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.
“Excellent experience and really working to make sure that the deal is beneficial to the customer.”
Desiree DeLisser Elliott
Local Guide · 165 reviews
Winsgton Calderon
“Was a incredible experience make a bussines with a personnel so much professional, thanks a lot”
Vashon Davis
“Archie was able to get me a great interest rate for me to be able to close on my house. Great service was provided and he made sure i understood the process. Thank you”
Dunyea Grant
“Excellent, hassle-free service. Made the process easy and highly recommend!”
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.