Florida Mortgage Lender —
Putting the People We Serve First
Get pre-approved in minutes with no credit check. Conventional, FHA, VA, Jumbo & Commercial loans across Orlando, Tampa, Miami and all of Florida.
500+
Loans Closed
30+
Florida Cities
4.9★
Client Rating
15+
Years Experience
Why Choose Beacon Mortgage?
We have built a strong reputation as an outstanding mortgage lending firm, serving the lending needs of real estate professionals, builders, and individual home buyers throughout the United States.
We're a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan — with the great rates, terms and costs — to meet your unique needs. But that's just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.
And, now it's our pleasure to offer all of our exceptional mortgage services online. Through us you not only have access to the multitude of loan options available in the marketplace, but you can also review loan alternatives, and even apply for your loan, at your convenience, online — 24 hours a day.
We look forward to putting our mortgage service to work for you!
— Ralph DiScullo, Licensed Mortgage Loan Originator, NMLS #1630385
What Mortgage Home Purchase Loans Are Available?
Choosing a purchase loan product that matches your goals doesn't have to be stressful. We're here to guide you every step of the way.
Beacon Mortgage by the Numbers — 2026 Data
Based on internal loan origination data, January–July 2026
21 Days
Average Close Time
vs. 44-day industry avg
97.2%
Loan Approval Rate
Pre-qualified applicants
$412K
Avg Loan Amount
Florida purchases 2026
4.9/5
Client Satisfaction
500+ verified reviews
How Does the Home Purchase Loan Process Work?
Pre-Qualification
Complete our simple mortgage Pre‑Qualification Letter Request
Receive Options
Receive options based on your unique criteria and scenario
Compare Rates
Compare mortgage interest rates and terms
Choose Your Loan
Choose the offer that best fits your needs
What Our Clients Say
“Beacon Mortgage made the entire process seamless. Ralph and his team were responsive, knowledgeable, and truly cared about finding us the best rate. We closed on time with zero stress!”
Maria G.
Orlando, FL
“As first-time homebuyers we were nervous, but Beacon walked us through every step. The pre-qualification was fast and the communication throughout was outstanding.”
James & Sarah T.
Winter Garden, FL
“I've refinanced twice with Beacon Mortgage. Their rates are competitive and the turnaround time is impressive. Highly recommend to anyone in Florida looking for a mortgage lender.”
David R.
Tampa, FL
How to Get Pre-Approved in Minutes
Ralph DiScullo explains the Beacon Mortgage pre-approval process — from application to closing in as few as 21 days.
4-Step Process, 21-Day Close
Pre-qualify online in minutes with no credit impact. Our in-house team handles processing and underwriting — cutting your close time in half compared to the industry average.
Where Does Beacon Mortgage Serve in Florida?
From Orlando to Miami, Tampa to Jacksonville — Beacon Mortgage provides expert home financing across 30+ Florida cities. Click your city to explore loan options and local market data.
Estimate Your Payment
Mortgage Calculator
Estimated Monthly Payment
$1,816.07
Loan amount: $280,000 · 30-year term at 6.75%
Frequently Asked Questions
- How do I apply for a mortgage in Florida?
- Apply online at mybeaconmortgage.com/apply, call (407) 718-2223, or visit our Winter Garden office at 13340 West Colonial Dr. Suite 240. Pre-qualification takes minutes with no credit impact and no obligation.
- What are the FHA loan requirements in Florida?
- FHA loans in Florida require a minimum credit score of 580 (3.5% down) or 500 (10% down), a debt-to-income ratio under 43%, and the home must be your primary residence. Beacon Mortgage specializes in FHA loans for first-time buyers across all of Florida.
- How do I refinance a mortgage in Florida?
- To refinance in Florida, you need at least 10-20% equity, a credit score of 620+, and proof of income. Beacon Mortgage offers rate-and-term refinance, cash-out refinance, and streamline options. Call (407) 718-2223 for today's rates.
- What are the VA home loan benefits in Florida?
- VA loans offer zero down payment, no PMI, competitive rates, and flexible credit requirements for veterans, active-duty service members, and eligible spouses. Florida has one of the largest veteran populations, and Beacon Mortgage has closed hundreds of VA loans statewide.
- What types of mortgage loans does Beacon Mortgage offer?
- We offer Conventional, FHA, VA, Jumbo, USDA, Refinance, HELOC, Reverse Mortgage, Commercial Real Estate, SBA, Bridge, and Construction loans for buyers, investors, and business owners across 30+ Florida cities.
- How fast can Beacon Mortgage close a loan?
- We average a 21-day close — significantly faster than the 44-day industry average — thanks to in-house processing and underwriting.
Popular Mortgage Programs in Florida
Contact Us
Ready to take the next step? Reach out today and let's discuss your mortgage options.
(407) 718‑2223
13340 West Colonial Dr. Suite 240, Winter Garden, FL 34787