Choosing a great mortgage broker in Palm Coast makes all the difference when you’re navigating one of the biggest financial decisions of your life. Whether you’re a first-time buyer in the Grand Haven community or a retiree looking to downsize near the Hammock Beach area, you want a local expert who understands Flagler County’s market trends, knows the best lenders, and can guide you through the paperwork with transparency. The brokers below have earned top marks from their neighbors—here are the ten best-rated mortgage professionals serving Palm Coast and the surrounding area as of June 2026.
1. FLO Mortgage — 212 Moody Blvd, Flagler Beach, FL 32136, USA | 5.0 stars (140 reviews) With a perfect 5.0-star rating from 140 reviews, FLO Mortgage is a standout choice for homeowners in Flagler Beach and Palm Coast alike. Their team is known for clear communication and a streamlined process, making them especially popular among first-time buyers who appreciate being walked through every step.
2. American Home Mortgage Group - The WAVE Team - Michael J. Akialis NMLS #832250 — 408 S Central Ave, Flagler Beach, FL 32136, USA | 5.0 stars (122 reviews) The WAVE Team, led by Michael J. Akialis, brings a perfect 5.0-star rating and over 120 glowing reviews to the table. They serve Flagler Beach and Palm Coast with a reputation for fast closings and personalized service, which has made them a go-to for locals who value responsiveness.
3. Fairway Independent Mortgage Corp. - The Loan Pro Team — 18 Market Ave Suite 125, Palm Coast, FL 32164, USA | 5.0 stars (95 reviews) The Loan Pro Team at Fairway Independent Mortgage Corp. operates right in the heart of Palm Coast and holds a flawless 5.0-star rating from 95 customers. They’re especially praised for offering a wide range of loan products—from conventional to FHA and VA—so buyers can find a solution tailored to their situation.
4. Miller Mortgages — 901 SW Martin Downs Blvd #200A, Palm City, FL 34990, USA | 5.0 stars (83 reviews) While based in Palm City, Miller Mortgages earns a perfect 5.0-star rating from 83 reviews and frequently works with Palm Coast clients who need a broker willing to handle properties across Flagler and St. Johns counties. Their team is known for being patient and thorough, which is a huge plus for complex purchases.
5. Kim Bontempo, LoanSource Lending — 4869 Palm Coast Pkwy NW Suite 2, Palm Coast, FL 32137, USA | 5.0 stars (72 reviews) Kim Bontempo operates out of the Palm Coast Parkway location and has earned a spotless 5.0-star rating from 72 reviews. Clients consistently highlight her ability to find competitive rates and her willingness to stay late answering questions—exactly the kind of local touch that makes a stressful process smoother.
6. The Florida Mortgage Guy — 316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA | 5.0 stars (63 reviews) With a perfect 5.0-star rating from 63 reviews, The Florida Mortgage Guy specializes in helping Flagler Beach and Palm Coast residents navigate everything from purchase loans to refinances. Their approachable, no-pressure style has made them a favorite among locals who want honest advice without the sales pitch.
7. WIN Mortgage LLC — 316 S Ocean Shore Blvd, Flagler Beach, FL 32136, USA | 5.0 stars (50 reviews) Sharing an address with The Florida Mortgage Guy, WIN Mortgage LLC boasts a 5.0-star rating from 50 reviews and offers a full menu of mortgage options. They’re particularly well-regarded for their speed—many customers report moving from application to closing in under 30 days.
8. Steve Verrier / The Florida Mortgage Center.com - ANE Lending LLC — 61 Cimmaron Dr, Palm Coast, FL 32137, USA | 5.0 stars (47 reviews) Steve Verrier and his team at The Florida Mortgage Center.com have earned a perfect 5.0-star rating from 47 reviews. Based in Palm Coast, they focus on building long-term relationships and are often recommended by local real estate agents for their reliability and attention to detail.
9. East Coast Mortgage Lenders: Peggy Hornick — 3228 SW Martin Downs Blvd #1, Palm City, FL 34990, USA | 5.0 stars (39 reviews) Peggy Hornick at East Coast Mortgage Lenders brings a flawless 5.0-star rating from 39 reviews and regularly assists Palm Coast buyers, especially those looking for investment property loans or second homes near the coast. Clients appreciate her straightforward communication and deep knowledge of Florida lending laws.
10. Pillar Mortgage — 25 Old Kings Rd N, Palm Coast, FL 32137, USA | 5.0 stars (31 reviews) Rounding out the list, Pillar Mortgage sits right on Old Kings Road in Palm Coast and holds a perfect 5.0-star rating from 31 reviews. They’re a smaller shop known for giving every client individual attention, which is ideal for borrowers who want a hands-on, less corporate experience.
When hiring a mortgage broker in Palm Coast, timing matters: the best time to start the process is at least three to four months before you plan to close, especially during the busy spring and summer seasons when rates and inventory fluctuate. Ask each broker for a Loan Estimate within three days of applying—this gives you a clear picture of fees and the interest rate you’re being offered. A fair price for mortgage broker services in this area typically ranges from a 0.5% to 1.5% origination fee, so don’t hesitate to compare two or three of the brokers on this list to see who offers the best combination of cost and service.