Mary Cables
A clear, confident mortgage experience for homebuyers and homeowners across Florida’s Space Coast.
Buying or refinancing a home should feel organized, transparent, and under control. Mary helps you understand your options, prepare with confidence, and move through the mortgage process with steady communication from application to closing.
- VA, Conventional, Jumbo, and refinance guidance
- Local insight for Brevard County buyers and homeowners
- Clear communication from pre-approval to closing
- Backed by Morgan Financial’s Fast. Enjoyable. Consistent. process
Equal Housing Lender. Subject to credit approval. Not a commitment to lend.
Contact Mary
Phone: 321-417-0271
Email: Mary@morganfinancial.net
NMLS: NMLS# 1684545
Office: Melbourne, FL / Cocoa Beach, FL
Local Space Coast Expertise
Guidance rooted in Brevard County market knowledge, from Melbourne and Viera to Cocoa Beach and Palm Bay.
Clear Communication
Know where your loan stands, what comes next, and what we need from you.
Strong Pre-Approval Process
A thoughtful review helps you shop with confidence and make stronger offers.
VA Loan Experience
Helpful guidance for veterans, active-duty service members, and eligible surviving spouses.
Meet Mary Cables
Mary Cables is a proud Brevard County native who brings 16 years of experience in the mortgage industry. Her deep local roots and years of professional knowledge allow her to connect with clients in a meaningful way while helping them navigate the home financing process with confidence.
Outside of her career, Mary’s greatest joy is her family. She and her husband have been together for over 24 years. Together, they have a 21-year-old daughter and 13-year-old twins, along with three much-loved dogs: Murphy, their Goldendoodle, and two Bull Terriers, Obie and Monroe.
When she is not working, Mary enjoys spending time outdoors and soaking in the natural beauty of the Space Coast. She loves gardening, taking walks on the beach, watching sea turtles, riding bikes, and enjoying peaceful sunrise and sunset walks.
Mortgage Options Mary Can Help You Explore
Every buyer’s situation is different. Mary will help you compare loan options, understand the tradeoffs, and choose a path that fits your goals.
VA Home Loans
For eligible veterans, active-duty service members, and surviving spouses looking to use the benefits they earned.
Conventional Loans
A strong option for many buyers with established credit, stable income, and flexible down payment goals.
Jumbo Loans
Financing guidance for higher-value homes, waterfront properties, and luxury purchases across the Space Coast.
Refinance Options
Review rate-and-term, cash-out, and VA IRRRL options to see whether refinancing supports your long-term plan.
A Mortgage Process Built for Clarity
Connect
Tell us about your goals, timeline, property type, and questions.
Review
We look at your income, credit, assets, and loan options so you understand what is possible.
Get Pre-Approved
Shop with a clearer budget and stronger financing position.
Contract to Closing
Our team coordinates processing, underwriting, appraisal, title, and final conditions.
Close With Confidence
Know what to expect before signing day so the final step feels smooth and organized.
Local Mortgage Guidance for the Space Coast
Florida home financing is local. Insurance, property taxes, appraisal nuances, coastal property considerations, condo requirements, and closing timelines can all affect your experience.
Areas Mary Serves
- Anywhere in the State of Florida
- Melbourne, Viera, Indialantic, and Melbourne Beach
- Satellite Beach, Indian Harbour Beach, and Palm Bay
- Titusville, Cocoa, Cocoa Beach, Mims, and Sebastian
What Clients Say About Working With Mary
“There is a REASON Morgan Financial is 5 Stars!! I believe every review that was written about them. My realtor told me that Mary and Jasmine from Morgan were going to take care of me 100%. They are the most friendly and competent financial team you will find!! Guidance thru every step and willing to repeat instructions if necessary. This is my first home purchase and they handled everything including the VA portion like complete pros!”
“Mary and Jasmine were absolutely amazing to work with! They made the home-buying process feel smooth, simple, and stress-free from start to finish. Their professionalism, guidance, and attention to detail truly stood out. I will gladly recommend them to anyone looking to purchase a new home.”
A Reliable Lending Partner for Real Estate Agents
Listing agents and buyer’s agents need a lending partner who communicates, sets expectations, and keeps the transaction moving. Mary works to provide timely updates, clear next steps, and a professional experience for both the client and the agent.
Partner Benefits
- Pre-approval conversations that help buyers shop responsibly
- Proactive updates during the contract-to-close process
- Local reputation and accountability
- A team approach designed to protect closing timelines
Frequently Asked Questions
How do I start the mortgage process with Mary?
Start by applying online or scheduling a call. Mary will review your goals, timeline, and available loan options so you know what to expect.
What documents should I prepare?
Common items include recent pay stubs, W-2s or tax returns, bank statements, photo ID, and any property or refinance details. The exact list depends on your loan type and situation.
Can Mary help with VA loans?
Yes. Morgan Financial has a strong focus on VA homebuyers and helps eligible borrowers understand their benefits, Certificate of Eligibility, and loan options.
Do I need to know which loan program I want before applying?
No. That is part of the conversation. Mary can help you compare options such as VA, Conventional, Jumbo, or refinance programs.
Does getting pre-approved guarantee final loan approval?
No. Pre-approval is based on an initial review and is subject to underwriting, property approval, credit approval, and final loan conditions.
Ready to Take the Next Step?
Whether you are buying, refinancing, or just trying to understand your options, Mary Cables is here to help you move forward with confidence.
Equal Housing Lender. Subject to credit approval. Not a commitment to lend. Loan programs, rates, terms, and conditions are subject to change without notice.