Top 3 Mortgage Lenders in Tavernier

Keys Mortgage is a highly-rated local mortgage broker deeply embedded in the Florida Keys community. With over two decades of experience specializing in Keys real estate, they understand the unique challenges of waterfront properties, flood zones, and the local market. Their exceptional 4.9-star rating reflects outstanding customer service and expertise in navigating complex waterfront financing. As a local broker, they have access to multiple lenders and can often secure more favorable terms than direct lenders.

As the only locally headquartered community bank serving the Florida Keys, First State Bank has deep roots in Tavernier and surrounding communities. With 28 years of experience, they offer personalized service and understand the unique aspects of Keys property financing, including elevation requirements and coastal construction. Their local underwriting and decision-making process allows for more flexibility than national banks. Customers consistently praise their knowledgeable staff and commitment to the local community.

Fairway Independent Mortgage's Key Largo branch serves Tavernier with national lending power combined with local expertise. As one of the largest independent mortgage companies in the U.S., they offer competitive rates and a wide variety of loan products. Their local loan officers have extensive experience with Florida Keys properties and understand the specific requirements of coastal living. The company maintains high customer satisfaction ratings and has won multiple industry awards for service excellence and customer care.