Coast2Coast Mortgage · Serving South Florida
Fort Lauderdale mortgage broker.
Complicated files, closed since 2002.
Serving Fort Lauderdale, Lighthouse Point, Pompano Beach, Boca Raton and all of South Florida. The full lending power of Coast2Coast Mortgage, delivered by one originator who has closed $500M+ since 2002 — and answers his own phone, nights and weekends included.
302 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
302★
Five-star reviews
Voted Best of Florida 2026
Coast2Coast Mortgage Lending, a Best of Florida 2026 Regional Winner.
Voted by Floridians in Guide to Florida’s annual Best of Florida awards. It’s the same lending platform behind every file James originates — national programs, local accountability, and a closing record his clients keep coming back for.
Capabilities
Every Coast2Coast 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
302 reviews. Five stars. All of them.
★★★★★
“I'm not in the market for a mortgage just yet, but I had a lot of questions about real estate and different loan programs for my situation. James was incredibly patient and took the time to walk me through my options and explain everything clearly, with no pressure at all.”
“James was a true professional. Thank you so much for making this the easiest mortgage transaction I have ever experienced. I can't wait to work with you again!!!”
“Coast2Coast team and especially James worked really hard to make sure the whole process went smoothly. They helped me in acquiring necessary documents and always responded promptly to my questions. Highly recommended!!”
“James has been nothing but wonderful for all the clients that I referred to him couldn’t recommend someone more!”
“James did a great job he wont tell you what you want to hear just to make the sale. Thank you.”
“Recently bought a home in Pompano Beach and was so grateful for James and his team. Not only was I informed and coached along the way, but received the preapproval and aggressive support and attention needed in the current real estate market. And terms to renegotiate interest next year.”
“Wonderful experience working with James & Glenda. Hit a few road bumps but they were able to help in getting over them. Highly recommend!”
“James Tyrrell is an outstanding mortgage professional and would be an asset to your real estate team.”
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