Coast 2 Coast Mortgage · Serving South Florida
Fort Lauderdale mortgage broker.
Calm closings since 2002.
Serving Fort Lauderdale, Lighthouse Point, Pompano Beach, Boca Raton and all of South Florida. The full lending power of Coast 2 Coast Mortgage, delivered by one originator who has closed $500M+ since 2002 — and answers his own phone, nights and weekends included.
289 five-star reviews — Google · Zillow · Experience.comNo SSN required to start. No credit pull at this stage.
James Tyrrell · NMLS #98927 Since 2002
Originating
$500M+
Closed volume
1,000+
Borrowers served
289★
Five-star reviews
Capabilities
Every Coast 2 Coast program, one accountable originator.
The platform of a national lender. The judgment of someone who has structured files through every market since 2002.
In Their Words
289 reviews. Five stars. All of them.
★★★★★
“James and team are on the ball and great. Second deal with them and it was very quick and smooth, as I expected. Will happily be back for the next one!”
“James made the process seamless from the very beginning. He communicated with us every step of the way and even managed to save us some money! I will never do business with anyone else.”
“James made this transaction very smooth for us, got us great interest rates — better than 3 different companies. Got us closed and in our new home in 20 days. Amazing guy, great communication.”
“Since I am self-employed, things are more complicated. Overall, I am VERY happy with their services. They are friendly, professional, nice! They made my dream come true, and for me it is priceless!”
“I could always get a hold of James, he was always available for me and my questions. Buying a first home is extremely nerve wracking and many questions come up. I was lucky to have someone like James.”
“From start to finish, James stayed engaged and responsive. This made the refinance process a worry-free breeze. James was able to find cost savings in several different places that other brokers previously hadn't!”
“James and his team were very knowledgeable, made everything simple to understand and most importantly, guided me toward loan approval. I would definitely recommend them to any friends or colleagues!”
Wisdom From Experience
I’ve been in the mortgage business since 2002, and the greatest thing those years have given me isn’t just experience — it’s wisdom.
Wisdom comes from seeing the good deals, the difficult deals, the unexpected obstacles, and the loans that almost didn’t make it to the closing table.
I’ve learned to look beyond the numbers and recognize potential problems before they become problems. I know what questions to ask, what needs to be addressed upfront, and what it takes to give a loan the best chance of closing.
My experience has given me the wisdom to see the obstacles before underwriting ever does — and the knowledge to know how to navigate them.
That’s what I bring to every client and every loan.
— James J Tyrrell III · NMLS #98927
One of South Florida’s established originators, with a practice built almost entirely on referrals and repeat clients — the kind you only earn by closing on time, year after year.
Referral-built practice
Available nights and weekends, matched to the schedules of buyers and realtor partners. When your offer needs a pre-approval letter on a Sunday, it gets one.
Nights & weekends
Deep command of Fannie Mae, Freddie Mac, FHA and jumbo underwriting guidelines — including South Florida condo warranting, where most deals quietly die.
Underwriting fluency
The Engagement
Four movements.
Consult
A direct conversation about the purchase, the property, and the timeline — before any paperwork.
Underwrite
Documentation reviewed up front. Your approval means something because the work is already done.
Structure
Program, rate and terms shopped across wholesale lenders and modeled against your position — then locked deliberately.
Close
Clear-to-close ahead of the date, funds confirmed, keys in hand.
Straight Answers
Questions James answers every week.
Can I get a mortgage if I'm self-employed and write everything off?
Yes. Bank statement loans qualify you on 12–24 months of business or personal bank deposits instead of tax returns, and 1099 and P&L programs exist too. This is the core of James's practice — he has structured self-employed files since 2002 and knows which lender actually says yes to your write-off profile.
What is a non-warrantable condo, and can it still be financed?
A condo becomes non-warrantable when the building fails Fannie Mae / Freddie Mac rules — too many investors, pending litigation, low reserves, one owner holding too many units. It can absolutely still be financed through portfolio and non-QM lenders. James is well-versed in current Fannie and Freddie condo-warranting rules in South Florida, so he knows before you write the offer which bucket the building falls in.
What's today's mortgage rate?
There is no single "today's rate" — your rate depends on credit score, down payment, property type, loan program and how the loan is structured. As a broker, James shops your exact scenario across multiple wholesale lenders instead of quoting one bank's sheet. The honest answer is a quick conversation, not a number on a banner.
How much money do I need to buy a home in Florida?
Often less than you think. Conventional loans start at 3% down, FHA at 3.5%, and VA can be zero down. Florida buyers may also qualify for down payment assistance such as the Hometown Heroes program. Budget for closing costs too — typically 2–5% — though seller and lender credits can offset them.
Begin
A conversation, first.
Five minutes on the phone usually settles what an hour of online research can’t. No credit pull, no application, no obligation.
Or call directly — (954) 695-5801