Top 3 Mortgage Lenders in Key West

First State Bank of the Florida Keys is the premier local community bank serving the Keys for over 65 years. They have deep roots in the Key West community and specialize in understanding the unique real estate market of the Florida Keys. Their mortgage team provides personalized service with local underwriting decisions, making them exceptionally responsive for complex waterfront properties and unique Keys housing situations. Customers consistently praise their knowledgeable staff, competitive rates, and understanding of local market conditions.

AmeriFirst Home Mortgage has been serving Florida homebuyers for nearly 40 years with a strong presence in Key West. They are known for their extensive loan programs and excellent customer service, particularly for first-time homebuyers and military families. Their local Key West office provides face-to-face service with digital convenience, offering competitive rates and flexible terms. Reviewers highlight their responsive communication, smooth closing processes, and expertise in handling the unique aspects of Keys property financing.

As America's largest mortgage lender, Rocket Mortgage brings extensive resources and competitive pricing to Key West homebuyers. While operating nationally, they have dedicated Florida mortgage specialists familiar with the state's specific requirements and the unique aspects of Keys properties. Their digital-first approach provides speed and convenience while maintaining personal support throughout the process. Customers consistently praise their efficient online application, competitive rate locking, and reliable closing timelines, making them an excellent choice for tech-savvy borrowers in the Key West market.