Top 3 Mortgage Lenders in Key Largo

As the premier local financial institution serving the Florida Keys for over 70 years, Keys Federal Credit Union offers exceptional mortgage services with deep community roots. Their mortgage specialists have extensive knowledge of the unique Key Largo and Florida Keys real estate market, including waterfront properties and hurricane-resistant construction requirements. Members benefit from competitive rates, personalized service, and the credit union's not-for-profit structure that often results in lower fees. Their local underwriting and decision-making process allows for faster approvals and more flexible consideration of unique property situations common in the Keys.

Paramount Bank Mortgage has built an outstanding reputation throughout South Florida, including strong service to the Florida Keys market. With over two decades of experience, they specialize in both primary residence and investment property financing in coastal communities. Their team excels at handling the unique challenges of Keys properties, including flood zone requirements, older construction, and vacation rental income considerations. Customers consistently praise their responsive communication, efficient processing, and ability to close complex loans on schedule. Their Miami location provides convenient access while maintaining expertise in the Keys market.

Wells Fargo maintains a strong physical presence in the Florida Keys with their Islamorada branch conveniently serving Key Largo residents. As one of the nation's largest mortgage lenders with nearly two centuries of experience, they offer competitive rates, extensive loan programs, and digital mortgage tools. Their local mortgage consultants have specialized knowledge of Monroe County property requirements and can navigate the unique aspects of Keys real estate transactions. Wells Fargo's scale allows for efficient processing and a wide range of conventional and government-backed loan options, making them a reliable choice for both first-time homebuyers and experienced investors in the Key Largo market.