Helping You Secure the Perfect Home – with Local Expertise, Clear Guidance, and Unmatched Service

SBB Mortgage Group | Trusted Mortgage Experts

At SBB Mortgage Group, we make Florida homeownership simple, stress-free, and achievable. Whether you’re buying your first condo in Miami, upgrading to a larger home in Orlando, or finding the perfect Gulf Coast retreat, we’re here to guide you from start to finish — with clarity, confidence, and care.

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Your Homeownership Journey Starts Here

Welcome to SBB Mortgage Group – where we help turn your dream of owning a home into reality. Whether you’re buying your first home, upgrading for more space, or looking for the perfect beachfront retreat, we make the process smooth and stress-free.
The mortgage process can feel overwhelming, but that’s where we stand out. We don’t just approve loans – we guide you every step of the way with personalized solutions, clear explanations, and support that fits your financial goals.
Led by Yanexy Berti, a mortgage expert with deep knowledge of Florida’s market, our team blends local insight with top-tier service.

Why Choose SSB Mortgage Group for Your Home Loan?

01 Local Expertise You Can Trust

Mortgage Experts Who Truly Know the Market
At SBB Mortgage Group, We understand the unique challenges and opportunities here, from hurricane insurance requirements to how different regions impact property values.
Our local knowledge means we can guide you through state-specific rules, explain market trends, and connect you with trusted professionals.

02 Comprehensive Mortgage Solutions Under One Roof

As a full-service mortgage brokerage, SBB Mortgage Group offers access to a wide range of loan products and lenders. This means we're not limited to a single institution's offerings – instead, we shop the market to find the best rates, terms, and programs that match your unique financial situation and homeownership goals.

Comprehensive Mortgage Products and Services

01.

Conventional Loans: Traditional Financing with Competitive Advantages

Conventional loans remain the most popular choice for qualified borrowers, and for good reason. These loans offer competitive interest rates, flexible terms, and the ability to avoid mortgage insurance with a sufficient down payment. SBB Mortgage Group works with multiple conventional loan providers to ensure you receive the most favorable terms available based on your credit profile and financial situation.
Conventional loans are ideal for borrowers with strong credit scores (typically 620 or higher), stable employment history, and the ability to make a down payment of at least 3-5%. With loan amounts up to $766,550 in most Florida counties (and higher in some high-cost areas), conventional loans provide excellent flexibility for a wide range of homebuyers.

02.

FHA Loans: Making Homeownership Accessible

Backed by the Federal Housing Administration, FHA loans are designed to make homeownership accessible to a broader range of borrowers. These government-backed loans are particularly beneficial for first-time homebuyers and those who may not qualify for conventional financing due to credit challenges or limited down payment funds.
FHA loans allow down payments as low as 5.99% and accept credit scores starting at 580. Even borrowers with credit scores between 500-579 may qualify with a 10% down payment. SBB Mortgage Group expertise with FHA lending ensures you understand all program requirements and maximize your chances of approval.

03.

VA Loans: Honoring Those Who Served

SBB Mortgage Group is honored to assist our nation's veterans, active-duty service members, and eligible surviving spouses with VA home loans. These loans, backed by the Department of Veterans Affairs, offer some of the most favorable terms available in mortgage lending, including no down payment requirements, no private mortgage insurance, and competitive interest rates.
Our team understands the unique aspects of VA lending, including the Certificate of Eligibility requirements, VA funding fees, and property condition standards. We're committed to making the VA loan process as straightforward as possible while ensuring you maximize the benefits you've earned through your service.

04.

USDA Rural Development Loans: Rural Florida Opportunities

For homebuyers interested in Florida's rural communities, USDA loans provide an affordable path to homeownership with zero down payment requirements. These loans are designed to promote homeownership in smaller communities and rural areas, many of which offer excellent quality of life, lower cost of living, and strong community connections.
Florida has numerous USDA-eligible areas, from agricultural regions in central Florida to small coastal communities. SBB Mortgage Group can help you determine property eligibility and navigate the USDA loan process efficiently.

05.

Jumbo Loans: Financing High-Value Florida Properties

Florida's luxury real estate market demands specialized financing solutions. Jumbo loans exceed the conforming loan limits set by the Federal Housing Finance Agency, allowing qualified borrowers to purchase high-value properties throughout the state. Whether you're eyeing oceanfront property in Miami Beach, a luxury estate in Naples, or a custom home in an exclusive Orlando community, SBB Mortgage has access to competitive jumbo loan programs.
Our jumbo loan expertise includes understanding the enhanced documentation requirements, higher credit standards, and specialized underwriting processes that accompany these larger loan amounts.

06.

Refinancing: Optimizing Your Current Mortgage

Your mortgage relationship doesn't end at closing. As market conditions change and your financial situation evolves, refinancing can provide opportunities to reduce monthly payments, shorten loan terms, eliminate mortgage insurance, or access your home's equity for other financial goals.
SBB Mortgage Group provides comprehensive refinancing services including rate-and-term refinancing, cash-out refinancing, and streamlined refinancing options for existing FHA and VA borrowers. Our team analyzes your current mortgage terms against available market options to determine if refinancing makes financial sense for your situation.

07.

HELOCs (Home Equity Lines of Credit).

A flexible way to access your home’s equity for major expenses, renovations, or personal goals. HELOCs provide ongoing access to funds, giving you control over when and how you use them.

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Serving All of Florida: Statewide Coverage with Local Insight

SBB Mortgage Group proudly serves the entire state of Florida, from the panhandle to the Keys. Our statewide coverage means we understand the diverse markets, regulations, and opportunities across Florida's 67 counties.

South Florida: Miami-Dade, Broward, and Palm Beach Counties

South Florida's international appeal, diverse economy, and year-round sunshine create a dynamic real estate market. We understand the unique aspects of condo lending in Miami's high-rise market, the family-friendly communities of Broward County, and Palm Beach's luxury market dynamics.

North Florida: Jacksonville, Tallahassee, and Emerging Markets

North Florida offers affordability, cultural richness, and growing economic opportunities. We understand the unique dynamics of university towns, military communities near Naval Air Station Jacksonville, and the growing appeal of cities like Gainesville and Ocala.

Southwest Florida: Naples, Fort Myers, and Gulf Coast Communities

The Gulf Coast combines natural beauty with growing populations of retirees and young families. Our expertise includes understanding flood insurance requirements, seasonal market dynamics, and the luxury market segments that define much of Southwest Florida.

Meet Yanexy Berti

Yanexy Berti, founder and CEO of SBB Mortgage Group, brings a powerful mix of experience, industry knowledge, and genuine dedication to every client she serves. With years of expertise working with direct lenders, builders, investors, and in the brokerage channel, she understands the nuances of a wide range of mortgage needs.
Working with clients across and beyond, Yanexy provides mortgage solutions tailored to each client’s needs, whether for a new home, a vacation property, or an investment opportunity. She combines technical skills with a personal touch, ensuring each client feels informed, confident, and supported throughout the mortgage process.
Passionate about building lasting relationships, Yanexy is committed to educating borrowers, streamlining the loan process, and helping clients achieve both their immediate and long-term financial goals.

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Our Core Values: The Foundation of Every Loan

Integrity in Every Transaction

We believe in honest, transparent communication from day one. With us, you will never encounter hidden fees or misleading information. We will tell you what you need to hear, not just what you want to hear, to ensure your financial success.

Client-Centric Approach

Cookie-cutter solutions don't work in the mortgage world. We take the time to truly understand your financial situation, goals, and lifestyle. We tailor our approach to align with your objectives, whether it's minimizing monthly payments or building equity quickly.

Excellence in Service and Execution

Excellence isn't a goal; it's our standard. From the initial consultation to closing, we maintain rigorous attention to detail and proactive communication to deliver an efficient and stress-free mortgage experience.

Commitment to the Florida Community

As a locally-owned Florida business, we are deeply invested in the prosperity of our communities. We don't just close loans; we help build stronger neighborhoods and support the local economy. When you choose us, you are supporting a business that gives back to the very community you are joining.

Client Success Stories: Real Results for Real People

I am beyond grateful for Yanexys and her guidance throughout this entire process. Financing is not easy, and it can feel overwhelming at times, but she truly makes everything feel simple and manageable. Her professionalism, patience, and dedication made all the difference. I highly recommend Yanexys to anyone looking for a smooth and supportive experience.

Olivia Oliva SarmientoClient

SBB Mortgage Group's service was beyond excellent; words can't describe everything they did to help me buy my first home. Yanexy, with all her experience and patience, was key to understanding the process. Every time I had questions (and there were many), she explained everything in detail so I could fully understand what was happening. Yanexy, thank you so much for helping me get my first home. God put her in my path. I recommend her 1000%.

Sonya AdamnsClient

Thank you, Yanexys, for making the house purchase such a pleasant experience! Throughout the entire process, I felt very secure. Everything went exactly as you explained from the beginning. You were always very attentive, and I highly recommend you. You were sincere, kind, and efficient. Thank you again! You made everything stress-free and easy. Don't hesitate to contact you if you need financing!

YuyaClient

Ready to Begin Your Journey with a Trusted Partner?

Whether you're ready to start your mortgage application today or simply want to explore your options and learn more about the homebuying process, SSB Mortgage Group is here to help. We offer free, no-obligation consultations where we'll assess your situation, explain your options, and provide honest guidance about your next steps.
Contact SBB Mortgage Group today to discover how we can help turn your homeownership dreams into reality. Your future home is waiting – let's make it happen together.