About Certified Lending

Certified Lending is a mortgage broker offering a variety of lending solutions, including home purchase loans, refinancing, commercial lending, and non-QM loans. We prioritize clear communication and personal attention, making the mortgage process simple and transparent for our clients with no hidden fees or confusing terms. Our local market expertise and understanding of Florida's housing market allows us to structure appropriate loans for various property types while building lasting relationships with clients. 

Home Purchase

Home Purchase

From conventional to jumbo loans, Certified Lending matches buyers with the right mortgage options while providing expert guidance through every step from application to closing.

Home Refinance

Home Refinance

Whether seeking lower payments, faster payoff, or cash-out options, Certified Lending evaluates each situation carefully to secure optimal refinancing terms based on credit scores, income, and equity position.

Commercial Lending

Commercial Lending

Certified Lending structures flexible SBA loans, bridge financing, construction funding, and investment property options by analyzing business cash flow and property potential to create manageable loan packages.

Reviews

  • Exceeded all expectations!! Crystal is extremely knowledgeable about Real estate, acts completely professional and over delivers on results! I would highly recommend trusting Crystal with buying or selling of your next home.

  • As first time homebuyers in a very competitive housing market my husband and I expected house hunting to be much more daunting and to be rejected at least a dozen times in these crazy times. We were nervous about the process, until Crystal entered our lives. She confidently led us every step of the way. Not only helping with finding our home, but also with the loan process. Crystal is extremely knowledgeable, sweet, and patient. She was extremely positive, helpful, and reassuring in any and all of our questions and concerns we had, while also happily walking us through every step of the process making sure we were informed home buyers. With the help of Crystal we were able to land a darling single-family home (with a VA loan) and moved in 30 days after our offer was accepted. Exactly what we wanted. Exactly what we wanted to pay and all faster than we ever dreamed possible. All thanks to Crystal.

  • I always heard selling/buying a house will be one of the most stressful events in your life. Well not with Crystal. I was in awe of her knowledge and the personalized attention we received. It was an amazing experience. She told me exactly what I needed to do to sell my home for top dollar without spending a ton of money to do it! I received 20k over asking! She has an amazing team, they got me the lowest going rate, professional pictures of my house(got 3 offers prior to a showing) and an inspection team that made me at ease with my new house. It’s been almost two years since we used her and I tell everyone at work about her. I describe her as a pit bull of realtors. You won’t regret using her!

See All Reviews

Blog

What Florida Investors Should Know About Non-QM Loans
16
Sep

What Florida Investors Should Know About Non-QM Loans

Most banks in Florida make it tough for investors to get a loan. They want ...

What Higher Mortgage Rates Mean for Florida Homebuyers
16
Sep

What Higher Mortgage Rates Mean for Florida Homebuyers

Mortgage rates are up in Florida. Buyers in Loxahatchee and South Florida now face bigger ...

Are Mortgage Rates in Florida Going Up or Down This Year?
16
Sep

Are Mortgage Rates in Florida Going Up or Down This Year?

Mortgage rates in Florida are not steady. They move up and down, sometimes more than ...