Discover your
Home Buying Power

Here’s how it works

The mortgage process simplified

Learn

Connect with your mortgage expert and learn about all your home buying options and programs

Apply

Our application process is simple and streamlined which means applying is easy

Close

Our mortgage experts will walk you through each step and guide you into home ownership

Getting a Home Loan Shouldn’t Be Hard

See how simple it is

Our App guides you through your mortgage financaing and connects you directly to your loan officer and realtor.

We Help Make Home Buying a Realty

Element Home Loan's branches based in the Treasure Coast (Port St Lucie, Palm City, Jensen Beach and Stuart) is made up of highly experienced sales and support staff from the mortgage banking industry whose mission statement reads “to provide an exceptional level of service to our customers, employees, business partners and stakeholders.”

Our company is made up with local decision making authority to offer mortgage loans for Florida Home Buyers. As a direct Mortgage Banker we offer Conventional Mortgages, Jumbo Mortgages, FHA Mortgages, VA Mortgages, USDA Mortgages, Self employed Mortgages, and Investment property mortgages throughout the state of Florida and Georgia. We also lend of Cash out refinances, lower payment and rate refinances; lower term refinances; and debt consolidation mortgages. Our Specialized mortgage Loan Officers are also here to assist our borrowers with 203K Mortgages, Construction to Permanent Mortgages and Home Rehab Mortgages.

We have a passion to help First Time Homebuyers through the mortgage and home buying process as we feel there is no better feeling than assisting you some of the people who need the most guidance through the home buying process.

The Treasure Coast's Element Funding is a high powered mortgage company… With a HomeTown Feel! ^TM

We LIVE 2 SERVE!^TM

See Why Buyers Choose Us

What our clients are saying.

I am beyond pleased and grateful for the work, time and dedication they gave me during my home buying process.

Larry Y.

Thanks so much for all your help in achieving a timely closing on the property.

Tanya G.

Working with Treasure Coast is just great. Every problem in my house is solved in a matter of days.

Patty S.

Loan programs to fit your needs

Conventional Fixed Rate Mortgages (FRM)

Ideal for borrow-customers with a steady income and sufficient down payment, borrow-customers pay the same monthly payment amount over loan’s lifetime.

Conventional Adjustable Rate Mortgage (ARM)

This type of mortgage carries a fixed rate for a set period of time before adjusting, depending on current market conditions..

FHA Loans

Good option for first-time homebuyers who may not have saved enough for a large down payment

VA Loans

Designed for military veterans, VA loans are mortgages guaranteed by the Department of Veteran Affairs, offering exceptional benefits, including low interest rates and no down payment requirement.

Jumbo Loans

A loan which is larger than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation

Interest Only

This loan does not include the repayment of principal for a certain period of time, and are available as a fixed-rate or adjustable-rate mortgage.

Down Payment Assistance Program

Down payment assistance (DPA) helps homebuyers with grants or low-interest loans that reduce the amount they need to save for a down payment.

USDA Loans

Low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages

Reverse Mortgages

This loan type allows 62 or older senior homeowners with considerable home equity to borrow-customer against the value of their home and receive funds

Explore All Loan Options

Can’t find the loan that fits your needs? Let us help!

The right tools to help you every step of the way

Loan Process

An easy way to know your next step

Loan Programs

Break down the terms and acronyms that will be used

Checklist

Learn what loan options are available

Glossary