Above and Beyond Mortgage
The money side, sorted before the house hunting starts.
This is the mortgage arm of the Liz and Becky team, and it lends in every corner of Florida and Ohio. One conversation gets you a pre-approval, a clear picture of your options, and a lender who will still be with you at closing.
Serving
All of Florida & Ohio
Plain English
Every rate, fee, and form explained
Loan programs
There is a loan for every move.
We match the program to the person, not the other way around. Here is the menu, in plain language.
Conventional
Buyers with solid credit and a down payment of 3% or more; the everyday default loan.
Fixed or adjustable terms, financing up to conforming limits, and options to buy with as little as 3% down for qualified buyers.
Ask about this optionFHA
First-time buyers and anyone wanting a smaller down payment with more forgiving credit rules.
Insured by the FHA, with down payments as low as 3.5% and competitive terms for buyers who are just getting started.
Ask about this optionVA
Eligible veterans, active-duty service members, and surviving spouses.
Zero-down financing with no private mortgage insurance, one of the strongest benefits our veterans can use.
Ask about this optionUSDA
Buyers looking at homes in qualifying rural and suburban areas around Southwest Florida.
Zero-down financing on eligible properties in designated areas, a quiet option that many out-of-state buyers never hear about.
Ask about this optionJumbo
Waterfront, Gulf-side, and luxury home buyers above conforming loan limits.
Financing for higher-priced homes where Naples really shines, with underwriting that understands premium properties.
Ask about this optionRefinance
Current owners in Florida or Ohio looking to lower a payment, tap equity, or switch loan types.
Rate-and-term refinancing, cash-out financing, and simplified streamline options where they apply.
Ask about this optionTwo states, one lender
Florida to Ohio and back again.
Most of our buyers are walking the same road in reverse: living in Ohio today, moving to Florida tomorrow. We cover both ends of that road.
Financing for Florida
- Pre-approvals that account for flood zones, wind insurance, and condo financing rules
- Buyer closing costs of 2% to 5% explained line by line, including documentary stamp taxes
- Homestead exemption reminders after closing, so the property tax break does not slip by
- Title company closings set up weeks ahead, remote notary available for out-of-state buyers
Financing for Ohio
- Full-service lending across Ohio, whether you are buying, refinancing, or moving out
- One lender for both states, so a Florida purchase and an Ohio refinance share one team
- Remote application and e-signatures for buyers already packing the moving truck
- The same plain-English estimates on both sides, no state-line surprises
Why finance with your agents?
Same people, same file, same finish line.
The classic setup hands you from agent to lender at the worst possible moment. Ours never changes hands at all.
One file from start to close. Your documents live with the same team that shows you houses, so there is nothing to re-explain at closing.
Numbers you can compare. We show you program options side by side, and the estimate you pre-approval with is the estimate you close on.
A close that actually closes. Florida-specific underwriting knowledge keeps surprises away from your closing date, not on it.
Pre-approval first, showings second, always
The pre-approval
Three steps to a real budget.
A short intro call
Ten minutes about your goals, your timeline, and the numbers you are working with. No commitment, no fee, no pressure.
A simple document list
Two years of tax returns, recent pay stubs, and statements. We keep the list short and tell you exactly what each item is for.
Your pre-approval letter
A real budget in writing, usually within days. It typically stays valid for 60 to 90 days and makes your offer stand out to sellers.
Bring questions, not paperwork. The first call is simply a conversation. Gather documents only after you decide to move forward.
Book the first callMortgage calculator
What could your monthly payment be?
A quick estimate of principal, interest, taxes, and insurance, right in your browser. No sign-up, no credit check, no strings.
Plug in your numbers
Your estimate will appear here
Fill in the numbers on the left and hit Calculate to see your estimated monthly payment, broken down line by line.
Estimated monthly payment
$0
- Principal & interest $0
- Property taxes $0
- Homeowners insurance $0
Loan amount $0
Down payment $0
Estimate only. Your actual rate, taxes, insurance, and HOA fees affect your payment. For exact numbers, get pre-approved with our team.
Get pre-approved with our teamPlan for HOA fees. Homeowners association dues are common across Florida communities, more so than many out-of-state buyers expect, and they can run quite high. They typically are not paid through escrow, so think of them as an additional monthly expense to build into your budget alongside your mortgage payment.
Start your pre-approval
Get pre-approved with our team.
Pick the loan officer you would like to work with and start your pre-approval right now. Both are licensed to lend across Florida and Ohio.
Financing questions
Asked before every first call.
Can I get pre-approved from out of state?
Yes, absolutely. The whole application happens remotely: secure document uploads, e-signatures, and phone or video calls. Many of our buyers are approved before they ever set foot in Florida, and we lend across all of Florida and Ohio no matter which state you are starting from.
How long is a pre-approval good for?
Pre-approval letters are typically valid for 60 to 90 days. If your search runs longer, a quick refresh keeps the numbers current without redoing the whole process.
Will checking rates hurt my credit?
Rate shopping within a short window is treated as one credit inquiry, and a soft pull for an initial quote does not affect your score at all. We let you see numbers before anything touches your credit.
Do you only lend in Florida?
No. We specialize in mortgages across all of Florida and Ohio, and we also work with a large network of trusted lenders in other states. If your loan falls outside our footprint, we will refer you to the right person and stay in your corner through closing.
What if I already have a lender?
That is fine, no hard feelings. You are welcome to compare. Our only request is that you compare pre-approvals before you shop, so the offer you make is backed by financing that actually closes in Florida.
Your rate quote is one conversation away.
Tell us about your plans and we will come back with numbers, not jargon. No fee to ask, no obligation to continue.
Motto Mortgage, NMLS # 1640242, 3440 W Hollywood Blvd. Suite 415, Hollywood FL 33021.