We specialize in fast closings and say "Yes" when others say "No"

Today's Lowest Fixed Rate

5.2%

5.8% APR Fixed Mortgage

TRUSTED PARTNERS

Why choose us for your financing needs

Tailored Solutions for Your Unique Goals

We understand that no two clients are alike. Whether you’re a first-time homebuyer, a seasoned investor, or a business owner looking to expand, we take the time to understand your specific needs. By offering customized loan options and expert guidance, we ensure that you get financing solutions that align with your goals and financial situation.

Fast Approvals, Fast Closings, and Hassle-Free Process (We actually return calls within 24 hours!)

Time is money, and we value yours. Our streamlined application process, coupled with advanced technology and responsive service, allows us to deliver quick approvals without compromising on quality. We take the complexity out of financing so you can focus on what matters most: achieving your dreams.

Unparalleled Expertise and Industry Knowledge

With years of experience in residential and commercial lending, we have the expertise to navigate even the most complex loan scenarios. Whether it’s securing a jumbo loan, a bank statement loan, or financing for your next commercial property, our deep industry knowledge ensures that you’re in trusted hands every step of the way.

Personalized Service Backed by a Trusted Network

We’re not just a lender—we’re your partner in financial success. Our team prides itself on building long-term relationships with our clients. Backed by a network of leading financial institutions, we bring you access to competitive rates and exclusive loan products, all while providing the personalized care of a boutique service.

"We are committed to making your home financing dreams come true. If there is a way we can help a borrower, we will do everything possible to make it happen. It is our goal to make the process of buying your home smooth and simple. With E-sign and E-close the entire loan process has become much faster and convenient for home buyers."

E-sign

Sign all your documents online through your computer or smartphone.

E-close

Sign all your closing documents any where you want as long as long asyou have access to a computer with a webcam.

Low down payment

Our low down payment programs allow you to purchase your home using asmall investment on your part.

Custom Financing

Get the terms you want in order to make your mortgage payment as affordable as possible. Flexible financing terms make things easier and less complicated.

Joseph Correa
Principal Broker/Owner
Finibi Mortgage Inc
NMLS# 1727219

We offer loans for all types of borrowers from low down payment options to foreign borrowers. In addition, we have products that don’t require you to pay mortgage insurance when you finance more than 80% of the purchase price through lender paid MI.

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ADVERTISING DISCLOSURE
Updated 2/1/25

Advertisement : “Rates as low as 5.8% APR* Fixed Mortgage” or “Rates as low as 5.2% / 5.8 APR* Fixed Mortgage “

This offer is applicable to a 15-year fixed mortgage cash out refinance loan. This offer is for only the most creditworthy consumers.

  • The advertised loan is a 15-year fixed mortgage on a rate and term refinance. This loan has a fully amortizing term. There is no prepayment penalty.
  • Assumptions: 
    • Assumes a FICO score of 680+
    • Loan secured by a single-family, owner-occupied home located in Florida. 
    •  
  • Payment Example:
    • Loan Amount: $357,000 (comprised of a $330,000 mortgage balance and $27,000 cash out) based on an 63% LTV (Home Value $560,000)
    • Fixed Interest Rate: 5.250%
    • Annual Percentage Rate: 5.576%
    • Monthly Payment:  $4,241/month for 180 monthly payments of principal and interest, plus taxes and insurance. Actual monthly payment will be higher. 
    • Points: 1.816, Fees: $11,742

See Important Additional Disclosures below.

Important Additional Disclosures

  • freeratefinibi.com is not a lender in any transaction and does not make loans, issue loan commitments or lock rates. All credit decisions, including loan approval, prequalification, and the conditional rates and terms you are offered, are the responsibility of the final lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. 
  • Not all consumers will qualify for the advertised rates and terms, and the advertised rates may only be available to the most creditworthy consumers. For an exact quote, you will be contacted by our preferred mortgage broker.
  • The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any participating lender.