If you’re searching for a mortgage broker near me, best local mortgage lenders near me, or a trusted loan officer for VA loans, FHA loans, conventional mortgages, or refinancing in Florida, you’re in the right place.
My name is Joel Erlichson (NMLS #2551819) and I’m a licensed Mortgage Loan Officer with OM Mortgage, LLC (NMLS #1972491). I help homebuyers and homeowners throughout Florida get the right financing with clear communication, fast pre-approvals, and guidance from start to finish.
Local Florida Mortgage Help That Moves Fast
Buying a home in Florida can move quickly, and timing matters. I work with clients across Pasco County, Pinellas County, Hillsborough County, Hernando County, Citrus County, and Manatee County, as well as the greater Tampa Bay area. Whether you’re purchasing your first home, upgrading, investing, or refinancing, my goal is to make your mortgage process smooth and stress-free.
VA Loans, FHA Loans, Conventional Loans & Refinance Options
I specialize in helping Florida buyers and homeowners with the most common loan programs, including:
- VA home loans for veterans and active-duty service members
- FHA home loans for first-time buyers and buyers needing flexible guidelines
- Conventional mortgages for strong credit buyers and competitive offers
- Mortgage refinancing to lower payments, reduce interest rates, or access equity
- Cash-out refinance options for homeowners who want to use equity strategically
Every borrower is different, so I focus on comparing loan options and structuring the mortgage correctly based on your goals, not just pushing one program.
Fast Mortgage Pre-Approvals Any Day or Time
A strong pre-approval can be the difference between winning a home or losing it. I provide fast, accurate mortgage pre-approvals and I’m available nights, weekends, and holidays when buyers need answers quickly.
Why Clients Choose Joel Erlichson Home Loans
Clients choose to work with me because they want a mortgage loan officer who is responsive, transparent, and focused on results. I take pride in being direct, easy to reach, and proactive throughout the loan process.
If you need a VA loan pre-approval, an FHA loan in Florida, a conventional mortgage, or a refinance, I’m here to help you move forward with confidence.
Get Started Today
If you’re ready to buy or refinance and want a local Florida mortgage professional you can count on, reach out today. You can also click the Get Pre-Approved button to start your application!
Joel Erlichson | VA FHA Home Loans & Refinance Florida (NMLS 2551819) 