Florida Mortgage BrokerWholesale Rates, Fast Pre-Approvals.
Distinctive Mortgage, NMLS #2549384. Purchase, refinance, FHA, VA, jumbo, and bank-statement loans — with a human who answers the phone.
Distinctive Mortgage (NMLS #2549384) is a mortgage broker in Lake Worth, Florida offering conventional, FHA, VA, jumbo, and bank-statement loans — with wholesale rates, fast pre-approvals, and a local loan officer who answers the phone across Florida and Georgia.
Fast, Simple, Transparent
Get Pre-Approved
Quick online application. Get your approval letter in minutes, not days.
Find Your Home
Shop with confidence knowing exactly what you can afford.
Lock Your Rate
Secure your rate and upload documents through our secure portal.
Close On Time
We'll be there every step of the way.
Archie Grant
Broker Owner
NMLS #385264
A Florida brokerage built on transparency and local expertise.
Distinctive Mortgage was founded with a simple belief: borrowers deserve a mortgage experience that's honest, personal, and local. As a Florida-licensed mortgage brokerage — not a single bank — we shop your loan across a network of wholesale lenders to find the program with the best rate and terms for your situation. One application, real comparisons, and a loan officer who picks up the phone.
Archie Grant, Broker Owner (NMLS #385264), has spent years helping Florida families finance their homes across Palm Beach, Broward, and Miami-Dade counties. From first-time buyers in West Palm Beach to refinances in Fort Lauderdale, his approach is the same: run the numbers, explain the tradeoffs in plain English, and never push a product that isn't the right fit.
Why work with a broker instead of a bank?
- We shop your loan across a network of wholesale lenders — not just one bank's products.
- You see real side-by-side rate and term comparisons instead of a single offer.
- Our loan officers are local to Florida and answer the phone when you call.
- Wholesale pricing often beats the retail rate your bank would quote you directly.
Mortgage Solutions for Every Goal.
We offer a full suite of loan products tailored to the Florida market and your unique financial situation.
Home Purchase
First-time buyer or upgrading? We find the best purchase loans with competitive down payment options.
- Down payments as low as 3%
- First-time buyer programs
- Competitive interest rates
Refinancing
Lower your monthly payment or pull cash out for home improvements with our streamlined refi process.
- Lower your monthly payment
- Cash-out for home improvements
- Shorten your loan term
HELOC
Tap into your home's equity with a flexible line of credit. Use it for renovations, debt consolidation, or any major expense — on your schedule.
- Tap into your home's equity
- Interest-only payment options
- Use for renovations or debt
Learning Center
Free tools and resources to help you make informed decisions about your mortgage.
Mortgage Calculator
Estimate your monthly payments, taxes, and insurance.
First-Time Homebuyer Guide
Everything you need to know before buying your first home.
Refinance Checklist
Find out if refinancing makes sense for your current situation.
What Our Clients Say.
Real 5-star Google Reviews from homeowners who saved time and money with Distinctive Mortgage.
"The team was absolutely amazing! Their integrity and clarity made the entire loan process seamless. From the start, they gave their word, explained each step in detail, and even taught me things to better understand my mortgage."
Kristen Sherman
Local Guide
"The team was awesome. Everything went smooth and quick with my new home purchase. They were able to secure a great interest rate, assist with home insurance, and they answered all of my questions timely. I will use them and recommend them in the future for sure."
Sara Craig
7 reviews
"The team was great to work with! They were extremely informative and were able to answer not just questions about my mortgage, but also general questions about home buying and home selling in general. We are 100% happy with our purchase and the mortgage selection process."
Brooke Laggner
3 reviews
"This team has it going on! We bought a house in Florida and never left Ohio. It wasn't perfect but they were there whenever we needed them. And the rest of the team were awesome. Highly recommend!"
Faith Shaw-Linn
Local Guide
"The team was amazing and very helpful through the whole process. I would highly recommend them to anyone looking for a mortgage in Florida. They made everything easy to understand and were always available."
Tina M.
5 reviews
"The team is the best! They made the process so easy and fast. We were able to close on our home ahead of schedule. Professional, friendly, and expert guidance throughout."
Michael S.
Local Guide
"The team was absolutely amazing! Their integrity and clarity made the entire loan process seamless. From the start, they gave their word, explained each step in detail, and even taught me things to better understand my mortgage."
Kristen Sherman
Local Guide
"The team was awesome. Everything went smooth and quick with my new home purchase. They were able to secure a great interest rate, assist with home insurance, and they answered all of my questions timely. I will use them and recommend them in the future for sure."
Sara Craig
7 reviews
"The team was great to work with! They were extremely informative and were able to answer not just questions about my mortgage, but also general questions about home buying and home selling in general. We are 100% happy with our purchase and the mortgage selection process."
Brooke Laggner
3 reviews
"This team has it going on! We bought a house in Florida and never left Ohio. It wasn't perfect but they were there whenever we needed them. And the rest of the team were awesome. Highly recommend!"
Faith Shaw-Linn
Local Guide
"The team was amazing and very helpful through the whole process. I would highly recommend them to anyone looking for a mortgage in Florida. They made everything easy to understand and were always available."
Tina M.
5 reviews
"The team is the best! They made the process so easy and fast. We were able to close on our home ahead of schedule. Professional, friendly, and expert guidance throughout."
Michael S.
Local Guide
Ready to Lock in Your Florida Dream?
Get your free rate quote in under 5 minutes. No commitment, no hidden fees, just honest local advice.
Get in Touch.
Have questions about the Florida mortgage market? Our local experts are ready to help you navigate the process with ease.
Call Us
+1 561 717 5790Email Us
Info@distinctivemtg.comVisit Us
8461 Lake Worth Rd, Ste 244
Lake Worth, FL 33467
Hours
Mon-Fri: 9:00 AM - 5:00 PM
Available by appointment on weekends
Common Questions.
Everything you need to know about getting a mortgage in Florida.