Experience The
Morgan Financial Way
Making Mortgages Fast, Enjoyable, and Consistent Since 2002
Fast Closings
competitive Rates
Clear Communication
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What Our Clients Say About Us
Free Loan Consultations
Consistent & reliable Communication
Industry-Leading Approval Times
Real People With Real Solutions
Frequently Asked Questions
Start with a Secured Approval Letter, where our underwriters review your file upfront. This gives you stronger buying power. Our process is fast and fully in-house, getting you to the closing table smoothly.
Yes! VA loans require zero down, and first-time buyer programs start at 3% down. We also help structure closing costs to minimize out-of-pocket expenses.
Our loan officers focus on custom solutions that fit your goals, not just the lowest rate. We provide side-by-side comparisons to help you choose the best option based on payment, cash-to-close, and future savings.
We’re the Home of the 10 Day Clear to Close—meaning once you’re under contract, we fully approve loans in 10 days or less on average. With our streamlined process, preapproved clients can confidently write contracts for 30-day closings.
Online lenders can delay or even fail to close on time. We have entire team in-house, communicate clearly, and move quickly to ensure your loan closes smoothly and on time—giving you and your agent confidence.
We’re fully in-house, meaning our underwriters, processors, and closers work together for faster approvals and smooth closings. As the Home of the 10 Day, we get loans fully approved in 10 days or less on average.
A higher credit score gets you better rates and loan options. We work with buyers across all credit ranges and help improve scores when needed. Most loans require 620+.
Your budget depends on income, debts, and loan type. We offer a full approval review upfront, so you know your exact price range before house hunting.
With our fully in-house process, we issue Secured Approval Letters within 1-2 business days. Just reach out and get your documents to us quickly, and we’ll take care of the rest to get you pre-approved fast.
Unlike standard pre-approvals, our Secured Approval Letter means an underwriter has already reviewed your documents, making your offer stronger and reducing surprises during closing.
Refinancing can help you lower your rate and payment or tap into your home equity for cash. Whether you’re looking to save money each month or access funds for other financial goals, our experts can review your situation and help you decide if refinancing is the right move for you.
A VA Interest Rate Reduction Refinance Loan (IRRRL) is a streamlined refinance for VA homeowners. No appraisal, no income verification, and minimal paperwork—just a simple way to lower your rate and payment.
About Us
Morgan Financial is a full-service mortgage lender committed to creating an environment where homeowners, real estate agents, and builders can prosper. We achieve this by delivering a mortgage experience that is fast, enjoyable, and consistent—every time. Since 2002, we’ve built a reputation as Brevard County’s trusted lender, providing expert guidance, in-house underwriting, and a seamless process to help thousands secure the right home loan.