Faster closings. Competitive Florida rates. Coordinated communication between your transaction team and your lender. Your clients win — and you do too.
External lenders are common — and they often work fine. But when your buyer's lender is on a different timezone, doesn't return emails until Monday, and never talks to your title company, even simple closings get hard. An in-house mortgage broker fixes that.
Pre-approvals issued in 24–48 hours. Underwriting communicates directly with your transaction coordinator. Most deals close 5–10 days faster.
Your transaction coordinator can reach the loan officer directly. No phone tag, no "we never got that email."
Gromadzki Mortgage works with multiple wholesale lenders. We price-shop every loan so your buyer sees real options.
Stronger pre-approvals mean stronger offers. In hot Florida markets, sellers reject conditional pre-quals every day.
Conventional, FHA, VA, jumbo, second-home, investment property, and bank-statement programs.
RESPA requires us to be clear: using Gromadzki Mortgage is always your client's choice. We compete on speed and service, not on requirements.
Six core loan products covering nearly every Florida transaction scenario. Final rates depend on borrower credit, down payment, and market conditions on the day of lock.
The standard mortgage product for most buyers — best rates for strong credit with 20%+ down.
Government-backed loan ideal for first-time buyers. Common in Homestead, Jacksonville, Port St. Lucie.
For eligible veterans, active-duty, and surviving spouses. Common in Jacksonville and Pensacola.
For luxury transactions in Miami, Naples, Palm Beach, Boca Raton, and similar markets.
For 1–4 unit rental properties, vacation rentals, and STRs. DSCR programs available.
For self-employed buyers who write off enough to make their tax returns unfriendly to lenders.
The process is straightforward for both agents and their clients. Most transactions move from pre-approval to closing in 30–45 days.
Your client connects with a loan officer. Initial conversation covers goals, timeline, and which loan product fits best — no hard pull yet.
Application submitted, income and credit reviewed, underwriter-stamped pre-approval letter issued in 24–48 hours.
Full underwriting, appraisal, and title coordination begin. Your TC and the loan officer communicate directly — no relay race.
Final conditions cleared, closing disclosure issued, deal closes — typically 5–10 days faster than uncoordinated external financing.
An in-house mortgage broker isn't just a convenience — it's a competitive advantage that helps you win listings, close faster, and reduce the dreaded "lender problem" that kills deals.
| Scenario | External Lender | Gromadzki Mortgage |
|---|---|---|
| Pre-approval issued in | 3–10 days | 24–48 hours |
| Communication with TC | Hit or miss | Direct, same-system |
| Underwriter-reviewed pre-approvals | Rare | Standard |
| Surprise conditions at closing | Common | Rare |
| Average close time | 40–55 days | 30–45 days |
Gromadzki Mortgage is an affiliated business of Gromadzki Real Estate. Federal law (RESPA Section 8) requires that we disclose this affiliation in writing to consumers before any referral occurs — and we do, in every transaction.
Using Gromadzki Mortgage is always your client's choice. They are free to use any licensed mortgage broker or lender they prefer. We don't pay agents for referrals and don't penalize agents whose clients use outside lenders.
This is a marketing summary. The official Affiliated Business Arrangement Disclosure is provided to consumers at the time of referral.
Gromadzki Mortgage is the in-house mortgage broker division of Gromadzki Real Estate, serving Florida agents and their clients with faster closings, competitive rates, and same-team communication. Editable here in wp-admin — content from this editor appears between the standard sections of the mortgage page template.
If you're a Gromadzki Real Estate agent, your in-house mortgage loan officer is one introduction away. Submit your client's info and we'll be in touch within 24 hours.
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