How Can Florida Real Estate Agents Partner with a Local Mortgage Broker?
Florida real estate agents close more deals when their buyers come pre-approved through a mortgage broker who delivers. PHILANYA, INC. is a 100% Veteran-Owned independent mortgage brokerage in Saint Augustine, Florida that partners with agents across the state. We bring fast pre-approvals, access to multiple wholesale lenders, honest communication, and a broker who has been doing this since 1993. Your clients get options. You get reliability.
Reach out to start a referral relationship or call 904-824-9133.
Why Florida Agents Partner with PHILANYA
Fast, credible pre-approvals. A pre-approval from an independent broker who has reviewed income, assets, and credit carries real weight with listing agents. PHILANYA moves quickly and communicates what the file looks like — so your buyers can make competitive offers without delays.
Multiple wholesale lenders, not one bank. When a buyer's situation is complex — self-employed income, non-standard credit, a VA loan, a USDA-eligible property — we have options. We do not turn clients away because their profile doesn't fit one product.
Reliable communication throughout the transaction. Agents lose deals when the lender goes quiet. At PHILANYA, you and your client both know where things stand. Philip Seely runs a small, accountable team — you are not passed between departments or stuck in a call center queue.
Veteran-owned, Florida-proud. Philip Seely is a U.S. Army veteran and has been a mortgage loan officer since 1993. That background shapes how the business runs: discipline, directness, and follow-through.
Florida statewide service. Whether your listing is in Saint Augustine, Jacksonville, Tampa, Orlando, Fort Lauderdale, or Naples, PHILANYA can work with your buyers across all 67 Florida counties.
What PHILANYA Offers Your Buyers
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VA loans — zero down payment for eligible veterans, no PMI
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FHA loans — government-backed financing, flexible credit requirements
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USDA loans — zero down for eligible Florida rural and suburban areas
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Conventional loans — standard purchase and refinance financing
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Down payment assistance — including Florida Hometown Heroes and county DPA programs
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HELOCs and bridge financing — for buyers leveraging existing equity
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Reverse mortgages (HECM) — for buyers or sellers 62+ exploring options
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Self-employed borrower solutions — bank statement programs and non-QM options
Referring a buyer to PHILANYA is simple. No formal sign-up required.
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Introduce your buyer to PHILANYA — by phone (904-824-9133), or through philanya.com
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PHILANYA runs the pre-approval — with clear communication on what the file looks like and what the buyer qualifies for
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You get a reliable mortgage partner through the transaction — updates, timeline clarity, and a broker who picks up the phone
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Both your client and your commission are protected — we work to close on time and on terms
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For Agents Who Also Want Their MLO License
Some Florida real estate agents are considering adding a Mortgage Loan Officer license to expand their service offering. Philip Seely teaches the MLO Bootcamp — a three-day training program covering the Florida NMLS licensing process, how to find clients (lead gen), and how to build a mortgage practice. Graduates sponsored by PHILANYA who close their first loan receive full reimbursement of the $299 bootcamp fee.
Learn more about the MLO Bootcamp
Frequently Asked Questions — Real Estate Agent Partners
Q: How can Florida real estate agents partner with a local mortgage broker? There is no formal agreement or sign-up required to begin. Introduce your buyer by phone, text, or through philanya.com — PHILANYA handles the pre-approval and mortgage process from there. Philip Seely works directly with you and your client and keeps communication clear throughout the transaction.
Q: What makes PHILANYA different from referring clients to a bank? Banks are direct lenders — they can only offer their own products. PHILANYA is an independent broker that works with multiple wholesale lenders. Your buyer gets options, not a take-it-or-leave-it offer. For VA loans, self-employed borrowers, USDA properties, or complex situations, access to multiple lenders is often the difference between an approval and a denial. See real estate strategy presentation.
Q: How fast can PHILANYA turn around a pre-approval? For organized buyers who submit income, asset, and credit information promptly, PHILANYA moves quickly. We communicate clearly on what we need and where things stand — not make you chase us for updates. We've closed residential mortgage loans in as quick as six business days (from submission to clear-to-close). We often average fourteen business days compared to retail banks on average, it takes 49 days to close a home purchase loan, but some borrowers can close in as few as 30 days or even less with a straightforward application. Closing times can vary by loan type, with conventional loans averaging 48 days and refinances typically closing faster at around 44 days. (themortgagereports.com, homebuyer.com)
Q: Does PHILANYA work with buyers purchasing outside Saint Augustine? Yes. PHILANYA serves borrowers across all 67 Florida counties — Jacksonville, Orlando, Tampa, Miami, and everywhere in between.
Q: Can I refer VA loan buyers to PHILANYA? Yes, and VA loans are a strength. Philip Seely is a Certified Veteran Lending Specialist by the National Association of Mortgage Brokers (NAMB.org) and a U.S. Army veteran who has been working VA loans since 1993. PHILANYA understands the Certificate of Eligibility process and guides veteran buyers through the steps efficiently. If you are a real estate profession learn how this can grow your business.
Q: Does PHILANYA offer training or MLO licensing support for agents? Yes. Philip Seely teaches two classes relevant to real estate agents: Mastering QuickBooks (for agents managing their own books) and the MLO Bootcamp (for agents who want to add a Florida Mortgage Loan Officer license). Additionally, Philip has three AI Solutions that drive business. Details at philanya.com/book-online. To learn more strategies that other agents are using check out this presentation.