The Treasure Coast Is Different. Your Mortgage Strategy Should Be Too.
Buying in Port St. Lucie? Moving to Tradition? Investing in Fort Pierce? From first homes to investment properties, Peoples Choice Mortgage helps you navigate financing with local knowledge, real options, and straight answers.
One Coast. Different Communities. Different Real Estate Decisions.
The Treasure Coast isn't one uniform housing market. The property types, insurance considerations, association requirements, and financing challenges can change from one neighborhood to the next.
Port St. Lucie & St. Lucie West
Established neighborhoods, growing communities, single-family homes, and opportunities for buyers moving within Florida or relocating from other states.
Tradition & New Construction
Master-planned communities, builder incentives, HOA and CDD considerations, and financing decisions that deserve careful comparison.
Fort Pierce & St. Lucie County
Historic neighborhoods, waterfront properties, renovation opportunities, and residential investment scenarios.
Stuart, Palm City & Martin County
Established communities, waterfront homes, condominiums, and properties where insurance, association requirements, and loan structure deserve extra attention.
Specific property and financing conditions vary by neighborhood, property type, and lender guidelines.
The Mortgage Payment Is Only Part of the Equation.
In Florida, understanding the full cost of ownership matters just as much as qualifying for the loan.
Property Insurance & Windstorm Coverage
Florida windstorm and homeowners insurance can significantly impact your monthly payment. We factor it in from the start, not after you've already fallen for a property.
Flood Zones & Flood Insurance
Many Treasure Coast properties sit in or near flood zones. Flood insurance may be required and can change the affordability math.
HOA & CDD Fees
Community Development District and HOA fees vary widely across Treasure Coast neighborhoods and affect what you can truly qualify for.
Property Taxes & Reassessment
Florida property taxes may be reassessed after a purchase. We help you plan for the real number, not the seller's current bill.
Condo Financing & Association Eligibility
Condo project approval, association financials, and lender requirements can make or break a condo purchase. We review eligibility early.
Different Buyers. Different Financing Strategies.
First-Time Homebuyers
FHA, conventional, and potentially eligible assistance programs for buyers ready to plant roots on the Treasure Coast.
Explore OptionsMilitary & Veterans
VA purchase and refinance options for eligible active-duty service members, veterans, and qualifying spouses.
Explore OptionsSelf-Employed Buyers
Bank statement and alternative documentation programs where available — your tax return isn't always the whole story.
Explore OptionsReal Estate Investors
DSCR, rental property financing, and portfolio expansion strategies built around the property's cash flow.
Explore OptionsMove-Up & Luxury Buyers
Conventional, high-balance, and jumbo financing solutions for buyers stepping up to their next home.
Explore OptionsCurrent Homeowners
Refinancing, equity access, and loan restructuring options to help you make the most of what you already own.
Explore OptionsBuying Rental Property? Let's Talk Strategy, Not Just Loans.
The Treasure Coast offers different types of residential investment opportunities. Financing should be evaluated based on the property, projected cash flow, reserves, acquisition goals, and long-term investment strategy.
DSCR programs are for eligible business-purpose investment transactions, subject to lender guidelines and borrower qualification.
Talk Investor FinancingYour Bank Has Its Products. We Help You Explore Your Options.
As an independent mortgage brokerage, Peoples Choice Mortgage works with wholesale lending partners to evaluate available programs for your financial situation and property goals.
More Options
Access to multiple wholesale lending partners and eligible programs — not just one lender's product shelf.
Better Strategy
Financing decisions evaluated around your complete scenario, not just one loan product or one set of guidelines.
Local Accountability
A Florida-based mortgage team that understands the Treasure Coast communities it serves — and answers the phone.
Local Mortgage FAQs
Straight answers from a Treasure Coast mortgage broker.
Local Roots. Real Experience. Straight Answers.
Shawn Hendricks Sr. is an owner and mortgage broker with Peoples Choice Mortgage. He lives and works on Florida's Treasure Coast, bringing extensive mortgage industry experience and a practical understanding of the local housing market.
His focus includes home purchase financing, self-employed borrowers, investment properties, DSCR financing, and helping clients navigate complex mortgage scenarios.
Shawn believes mortgage advice should be straightforward, strategic, and focused on the client's goals.
Shawn Hendricks Sr. | NMLS #360225
Buying, Refinancing, or Investing on the Treasure Coast?
Let's talk about your property, your goals, and the financing options that make sense for your situation.
Peoples Choice Mortgage, LLC | NMLS #1695859
Shawn Hendricks Sr. | NMLS #360225 | Florida LO License #LO73587 | Florida Mortgage Broker License #MBR3768 — Licensed by the Florida Office of Financial Regulation
Peoples Choice Mortgage, LLC is a mortgage broker, not a direct lender. Equal Housing Lender. This is not a commitment to lend. Not all applicants or properties will qualify. All financing is subject to borrower eligibility, property eligibility, underwriting, and lender approval. Rates, terms, and loan programs are subject to change without notice. Government-backed loans (such as FHA and VA) are not government endorsements and are subject to program guidelines and lender requirements.
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