Mortgage broker · Fort Lauderdale, FL
Wholesale mortgage rates, shopped across 300+ lenders for you
I'm more than a mortgage broker — I'm your partner in home finance. First-time buyers, investors and everyone in between get tailored solutions and an unbeatable deal.
Ask me anything
Rates, programs or the process — I'll guide you every step of the way.
703-405-8794john@jpastre.com- ✓ Pre-approval typically within 30 minutes
- ✓ Your credit isn't pulled automatically
- ✓ Conventional loans closing in as little as 10 days
How it works
- Step 1
Consultation
Discuss your needs and financial goals with me.
- Step 2
Application
Complete an application to start the financing process — about 30 minutes, and your credit isn't pulled automatically.
- Step 3
House shopping
Shop for a home with your pre-approval in hand.
Loan programs
Beyond traditional mortgages, I have options. I submit your loan to the best lenders for your scenario so you close with confidence that you got an unbeatable deal.
Traditional mortgages
Conventional, FHA & VA Mortgages
I certainly did not invent the conventional mortgage. I just do them best — for your home purchase or refinance, with wholesale pricing you can't get applying directly.
Learn more →Unbeatable DSCR
DSCR Loans for Real Estate Investors
We didn't invent the DSCR mortgage. We just do them best. Business-purpose loans for real estate investment all over the USA.
Learn more →Fix and flip
Fix and Flip Loans
Business-purpose mortgages for value-add investors and operators all over the USA, qualified on the project — not your personal income.
Learn more →Bridge loans
Bridge Loans — Buy Before You Sell
Temporary financing for selling a home and buying another, so you can purchase your new home before your current one sells.
Learn more →Refinancing
Mortgage Refinancing
Refinancing lets you adjust your mortgage terms, potentially lowering your monthly payment and saving on interest.
Learn more →Commercial
Commercial Real Estate Loans
Commercial financing for stabilized properties and value-add projects, structured around how the property earns income.
Learn more →Why work with a broker
Wholesale rates
Rates you can't get applying directly, across a full suite of products.
Insider insight
Learn how lenders hide fees in your rate — and compare offers honestly.
Expert guidance
Help choosing the right mortgage, from first conversation to closing.
What clients say
“I constantly refer John to my friends and family and fellow investors. He gave me so much useful information that I am now a force to be reckoned with in the flip community of Savannah, GA. I bought my first home with John, and not only did he prepare me for each step of the process, but his communication was excellent about any hiccups, and he was always one step ahead.”
“The support I received from John was outstanding. After another broker was unable to close, John advised with confidence on my business structure to get the deal done. I did not think he would be able to get it done in the 8 days he asked for, but here we are, proud owners of our first investment property in Ohio.”
Frequently asked questions
What is the difference between a mortgage broker and a mortgage lender?+
I am a mortgage broker, licensed to originate loans from mortgage lenders. Lenders' retail outlets pass their marketing and management costs on through higher rates. As a broker, I get wholesale rates from the same lenders you might shop at — and I do the shopping for you to find the lowest rate the market has to offer.
How do I know how much I can borrow?+
It depends on your income, credit score, assets, debt-to-income ratio, and the type of loan. The first step is finding your maximum comfortable monthly payment — I'll help you assess your situation and determine the right amount.
What documents do I need to apply for a mortgage?+
Typically 30 days of pay stubs, your driver's license, two years of W-2s, two months of statements for all bank accounts, and proof of any bonus, commission or overtime for the past two years. Once you apply, my system requests exactly what your scenario needs, and you'll receive a pre-approval letter after uploading it.
How long does the mortgage approval process take?+
Pre-approval typically comes within 30 minutes of submitting your application, and approval within about 3 days. We aim to close conventional loans in 10 days, and some products close in 1 business day. Applying takes about 30 minutes, and your credit is not automatically pulled.
See what you qualify for
Get a personalized mortgage quote — no credit check — or start the full application. It takes about 30 minutes.