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Opening Doors to Ownership

At Lerette Lending, we believe everyone not only should have the privilege of homeownership, but rather the right to owning a home. Proudly serving Florida families with low rate Florida home loans while providing exceptional service. GET APPROVED IN AS LITTLE AS 1 DAY!


Buying a Home

Buying a Home

Buying a home is easily one of the largest financial decisions in one's lifetime. Whether you are a first-time home buyer or a seasoned investor, we offer fantastic home loan rates while providing you with an easy and stress-free experience. Check out our process and home loan options along with other cool tools to help you with your next home purchase.


Whether you are looking to simply put more money towards retirement, pay off high-interest debt, or make home improvements, we offer a solution to fit your needs and personalize your options to make sure you are getting the best refinance home loan option for you. Let us show you a personalized side-by-side comparison of refinancing options to fit your family's needs.

Home Loan Review

Why Lerette Lending?

Great Rates

We match you with exceptional loan program choices specific to your financial needs with great rates.

Exceptional Service

We strive to provide the highest level of service in the industry.

Fast & Easy Loan Process

Equipped with the latest technology, we have raised the bar for service and streamlined the loan process. Close in as little as 7 Days!

What Our Clients are Saying...

Joshua Lerette works hard for you.

Joshua was great at letting you know, what you needed and helping you get there. The closing was a little scary, a phone call to Josh fix the problem. Thanks Joshua

5-Stars Mortgage ReviewWilbert Henry - Homebuyer - Saint Petersburg, FL

Josh is AMAZING. Talk about someone that is responsive and listens to your needs!

I was originally pre-qualified for a conventional loan through my out-of-state credit union when I had an offer accepted on my dream home. But, because they didn't take the time to understand my situation, my business (I am self-employed) and my needs, the underwriter denied my loan. I had two weeks left until I had to close! I could of easily lost the house. Thankfully, I found Josh. From day one he answered ALL of my questions and I ask A LOT. He was patient, hard working and truly has your best interest at heart. I would recommend him 100%

5-Stars Mortgage ReviewTeresa Mandala - Homebuyer - Saint Petersburg, FL

Not Your Average Lender

Josh and his team went above and beyond for us. The process was as smooth as possible with our situation. I will definitely recommend his highly professional and friendly services to my friends and family!

5-Stars Mortgage ReviewXaphet - Homebuyer - Saint Petersburg, FL

Amazing Lender

I am so thankful I had Josh. He helped me through a difficult issue with my finances and did a great job. I suggest everyone use Josh. He is diligent and will keep in constant contact with you. I am very blessed that a client of mine used Josh a couple of years ago. His communication is the best in the business!

5-Stars Mortgage ReviewMindy Artze - Homebuyer - Largo, FL

He is very knowledgable in his field.

Joshua was a pleasure to work with in getting my first home purchase. He is very knowledgable in his field. He has no quit attitude which I can honestly say I admire because at times I just felt like quitting. I would definitely recommend his services to anyone looking to purchase in the future.

5-Stars Mortgage ReviewVilma Munoz - Homebuyer - Fort Lauderdale, FL

A Deal Full of Surprises

Josh and his team picked up the pieces from another lenders disaster and got us to the finish line. Every obstacle that could get in the way got in the way but Josh and his team got it done and I am typing this from my new home. Thanks to Josh and the entire team. They explained the process well.

5-Stars Mortgage ReviewMarcus Pratt - Homebuyer - Seffner, FL

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Latest News and Information

Top Five Market Factors That Influence How Mortgage Rates Move

Timing the market for the best possible opportunity to lock a mortgage rate on a new loan is certainly a challenge, even for professionals. While there are several generic interest rate trend indicators online, the difference between what’s advertised and…


Source of Down Payment – Making Sure Your Cash To Close Comes From The Proper Source

Providing proper asset documentation and the actual source of the funds is a critical element of the loan closing process. There’s nothing worse in a real estate purchase than making it all the way through the hoops and hurdles just…


Talk the Talk – Know the Mortgage Lingo at Closing

Many borrowers go through the mortgage process in a haze, nodding, smiling, and signing through a bunch of noise that sounds like Greek. Even though you may have put your trust in your real estate and mortgage team, it helps…


Five Myths About Home Values

During periods of economic growth, when home values are typically just going up, most homeowners do not question appraisals much. And in times of turmoil when property values are declining, home sellers and even listing agents quite often question and pick…


What’s The Difference Between Interest Rate and Annual Percentage Rate (APR)?

The difference between APR and the actual note rate is very confusing, especially for First-Time Home Buyers who haven’t been through the entire closing process before. When shopping for a new mortgage loan, you may notice an Annual Percentage Rate…


Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate…


Understanding FHA Mortgage Insurance Premium (MIP)

FHA Mortgage Insurance Premium (MIP) is an important part of FHA Insured loan. Mortgage insurance is insurance that protects lenders against any losses that may result from a consumer defaulting on their FHA-insured home loan. FHA home loans require two…


What You Need To Know About The Home Inspection Process

You found the house you want to call home, but before you sign on the dotted line to make it official, your first order of action should include a home inspection. You now have only a few days from when…


What Do Appraisers Look For When Determining A Property’s Value?

Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed…


Where Does My Earnest Money Go?

Hey, I gave my real estate agent a $5000 Earnest Money Deposit check… Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. According to Wikipedia: Earnest…



Updated on 2022-12-11T17:44:11-05:00, by Joshua Lerette.