Magic Mortgage Usa

Magic Mortgage USA is a mortgage broker founded in 2021 by owner/broker Terry L. Montcalm, who brings over two decades of experience in the lending industry. Based in Largo, FL, the company prides itself on a "common sense" approach to lending, avoiding rigid banking formulas to provide personalized solutions for clients seeking to purchase or refinance their homes.

As a broker, Magic Mortgage USA leverages an extensive network of "A" rated lenders and private "hardship" lenders, enabling them to shop for competitive rates across a wide spectrum of loan programs. Their offerings include conventional, FHA, VA, jumbo, HELOC, reverse mortgages, and flexible options for first-time homebuyers and investors. They also cater to borrowers with non-traditional income documentation needs, including "no document" and "bank statement" loan solutions.

The company combines modern digital capabilities like online applications and secure mobile document uploads with a commitment to old-fashioned customer service and local market expertise. This hybrid approach ensures fast processing and a hassle-free funding experience. Magic Mortgage USA's dedication to individual customer needs and their comprehensive loan offerings aim to guide clients confidently through the mortgage process.