Top 3 Mortgage Lenders in Key Colony Beach

Ocean Bank has been serving the Florida Keys community for decades with a strong local presence in Marathon, just minutes from Key Colony Beach. As a community-focused bank, they offer personalized mortgage services with competitive rates and deep understanding of Florida Keys real estate. Their mortgage team specializes in both primary residences and vacation/investment properties common in the Keys market, with particular expertise in coastal property financing and flood insurance requirements unique to barrier island communities.

As a locally owned and operated mortgage brokerage, Keys Mortgage Services has built an exceptional reputation throughout the Middle Keys, including Key Colony Beach. They offer access to multiple lenders and loan programs, providing competitive rates and flexible terms. Their deep local knowledge includes understanding of elevation certificates, wind mitigation, and coastal construction requirements specific to the Florida Keys. Customers consistently praise their responsive communication and ability to navigate complex waterfront property transactions.

Supreme Lending maintains a dedicated Florida Keys branch that serves Key Colony Beach and the entire Middle Keys region. As a national mortgage company with strong local presence, they combine the resources of a large lender with personalized service from local loan officers who understand the unique aspects of Keys real estate. They excel at handling complex transactions including second homes, investment properties, and construction loans, with particular expertise in navigating the specialized insurance and regulatory requirements of coastal Florida communities.