Matthew Dotson
Tyler does a great job. Work hard to make it as easy as possible.
Google Review
Lakeland, Florida — Independent Mortgage Broker
Florida's IndependentMortgage Broker
We shop dozens of lenders to find the best rate and terms for your unique situation — not just the loan that's easiest for us.
Licensed in Florida & Michigan · NMLS# 1501679 · Independent Broker · No Bank Overlays
The Broker Advantage
Why Work With an Independent Broker?
Unlike a bank or retail lender, we work for you — not a single institution. That means we can shop your loan across dozens of wholesale lenders to find the best rate, terms, and program for your situation.
Access to Dozens of Lenders
We're not limited to one product shelf. We compare wholesale rates from multiple lenders on your behalf.
Lower Rates, Less Overhead
Wholesale pricing means you typically get better rates than walking into a retail bank branch.
Transparent, Honest Guidance
We explain every option in plain language so you can make a confident, informed decision.
Loan Programs
Loan Programs for Every Buyer
01
Conventional
The most common loan type — flexible down payment options, competitive rates, and no upfront mortgage insurance with 20% down.
Learn More →02
FHA
Government-backed loans with as little as 3.5% down. Great for first-time buyers or those rebuilding credit.
Learn More →03
VA
Exclusive to veterans and active-duty service members. Zero down payment, no PMI, and competitive rates.
Learn More →04
USDA
100% financing for eligible rural and suburban properties. No down payment required for qualifying buyers.
Learn More →05
Jumbo
Financing above conventional loan limits for higher-value properties, with flexible underwriting options.
Learn More →06
Refinance
Lower your rate, reduce your term, or tap your equity. We'll find the refinance program that makes the most financial sense.
Learn More →07
First-Time Buyer Programs
Down payment assistance, reduced PMI, and special rate programs designed to help first-time buyers get into a home.
Learn More →What Our Clients Say
Mark Lynch
Scott was great to work with great communication. Our home purchase process was very smooth and stressless he walked us through every step.
Google Review
Jon Smith
Great refinance experience honest numbers no hidden fees. Straight forward financing with knowledgeable financiers.
Google Review
Dylan Orth
Tyler was amazing! I am a first time home buyer and he was extremely patient with me. He helped in every step of the process and I never felt rushed or overwhelmed.
Google Review
Austin Duncan
Tyler is the man, he helped navigate me through a very particular and picky loan and did a great job!! I ended up getting the exact loan we wanted and a beautiful house at a very competitive rate. 10/10 Tyler!
Google Review
Richi Rodriguez
Great service! Simple hassle free
Google Review
Our Team
Meet Your Loan Team
Experienced, licensed professionals dedicated to finding the right loan for you.
Scott Kontny
Owner | Licensed Mortgage Broker | Loan Originator
NMLS# 134040
Scott is the owner of Loantrust Mortgage, Inc. and works directly with every borrower — from the first conversation about what they can comfortably afford through every detail before closing. Clients never get passed off to a loan assistant.
VIEW PROFILE →
Tyler Moore
Licensed Mortgage Loan Originator
NMLS# 2242233
Tyler brings a client-first approach to every transaction, guiding borrowers through the mortgage process with clarity and care.
VIEW PROFILE →
Cade Kontny
Licensed Mortgage Loan Originator
NMLS# 2600490
Cade is licensed in Michigan and brings fresh energy and dedication to helping clients achieve their homeownership goals.
VIEW PROFILE →
Michele Rolwes
Licensed Mortgage Loan Originator
A Lakeland local with nearly a decade of experience, Michele is passionate about helping Florida families find the right mortgage solution.
VIEW PROFILE →Mortgage Calculator
Estimate Your Monthly Payment
Use our quick calculator to get a ballpark figure, then talk to us for a precise rate quote.
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Estimated monthly payment updated: $2,328.56 principal and interest only
Estimated Monthly Payment
$2,328.56
Principal & interest only. Does not include taxes, insurance, or PMI.
FAQ
Common Questions
Get Started Today
Ready to Get Started?
Whether you're buying your first home or your fifth, we'll find the right loan for you. No pressure, no runaround — just honest mortgage advice.