made the entire process seamless. From pre-approval to closing, everything was handled professionally and quickly. I couldn't recommend Standard Florida Mortgage more highly.
As a veteran, I was nervous about the VA loan process. Nicole walked me through every step and got me a rate I couldn't believe. Zero down, closed in 21 days. Incredible team.
The reverse mortgage changed our retirement. We were house-rich but cash-poor, and Alex explained everything honestly — no pressure, just facts. Now we have the funds to enjoy our golden years.
Fifteen minutes. No cost, no obligation. We look at your income, your savings and your rent, and you get one of two honest answers: “yes, you're ready — here's your plan,” or “not yet — here's what to fix.”
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