Morningside Mortgage Corporation

Mortgage Broker serving Bay Harbor Islands, FL

About Morningside Mortgage Corporation

Morningside Mortgage, founded in 2005, distinguishes itself through a strong commitment to client best interests and transparent practices. Operating primarily as a mortgage broker, the company prides itself on "The Morningside Difference," a service-first philosophy ensuring clients receive optimal loan solutions with fully disclosed fees. They have built their business on personal and professional referrals, highlighting strong client satisfaction.

The firm leverages extensive relationships with top wholesale mortgage lenders and mainstream banks to secure competitive rates and terms, even challenging established players like Quicken. Morningside Mortgage also provides unique in-house underwriting for private and hard money loans, catering to both residential and commercial properties, particularly throughout South Florida, for property investors and homeowners.

Their diverse product offerings include conventional, non-QM, foreign national, and reverse mortgages, alongside a robust commercial lending portfolio encompassing bank, agency, and private financing. Morningside Mortgage focuses on providing common-sense guidelines and specialized solutions, from first-time homebuyer assistance to complex investor and commercial property financing.

Company Information

Founded: 2005
Lender Type: Mortgage Broker
Headquarters: Bay Harbor Island, FL

Licensed In

FL

Digital Capabilities

Rate Calculator

Home Loan Products

Conventional Loan Programs

Loan Types:
ConventionalRefinanceCash-Out Refinance
Property Types:
Single-Family HomeCondoInvestment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Special Programs:
First-Time HomebuyerLow Down Payment Program
3%
Min Down Payment
95%
Max LTV

Non-Standard & Bank Statement Loans

Loan Types:
Non-QMBank StatementDSCR
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-EmployedInvestor
Income Verification:
Bank StatementNo Income Verification
Special Programs:
Bank Statement ProgramSelf-Employed Program

Foreign National Mortgage

Loan Types:
ConventionalConstruction
Property Types:
CondoInvestment PropertyVacation/Second Home
Occupancy Types:
Investment PropertySecond Home
Special Programs:
Foreign National ProgramNon-Resident Alien Program
35%
Min Down Payment

Reverse Mortgage (HECM)

Loan Types:
Reverse MortgageHELOCHome Equity Loan
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
No Income Verification

Residential Hard Money Loans

Loan Types:
Hard MoneyBridge
Property Types:
Single-Family HomeInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Investor

Commercial Loan Products

Commercial & Multi-Family Loans

Loan Types:
Conventional CRECommercial RefinanceCommercial Construction
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/Warehouse

Private Money & Hard Equity Loans (Commercial)

Loan Types:
Hard Money LoanBridge LoanCommercial RefinanceCommercial Construction
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitality
Industry Focus:
Restaurants

FHA Commercial Financing

Loan Types:
Conventional CRECommercial Refinance
Property Types:
Healthcare
Industry Focus:
Healthcare

SBA Loans

Loan Types:
SBA 7(a)

Contact Information

9630 E Bay Harbor Dr
Bay Harbor Islands, FL 33154
US
Mailing Address:
9630 E. Bay Harbor Drive Bay Harbor Island, Florida 33154

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Business Information

Category: Mortgage Broker
Location: Bay Harbor Islands, FL
Status: Standard
Founded: 2005
Type: Mortgage Broker
NMLS ID: 375661
Profile Views: 2

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