The Right Loan.

The Right Lender.

Right When You Need One.

Whether you’re buying your first home, upgrading to something bigger, or looking to refinance your current mortgage, Brad Swindel offers personalized lending solutions to fit your needs. As a licensed mortgage lender based in Melbourne and serving clients throughout Brevard County and the entire state of Florida, Brad works directly with you to find the right loan program at the right terms.

Brad offers two core services: home purchase loans and home refinancing. Within those, you’ll have access to a wide range of programs designed for different financial situations and goals.

Home Purchase Loans

Ready to buy a home on the Space Coast? Brad will walk you through every step of the mortgage process, from pre-approval to closing. No matter where you are financially, there’s likely a program that fits.

Home Refinancing & Reverse Mortgages

Already own a home? Refinancing could help you secure a lower interest rate, reduce your monthly payment, or tap into your home’s equity. For homeowners aged 62 and older, reverse mortgage options are also available. Brad will review your situation and help you find the right path forward.

Conventional Loans

The most common type of home loan, conventional mortgages are a great fit for buyers with solid credit and a down payment ready. These loans typically offer competitive rates and flexible terms.

FHA Loans

Backed by the Federal Housing Administration, FHA loans are popular with first-time homebuyers and those with less-than-perfect credit. Standard FHA and zero-down options are both available for eligible buyers.

VA Loans

Available to eligible veterans, active-duty service members, and qualifying spouses, VA loans offer some of the best terms in the industry, often with no down payment and no private mortgage insurance required.

Non-QM Loans

Not every borrower fits into a traditional lending box. Non-QM options are designed for self-employed professionals, investors, and business owners. Programs include DSCR, bank statement, P&L, 1099, and asset utilization loans.

Brad Mortgage Lender and Broker

Why Work With a Local Mortgage Lender?

Choosing the right mortgage broker or lender matters just as much as choosing the right loan. Brad lives and works right here on the Space Coast, which means he understands the local market, the neighborhoods, and the unique factors that affect homebuying in Brevard County. When you work with Brad, you get direct communication, honest guidance, and a lending partner who picks up the phone.

Ready to explore your options? Call Brad first. 321-307-7984