The Mortgage Works Incorporated
(772) 678-3400

Home Loans
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Now is a great time to purchase or refinance, so let us walk you through the whole loan process.

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We have loan officers in your community that thrive on helping you find the right mortgage to fit your needs.

Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

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Our mortgage calculators help you hone in on your future mortgage based on options, interest rates, and more.

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Home Purchase and Refinance Loans in Florida and Colorado

Welcome to the official site of The Mortgage Works. We are a full-service mortgage company serving Florida and Colorado. We specialize in Home Purchase and Refinance Loans.  Whether you are buying a home or refinancing, we can help you realize your dream of home ownership, get cash-out from your home equity or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | Jumbo | Conventional


Refinancing? We can help you with that, too!

We offer a wide range of refinance options designed to best meet the needs of local borrowers. If you're looking for cash out or just to get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Jumbo

What makes The Mortgage Works unique is that we offer the following niche programs as well: Florida Hometown Heroes Down Payment Assistance, Chenoa Down Payment Assistance.

Contact The Mortgage Works today to discuss your mortgage loan options and find out which loan program will best suit your needs.

What our clients say about us!

I have nothing but positive things to say about my experience with Richard. I was a new home buyer and Richard made sure to answer all of my questions/concerns thoroughly, he would even take random calls from me to answer any questions I had that came spontaneously through the process.
- Maria
Colorado
Outstanding! As a Realtor that has worked with Rich for over a decade, he continues to impress me with his high level of customer service, great rates and low costs for obtaining a mortgage. His attention to detail is just amazing and refreshing not only as a Realtor but also to clients he serves. 5 stars is not enough.
- Deb S.
Colorado
Great experience with Rich on two transactions. He is very knowledgeable, professional, and responsive. I would not use anyone else if I have to go through purchasing a new home again.
- Gabi B.
Colorado
Working with Richard was a refreshing experience as he is in constant contact with all parties involved. He provided updates at every stage of the process. I would recommend Richard to any new client. They will be in good hands.
- Eric W.
Florida
As a local Realtor, I have been working alongside Richard for 5 or so years. He is professional, gets the job done and done well. When talking to buyers, I consistently recommend they talk to Richard. Since then, I have never heard a bad word from any buyer I send their way.
- Richele S.
Florida
Use The Mortgage Works.. Use Richard Oakley!! He really is sincerely thee best! Don’t know how else to put it, but.. he put the “WORKS” in the company’s title! I could tell of his wonderful work being done during my home buying process; however, I am quite sure he also made things seem easy (having his incredible skillset), all the while, working tirelessly behind the scenes on things that had to get done, that I’m sure I had not even the slightest clue on what allll was in fact getting done!! Need your loan and home buying plans to work out?! Then Call Richard.
- Ms. B.
Florida

Contact Us

5502 NW Chapel Ct
Port St Lucie, FL 34986
Phone: (772) 678-3400
r.oakley@etmwi.com