Our licensing, NMLS disclosure, editorial standards, and advertising and Equal Housing disclosures — the transparency you should expect from a Florida mortgage company.
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FHA Mortgages Florida is the FHA loan website of Matthew Gromadzki, a Florida-licensed Mortgage Loan Originator, NMLS #2560919. Mortgage loans are originated through Innovative Mortgage Services, Inc., NMLS #250769, a licensed Florida mortgage company. Licensing is overseen by the Florida Office of Financial Regulation. You can verify our license and standing through the official NMLS Consumer Access database at nmlsconsumeraccess.org.
Matthew Gromadzki — NMLS #2560919. Innovative Mortgage Services, Inc. — NMLS #250769. Loan originators are individually licensed; NMLS identification numbers appear on loan documents and can be verified free of charge at nmlsconsumeraccess.org. Matthew Gromadzki is also a licensed Florida real estate broker; when acting in both capacities on the same transaction, that dual role is disclosed in writing, and you are never required to use any affiliated service. This site is not a government agency and is not affiliated with or endorsed by HUD or the FHA. Equal Housing Lender / Equal Housing Opportunity.
Our educational content is written to be accurate, helpful, and current. FHA program details — including loan limits, mortgage insurance figures, and guidelines — are based on published HUD and Florida Housing information and are reviewed periodically. Because rates, limits, and programs change, we encourage readers to verify time-sensitive figures (such as loan limits via HUD's official lookup) and to confirm details with a licensed loan officer before relying on them. This content is for general information only and is not financial, legal, or tax advice.
This website is a mortgage origination website intended to connect Florida home buyers and homeowners with mortgage financing. We may be compensated through standard lending channels when we originate or broker a loan. The information presented is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, income and asset verification, property appraisal, and FHA program guidelines. Rates, terms, and programs are subject to change without notice and not all programs are available in all areas.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, disability, familial status, or because all or part of your income may be derived from any public assistance program.
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