The Loan Officer Central Florida Trusts.
From your first pre-approval to the keys in your hand — I handle the entire mortgage process personally. No call centers. No runaround. Just answers.
Get Pre-Approved Free
No credit pull required. Takes under 2 minutes.
Your information is never sold or shared. Ever.
Mortgage financing built around you.
Whether you're buying your first home, upgrading, investing, or refinancing — I have the right program and the relentless follow-through to get you to closing.
First-Time Homebuyer
Programs built for buyers who've never done this before — guidance every step of the way.
Down payments as low as 3%VA Loans
Zero down. No PMI. The benefit you earned, handled by someone who treats it like sacred ground.
0% down paymentFHA Loans
Lower credit scores welcome. Lower down payments. The most flexible path to homeownership.
Credit scores from 580Conventional
Traditional financing structured for strong borrowers who want the best long-term terms.
Competitive ratesJumbo Loans
Luxury financing above conforming limits — for the home that matches who you've become.
Loans above $766,550Non-QM / Self-Employed
Bank statements, 1099, asset depletion. When others say no, we find a way.
Flexible documentationInvestment Property
Build long-term wealth. Financing for rentals, flips, and your next investment door.
DSCR loans availableRefinance & Cash-Out
Lower your rate. Pull equity. Consolidate debt. Restructure on terms that favor you.
Save on monthly payments
Four steps. Zero surprises.
Buying a home should feel exciting — not terrifying. Here's exactly how we get you from your first phone call to the keys in your hand.
Free Consultation
We talk — by phone, video, or in person. No pressure. I learn your goals, your timeline, and what matters most to you.
Pre-Approval
I structure your file the right way the first time. You walk into showings as a serious, fully-vetted buyer that sellers take seriously.
Find Your Home
Your offer carries weight because your financing is rock solid. I work directly with your agent to keep deals on track.
Close & Celebrate
Clear-to-close on time. No last-minute surprises. You sign, get the keys, and start your next chapter.
Estimate your monthly payment.
Get a quick estimate, then let me find you the best rate. This calculator is for illustrative purposes — your actual rate may be lower.
Principal & interest only. Does not include taxes, insurance, or PMI.
Orlando-based. Florida-built. Built for the long game.
I'm a Loan Officer with Waterstone Mortgage based in Orlando and Winter Park, serving clients across nearly every state in the country. I became the youngest Loan Officer in Waterstone Mortgage history to close a deal — and funded over $6 million in my first six months.
That number keeps growing because I do something most loan officers won't: I pick up the phone. Nights, weekends, the night before closing when something needs to move at 11:47 PM. I've closed loans three other lenders walked away from.
Whether you're a first-time buyer, a veteran, a self-employed entrepreneur navigating a Non-QM file, or a luxury buyer in the Jumbo space — I have the products, the underwriting relationships, and the relentless follow-through to get your loan to the closing table.
"I got into this business because I watched too many people get treated like file numbers. My clients aren't files. They're families building the next chapter of their lives."
Don't take my word for it. Take theirs.
"McGwire walked us through every single step. We had no idea what we were doing and he made it feel easy. He answered texts at 9PM. He explained things three times when we needed it. We closed on our dream home two days early."
"Two other lenders told me my file was complicated. McGwire said 'leave it to me' — and got me to closing in 22 days. As a veteran, the way he handled my VA loan with that level of care meant everything to me."
"I'm self-employed and every other loan officer ghosted me after seeing my returns. McGwire built a bank statement loan for me, locked an incredible rate, and treated me like a real client instead of a problem."
"We refinanced our home with McGwire and saved over $1,400 a month. He found a rate no one else could touch. The communication was unreal — we always knew exactly where the file stood."
Ready to make your move? Let's talk.
Fill out the form and I'll personally reach out within the hour — not a call center, not an automated bot. Me. McGwire. Ready to help you get to the closing table.
Start Your Application
No credit pull. No obligation. Just answers.
By submitting, you consent to be contacted by McGwire Holbrook, NMLS #2656246, Waterstone Mortgage Corporation, NMLS #186434. No credit pull required.