Palm Ridge Mortgage

A mortgage is the one part of a move that can hold everything else up. This is the part I take off your hands.

Wendell Boyd has arranged home loans in Florida for nineteen years, through the good years and the bad ones. He is a broker, not a bank, so he is not tied to one lender's rule book - he takes your situation to the lenders most likely to say yes to it, and he tells you early if the answer is going to be no. Most of his work comes from people who were sent to him by somebody he already looked after.

Who runs it

He answers his own telephone. When you call about your loan, you speak to the man arranging it, not to a call center queue and not to a different person each time.

He will tell you plainly when a purchase does not work. A buyer who is stretched too thin is a buyer in trouble two years later, and he would rather lose the business than put somebody in that position.

What they do

• 01
  Buying a home

  The whole process from the first conversation to the day you get the keys, with the paperwork chased for you rather than by you.

• 02
  Refinancing

  A look at whether changing your existing loan actually helps you, and a straight answer when it does not.

• 03
  First-time buyers

  Explained from the beginning, in plain words, with nobody made to feel foolish for asking what a term means.

• 04
  Self-employed and business owners

  Income that does not fit a standard form, presented to lenders who understand how a real business looks on paper.

• 05
  Buying from out of state

  For people still living somewhere else, with everything arranged at a distance and nothing needing a trip to sign.

• 06
  Investment and second homes

  Financing for a property that is not your main home, with the different rules explained before you commit to anything.

Who it does not suit