Why Homebuyers Choose One Stop Mortgage
We're not your typical lender. We started this company because we got burned by bad lenders when we were buying homes ourselves.
Real Pre-Approvals
Our in-house underwriter reviews your file before we issue the letter. When we say approved, we mean it.
On-Time Closings
No midnight panic. No last-minute surprises. We close when we say we will.
Clear Communication
No ghosting. We answer your calls and explain every step in plain English.
450+ Lender Network
Access to hundreds of lenders means we find you the best rate and terms for your situation.
Are You a Real Estate Agent?
We didn't build a mortgage company and add a system for agents. We built the system for agents — and put a mortgage company inside it.
We used to run a multi-million dollar real estate team. We dealt with the bad lenders so you don't have to. Our mission is simple: make you look like a rockstar to your customers.
Pre-Approvals That Hold
In-house underwriter pre-underwrites before we issue the letter
Clear-To-Close Issued Early
No midnight panic, no ghosting, no surprises
Listing Incentives That Sell
3-2-1 and 2-1 buy-downs that get offers accepted
Purchase, Refinance, or Tap Into Your Home's Equity
Whether you're buying your first home, refinancing to lower your rate, or using your VA benefits, we have the expertise and lender network to find the right solution for your situation.
Thinking About Refinancing?
Rates change. Life changes. Your mortgage should keep up.
Whether you want to lower your monthly payment, shorten your loan term, switch from an ARM to a fixed rate, or tap into your home's equity for renovations or debt consolidation — we'll help you find the right refinance solution.
Lower Your Rate: Save hundreds per month with today's rates
Cash-Out Refinance: Access your equity for home improvements or debt payoff
Shorten Your Term: Pay off your home faster and save on interest
Free Consultation: We'll run the numbers and show you if refinancing makes sense
When Does Refinancing Make Sense?
Rates Have Dropped
Even a 0.5% rate reduction can save you thousands over the life of your loan
Your Credit Has Improved
Better credit score = better rates. Let's see what you qualify for now
You Have an ARM
Lock in a fixed rate before your adjustable rate increases
You Need Cash
Home equity is often the cheapest way to borrow for major expenses
Not sure if refinancing is right for you? Call us at 561-556-3130 for a free consultation.
Here's What "By Agents, For Agents" Actually Means
Pre-Approvals That Hold
Our in-house underwriter pre-underwrites the file BEFORE we issue the pre-approval letter. When we say approved, we mean approved.
Clear-To-Close Issued Early
No midnight panic. No ghosting. CTC comes early so your client — and you — can breathe.
450+ Lender Network
FHA, VA, Conventional, DSCR, bank statement, non-warrantable condos, fix-and-flip, hard money, 203K renovation loans. If there's a path, we find it.
Listing Incentives That Actually Sell
Offer your buyers a 3-2-1 or 2-1 buy-down. On a $600K home, that's $835/month in savings year one — the kind of incentive that gets offers accepted.
What Our Clients Say
Real feedback from real estate agents and homebuyers who've worked with us.
Sarah M.
Real Estate Agent, FL
"I've worked with a lot of lenders over my 12 years in real estate. One Stop Mortgage is the first one who actually understands what agents go through. Their pre-approvals hold up, they close on time, and they don't ghost me mid-deal. That's all I need."
Michael & Jennifer T.
First-Time Homebuyers, GA
"As first-time buyers, we were nervous about the whole process. They walked us through every step, answered every question (even the dumb ones), and got us closed in 21 days. We couldn't have asked for a better experience."
David R.
Real Estate Agent, NC
"I send all my buyers to One Stop now. They are the only lender I trust to actually close the deal. No surprises, no drama, no excuses. Just clean closings every time."
James K.
Veteran, SC
"After serving 8 years in the Army, I finally used my VA benefits to buy my first home. One Stop made the process so easy and explained everything in terms I could understand. Highly recommend for any veteran."
Lisa P.
Refinance Client, FL
"I refinanced with One Stop Mortgage and saved $400 a month on my mortgage. They ran the numbers, showed me exactly what I'd save, and closed it in 3 weeks. No hassle, no hidden fees. Just results."
Amanda L.
Real Estate Agent, TX
"One Stop gets it because they've been in our shoes. They know what we need from a lender partner, and they deliver every single time. My clients love them, and so do I."
Meet Brandon Niemela
I'm Brandon — husband to Melinda (my wife, business partner, and co-founder), and father to two incredible kids. I'm not your typical lender. I came into lending through real estate.
My wife and I ran a multi-million dollar real estate team. We loved the work. But we hated the lenders.
After one particularly bad lender cost us a $1.5 million deal, $25,000 in earnest money, and two commission checks right before Christmas, we decided enough was enough. That's when One Stop Mortgage was born.
We built this company to be the lender we always wished we had — one that treats agents like partners and closes deals cleanly, on time, every time.
— Brandon M. Niemela, Owner/CEO
— Melinda Niemela, Co-Founder
NMLS #2240466
What Our Clients Say
Real stories from real homeowners who trusted One Stop Mortgage with their journey.
"Brandon made our first home purchase so easy. He explained everything clearly and was always available to answer our questions. We couldn't have asked for a better experience!"
Sarah & Mike Johnson
Tampa, FL
First-Time Homebuyers
"As a veteran, I appreciated Brandon's knowledge of VA loans and his respect for my service. He got us a great rate and made the process seamless."
James Rodriguez
Charlotte, NC
VA Loan
"Refinancing with One Stop Mortgage saved us hundreds each month. Brandon's personal attention and expertise made all the difference. Highly recommend!"
Emily Chen
Denver, CO
Refinancing
One Stop Mortgage, LLC | 12000 Forest Hill Blvd., Wellington, FL 33414
NMLS #2240466 | Licensed Mortgage Broker | Equal Housing Opportunity