About us
Beyond The Expected.
Unreal Mortgage is a veteran-owned, independent mortgage brokerage built around one simple idea: the mortgage experience should be better.
Our story
Unreal Mortgage is the next chapter of a team that spent years building one of Northeast Florida's leading independent brokerages. When the franchise that helped us get our start closed in 2026, we took everything we had learned and built and started fresh under our own name. We're local. We're independent. And we're committed to delivering an experience that goes Beyond the Expected.
Our team
Our loan originators bring more than 25 years of combined mortgage experience, backed by a reputation built on knowledge, reliability, communication, and getting deals to the closing table. We take pride in having a team that understands this business, knows how to navigate complex scenarios, and genuinely cares about the people we work with.
Our expertise
From conventional, FHA, VA, USDA and jumbo loans to construction financing, refinancing, HELOCs, and DSCR investment loans in more than 40 states, we have the experience and resources to find the right solution — whether you're buying, building, refinancing, or investing.
1
Veteran-owned
Founded by a U.S. Air Force veteran. Discipline, follow-through, and straight answers come with the territory.
2
Independent
We're a brokerage, not a bank — we shop your scenario across lenders and bring the fit back to you.
3
Local
Based in Palm Coast and serving all of Florida, with investor financing available across the country.