Business Details
Your Trusted Mortgage Partner in Ocala, FL
Black Rock Mortgage is a Florida-based mortgage brokerage dedicated to helping clients achieve homeownership through personalized solutions. With over 12 years of experience, our team specializes in conventional, FHA, VA, USDA, and reverse mortgage programs, leveraging advanced technology to streamline the loan process. We prioritize customer service, offering 24/7 support and transparent communication throughout every transaction. Our expertise extends to unique financing options like DSCR loans, manufactured home financing, and self-employed mortgage programs.Backed by a network of 200+ wholesale lenders, we secure competitive rates while maintaining a local touch in Ocala and St. Augustine. Our commitment to innovation includes AI-driven tools for efficient loan processing and client education. Recognized by clients for our professionalism and problem-solving approach, we serve borrowers statewide through digital platforms and in-person consultations. Whether purchasing, refinancing, or accessing home equity, our goal is to make mortgage financing accessible and stress-free.
Services
Conventional Financing
FHA Loans
VA Mortgages
USDA Financing
Reverse Mortgages
DSCR Loans
Manufactured Home Loans
Self-Employed Mortgages
Construction Loans
Jumbo Loans
Highlights and features
- We offer 12+ years of mortgage expertise with specialized programs for diverse needs
- Our AI-driven technology streamlines loan processing while maintaining personal service
- We provide access to 200+ wholesale lenders for competitive rate comparisons
- Our team includes NMLS-certified professionals with proven problem-solving capabilities
- We guarantee 24-hour pre-approvals and transparent communication throughout transactions
What people say
Exceptional communication
Professional team
Quick approvals
Stress-free process
Knowledgeable staff
Services
Conventional Financing
Flexible conventional loans with down payments as low as 3% for primary residences. Eliminate PMI with 20% down while accessing competitive rates. Ideal for borrowers with strong credit seeking customizable terms up to $806,500 in most counties.
FHA Loans
Low-down-payment FHA mortgages requiring only 3.5% with credit scores as low as 580. Includes seller concessions up to 6% and lenient debt ratio requirements up to 56%. Perfect for first-time buyers and those rebuilding credit.
VA Mortgages
Zero-down-payment VA loans for military members with no monthly mortgage insurance. Offers flexible credit requirements starting at 500 FICO and seller concessions up to 4%. Includes second-tier financing options for new primary residences.
USDA Financing
100% financing for rural properties with income limits up to $146,050. Features 1% funding fee and 0.35% monthly mortgage insurance. Allows closing cost financing if home appraises above purchase price.
DSCR Loans
Non-traditional loans for real estate investors using rental income to qualify. Requires 20% down with no personal income verification. Ideal for expanding property portfolios without tax return scrutiny.
People
Keith Meredith
Mortgage Loan Originator
12-year mortgage industry veteran with NMLS ID 303217. Specializes in FHA, VA, and USDA programs. Creates educational content on mortgage guidelines while leading loan originations and client relations.
Shawna Delcastillo
Lead Loan Officer Assistant
Experienced mortgage professional managing loan processing and client communication. Coordinates transactions from application to closing while maintaining title and insurance expertise.
Amanda Simmons
Third Party Processor
Skilled mortgage processor handling document verification and underwriting coordination. Provides weekend and evening support to ensure timely loan closings across Florida markets.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, VA, USDA, reverse mortgages, DSCR loans, and specialized programs for self-employed borrowers and manufactured homes.
How quickly can I get pre-approved?
Most pre-approvals are completed within 24 hours after submitting your application and credit authorization.
Do you offer jumbo loans?
Yes, we offer jumbo loan options for properties exceeding standard conforming loan limits.
Can I use a gift for my down payment?
FHA loans allow gifted funds with proper documentation. Conventional loans may permit gifts depending on loan-to-value ratio.
What areas do you service?
We operate statewide in Florida with primary offices in Ocala and St. Augustine, serving clients through digital platforms across the state.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs including FHA, USDA, and Florida's Hometown Heroes Mortgage Program.
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