Florida's Bilingual Mortgage Platform

Home loans that speak your language

CoStay Mortgage is a compliant lending platform built for Florida. Bilingual from day one. Designed for the homebuyers and realtors that national lenders overlook.

6.7M
Hispanic FL Residents
92.6%
US Household Growth
$425K
FL Median Home Price
costay-mortgage.app
Loan Type / Tipo de Prestamo
30-Year Fixed Conventional
Convencional a Tasa Fija de 30 Anos
Property Location / Ubicacion
Brevard County, Florida
Estimated Rate / Tasa Estimada
5.875% APR
FL Chapter 494 Compliant | NMLS Verified
Why CoStay
National lenders built platforms. We built the one Florida actually needs.
🇧🇪
Bilingual-first, not translated
Every screen, every form, every notification exists in both English and Spanish from the ground up. Not a Google Translate afterthought. Built by people who understand the community. When your biggest financial decision is on the line, you deserve to understand every word.
🏡
Realtor marketing tools
Connect with Florida realtors through integrated marketing. Send compliant ads, share listings, and build the lender-realtor partnerships that close deals faster.
⚡
Digital-first experience
Apply, upload documents, track progress, and close entirely online. No branch visits. No fax machines. Modern mortgage lending for modern Florida.
Compliance Built In
Florida mortgage regulations are complex. Your platform shouldn't make them harder.
📜
Chapter 494 Compliant
Florida Statute Chapter 494 requirements are embedded in every workflow, from application to closing.
🔐
NMLS Integration
Loan originator verification, registration tracking, and quarterly Mortgage Call Reports built into the system.
🕒
7-Day Document Tracking
Automated alerts ensure borrower documentation meets Florida's 7-day receipt requirement. Never miss a deadline.
📋
Uniform Forms (MU1/MU2)
NMLS-approved application forms integrated directly into the borrower experience. No manual paperwork.
💰
Rate Cap Validation
Loan terms are automatically checked against Florida consumer protection statutes before being presented to borrowers.
🛠
SAFE Act Ready
Education tracking, testing verification, and registration management for all licensed loan originators on the platform.
6.7M
Hispanic residents call Florida home, the 3rd largest population in the US
92.6%
Of total US household growth driven by Hispanic homebuyers
~5.9%
Projected mortgage rates in late 2026, driving new buyer activity

The market is moving. The platforms aren't.

Florida's mortgage market is rebounding. Rates are easing, inventory is growing, and buyer demand is climbing. Hispanic households are driving nearly all US homeownership growth.

Yet the biggest mortgage platforms still treat bilingual support as a checkbox. A translated FAQ page. A phone line with hold music. That's not serving a community. That's acknowledging they exist.

CoStay is built differently. Every interaction, in both languages, from the first rate quote to the closing table. Because 6.7 million Floridians deserve a mortgage platform that was built for them, not adapted for them.

Homeownership should never be lost in translation

CoStay Mortgage is building the lending platform that Florida's bilingual communities have been waiting for. Compliant, digital, and fluent in the language of home.