Business Details
Your Trusted Mortgage Partner in Ocala, FL
Black Rock Mortgage, a division of Coast 2 Coast Mortgage, has been dedicated to providing comprehensive mortgage solutions since its inception. Based in Ocala, Florida, the company serves clients across the state and beyond through innovative technology and personalized service. With a focus on accessibility, the team specializes in a wide range of loan programs, including FHA, VA, USDA, conventional, and reverse mortgages, catering to diverse financial needs.Their commitment to leveraging advanced AI technology ensures efficient loan processing while maintaining a client-centric approach. The company prides itself on problem-solving expertise, transparent communication, and a team of seasoned professionals dedicated to making homeownership achievable for all borrowers.
Services
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Reverse Mortgages
Refinance Options
Manufactured Home Financing
DSCR Loans
Jumbo Loans
Construction Loans
Highlights and features
- We offer access to 200+ wholesale lenders for competitive mortgage rates.
- Our team utilizes AI technology for efficient and secure loan processing.
- We provide personalized mortgage solutions for all borrower types.
- We guarantee 24/7 customer support throughout the loan process.
- Our underwriters use a common-sense approach to complex applications.
What people say
Quick and professional service
Knowledgeable in specialized mortgages
Stress-free closing process
Excellent communication
Personalized guidance
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with as little as 3.5% down and flexible credit requirements. Ideal for first-time buyers, these loans allow non-occupant co-borrowers and documented gift funds for down payments. Our team guides clients through qualification, leveraging FHA's lenient debt-to-income ratio policies to maximize borrowing potential.
USDA Loans
USDA loans enable rural homebuyers to purchase properties with no down payment and competitive rates. Eligibility depends on property location and household income limits, with options for applicants near income thresholds. We assist clients in verifying property eligibility and navigating income deductions to qualify for this zero-down program.
VA Loans
VA loans offer military veterans $0 down payment options and no monthly mortgage insurance. Our specialists streamline the process by guiding clients through certificate of eligibility requirements and leveraging VA's unique benefits for primary residences and second homes. We handle nuances like funding fees and entitlement reuse for seamless transactions.
Reverse Mortgages
Reverse mortgages provide seniors over 62 with tax-free funds based on home equity. Available for purchase or refinance, these loans eliminate monthly payments while allowing homeowners to retain title. Our experts explain eligibility criteria, payment options, and how these loans impact estate planning for informed decisions.
DSCR Loans
DSCR loans evaluate rental income instead of personal income, making them ideal for real estate investors. With 20% down, borrowers can acquire income-producing properties without tax return verification. We help clients structure portfolios using this non-traditional financing, focusing on debt service coverage ratios to qualify for multiple properties.
People
Keith Meredith
President
Keith Meredith, President of Black Rock Mortgage, brings decades of mortgage expertise to Florida homebuyers. With NMLS ID 303217, he specializes in innovative loan solutions and leads a team committed to personalized service. His leadership emphasizes technology integration and client education.
Questions
What mortgage programs do you offer?
We offer FHA, VA, USDA, conventional, reverse, DSCR, jumbo, construction, and refinance loans. Our 200+ wholesale lenders ensure competitive rates for diverse borrower needs.
Do you offer USDA loans for manufactured homes?
Yes, as of 2025, we provide USDA financing for existing manufactured homes in eligible rural areas. We verify property eligibility and guide clients through income requirements.
Can I get a mortgage with a low credit score?
Yes. FHA loans require as low as 560 credit score with 5% down. Our underwriters evaluate compensating factors to help borrowers with imperfect credit histories.
Do you offer 24/7 customer support?
Yes, we provide 24/7 communication through automated updates and on-call assistance for urgent questions during evenings and weekends.
How do I apply for a mortgage?
Apply online via our user-friendly portal, over the phone, or in-person at our Ocala branch. We offer pre-approvals within 24 hours using secure e-disclosure technology.
What areas do you serve?
We operate statewide in Florida from our Ocala branch, serving clients nationwide through digital tools and express mail services for document handling.
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