Independent Mortgage Broker
Your Home. Your Terms. Your Broker.
As an independent mortgage broker, I shop 50+ wholesale lenders to find the rate and terms that actually fit your life — not the bank's bottom line.
Why a Broker Beats the Bank
In just a few minutes, learn exactly how an independent mortgage broker works — and why it almost always means a better rate, more options, and less stress.
Questions after watching? Call or text Susan · (386) 965-0023
50+
Wholesale Lenders
0
Bank Overlays
Direct
Communication
Rate Lock
Strategies
How Are You Buying?
Whether you're purchasing your first home or refinancing an existing one, we have the right loan for your situation.
Estimate Your Buying Power
Adjust the sliders to see what a monthly payment might look like — then call Susan to get the real numbers.
Estimated Monthly Payment
$2,075/mo
Based on $315,000 loan at ~6.90% — principal & interest only
Here's what most people don't know
Why a Broker Beats the Bank
Most people go straight to their bank for a mortgage. Here's why that might be costing them money.
Access to 50+ Wholesale Lenders
Banks offer one set of products at retail rates. As a broker, I shop dozens of wholesale lenders simultaneously — lenders you can't access on your own — to find your best rate.
No Bank Overlays
Banks layer their own restrictions on top of standard loan guidelines. I work with lenders who follow the actual guidelines — which means more paths to approval for more borrowers.
One Credit Pull, All Lenders
Shopping multiple banks means multiple credit pulls. With a broker, your credit is pulled once — and that single report is used to shop every lender on your behalf.
Ready to see the difference for yourself? We'll run a side-by-side comparison with your current bank's offer — no commitment required.
Compare My OptionsPre-Qual vs. Pre-Approval — Know the Difference
These two terms get used interchangeably — but they're not the same, and the difference matters when you're making an offer.
Pre-Qualification
Quick StartA soft estimate based on self-reported income and credit. No hard pull, no documentation. Good for early planning.
Good for: Early planning and getting a ballpark number before you start shopping.
Pre-Approval
Stronger OfferA verified commitment based on documented income, assets, and a hard credit pull. Sellers take this seriously.
Good for: Active buyers ready to make offers. Shows sellers you're serious and financially ready.
Today's Rates — What You Actually Need to Know
Rates change daily. Here's what matters more than the headline number.
Your Rate Is Personal
The rate you see advertised is rarely the rate you'll get. Your credit score, loan type, down payment, and property all affect your actual rate.
Wholesale Rates Are Lower
As a broker, I access wholesale pricing that retail banks don't offer to the public. That difference can mean hundreds of dollars per month.
Locking at the Right Time Matters
Rates can move significantly between application and closing. I'll help you decide when to lock — and when to float — based on current market conditions.
Want to know your actual rate?
Call or text Susan — she'll give you a real number based on your situation, not a teaser rate.
Call or Text Susan · (386) 965-0023Local Market Reports
Stay current on rates, programs, and market conditions in Florida.
October 2026 Florida Market Update
This month's snapshot of Florida mortgage rates, inventory trends, and what buyers in Alachua County and surrounding areas should know heading into Q4.
Call Susan to DiscussQ3 2026 Rate Environment Report
How current Fed policy is affecting mortgage rates and what to expect through year-end. Includes rate trend analysis and lock strategy recommendations.
Call Susan to DiscussWhen Does Refinancing Actually Make Sense?
A plain-English breakdown of the break-even calculation — so you can decide if refinancing is worth it for your specific situation.
Call Susan to DiscussWhat Our Clients Are Saying
I can't say enough good things about Susan at Park & Prosper Mortgages! She truly worked magic to get my daughter into her new home before Christmas. Susan went above and beyond, turning herself inside out and practically defying the laws of gravity to make this mortgage happen. Thanks to her, my daughter is now settled in her own home with her new baby, and we couldn't be more thankful. We simply couldn't have done it without her. Susan works tirelessly for her clients and never gives up, and I highly recommend her to anyone looking for a mortgage!
Korina
Mother of the homebuyer · Newberry, FL
Susan was great to work with. We moved from N.Y. She took every call when we had any questions. She was specific with what she needed from us to get it to closing. We are thankful she was involved.
K.G.
Relocated from New York · Wimauma, FL
Working with Susan was such a great experience. From the very beginning she made us feel like we were in good hands. She was incredibly professional, but also very personable and genuinely cared about making sure everything went smoothly. Susan is extremely detail-oriented and truly crosses every "T" and dots every "I". She took the time to go through everything carefully and made sure there were no surprises along the way. One thing that really stood out to us was how closely she reviewed the title company's charges to make sure they weren't adding unnecessary fees. She was looking out for us every step of the way, and we really appreciated that. We would absolutely recommend her!
Korie & Tyler Bragdon
Lake City, FL
Real people. Real homes. Real results.
Client Stories
I can't say enough good things about Susan at Park & Prosper Mortgages! She truly worked magic to get my daughter into her new home before Christmas. Susan went above and beyond, turning herself inside out and practically defying the laws of gravity to make this mortgage happen. Thanks to her, my daughter is now settled in her own home with her new baby, and we couldn't be more thankful. We simply couldn't have done it without her. Susan works tirelessly for her clients and never gives up, and I highly recommend her to anyone looking for a mortgage!
Korina
Mother of the homebuyer · Newberry, FL
Dylan's home — closed before Christmas 🎄
Working with Susan was such a great experience. From the very beginning she made us feel like we were in good hands. She was incredibly professional, but also very personable and genuinely cared about making sure everything went smoothly. Susan is extremely detail-oriented and truly crosses every "T" and dots every "I". She took the time to go through everything carefully and made sure there were no surprises along the way. One thing that really stood out to us was how closely she reviewed the title company's charges to make sure they weren't adding unnecessary fees. She was looking out for us every step of the way, and we really appreciated that. We would absolutely recommend her!
Korie & Tyler Bragdon
Lake City, FL
Susan Parker was absolutely wonderful throughout the entire process of selling our home and helping us purchase our dream home. We truly couldn't have asked for a better person to guide our family through such an important chapter in our lives. Susan is sweet, caring, honest, compassionate, knowledgeable, and incredibly creative. She genuinely listened to what we wanted, worked tirelessly to make sure our needs were met, and kept us informed every step of the way. She went above and beyond what we could have ever expected — it was clear that she wasn't just doing a job, she genuinely wanted the best for us and worked hard to make our dreams a reality. We are beyond grateful for everything she did for our family. You are truly one of a kind!
Charles & Ashley
Purchased their dream home in Ft. White, FL
Ready to Find Out What You Qualify For?
No pressure, no commitment. Just a real conversation about your options — and what's actually possible for you.