Homesite Mortgage has been family-owned on the Space Coast since 1999. We are a licensed broker, which means we do not lend our own money — we shop your loan across multiple lenders and tell you honestly which one fits. Our office is at 2754 Aurora Road. NMLS #353790.
Most mortgage advice online is written for somewhere else. On the Space Coast three things decide whether a file goes smoothly, and none of them are your credit score.
A homeowners quote is part of what a lender counts when assessing affordability, and Florida quotes vary wildly by carrier, roof age and distance from the water. We tell buyers to get quotes early rather than at the end — a wind mitigation inspection or a different carrier can change the whole picture.
Beachside and riverfront buildings differ enormously in whether lenders will finance them, based on rental ratios, reserves, single-owner concentration and pending litigation. Send us the building name before you write an offer and we can usually tell you quickly whether it is straightforward.
Two houses on the same street can sit in different flood zones, and it affects both the insurance requirement and the closing timeline. Knowing this before you are under contract is much cheaper than discovering it a week before closing.
Tom Culpepper (NMLS #353539) is our principal broker and reviews every submission himself. Tracy Cody (NMLS #886861) and Brandon Culpepper (NMLS #1577726) round out the licensed team. When you call 321-751-4403 during business hours, a person in Melbourne answers. Your file is not handed to a stranger in another state.
Verify all of us at nmlsconsumeraccess.org — you should do that for any mortgage company you talk to.
Yes. We are at 2754 Aurora Road, Melbourne, FL 32935, and we have been family-owned here since 1999. You can come in, or handle everything by phone and email if that is easier. Either way you are dealing with the same small team, not a queue.
All of it — Melbourne, Palm Bay, West Melbourne, Viera, Suntree, Rockledge, Cocoa, Merritt Island, Titusville, Satellite Beach, Indialantic and Melbourne Beach. We are licensed across Florida, but Brevard is home and it is where we know the appraisers, the insurers and the closing agents by name.
Two reasons that are specific to here. Insurance and wind mitigation drive Florida files in a way they do not elsewhere, and knowing which carriers are actually writing in a given ZIP saves weeks. And beachside condo buildings vary enormously in whether lenders will finance them — knowing the buildings matters more than knowing the guidelines.
Yes. We work with a lot of Space Coast employees and service members. If you are eligible for a VA loan we will tell you whether it is the right fit rather than assuming it is, and shift differentials, bonuses and contract income all get treated on their own terms rather than averaged into a formula.
A few quick questions and Tom reviews it personally. There is no obligation and no hard credit pull to get started. Or call 321-751-4403 and talk it through first.
Homesite Mortgage Corporation is a licensed Florida mortgage broker, NMLS #353790, and is not affiliated with Homesite Direct or homesitedirect.com. This page is general information, not an offer of credit or a commitment to lend. All loans are subject to credit approval and underwriting. We originate loans in Florida only.
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