Treasure Coast & Florida Home Loans
I'm Matt Walsh — a licensed loan originator who also works the local market as a Realtor. You get someone who understands both sides of the closing table, backed by Orca Home Loans.
The Process
Most of the anxiety in getting a mortgage comes from not knowing what happens next. Here's exactly what happens next.
A short call or online form. I'll walk you through what you'll qualify for and what documents to gather — usually within one business day.
Once you're under contract, we lock your rate and move through underwriting together. I'll flag anything that needs attention before it becomes a delay.
Final approval, a walkthrough of your closing disclosure, and a closing date that actually holds.
Loan Programs
The standard path for buyers with solid credit — as little as 3% down on qualifying loans.
Lower credit and down payment thresholds, built for first-time buyers.
For eligible veterans and service members — often zero down, no PMI.
For eligible rural and suburban properties — zero down for qualifying buyers and locations.
For financing above conforming loan limits — common across Florida's coastal luxury market.
For real estate investors — qualifies off the property's rental income, not your personal income.
A 90-second breakdown of which one actually costs less, depending on your situation.
On YouTube
New videos most weeks — no jargon, no sales pitch you didn't ask for.
Why Work With Matt
Because I'm also an active Realtor on the Treasure Coast, I read a purchase contract the way an agent does — not just the way a lender does. That means I catch financing issues before they threaten your closing date, not after.
Faster answers on financing contingencies, realistic closing timelines set from day one, and a lender who already understands the property, not just the file.