Your buyers are already asking AI.
Make sure it answers in your voice.

Same day, and usually within the hour during business hours. You get a direct cell number, not a call center queue or a general inbox. If a deal is time sensitive, text is the fastest path. The reason this matters is that most coastal Florida deals die in the gap between an offer being accepted and the financing picture becoming clear. Closing that gap is the job.

They get told exactly what to fix and roughly how long it will take, then they go back to you. They are your client, not mine. Nobody gets poached, nobody gets recycled into a separate lead funnel, and nobody gets handed off to another agent. A buyer who is told the truth at month one and comes back ready at month eight is worth more to both of us than a buyer who wastes a summer under contract on a deal that was never going to close.

Regularly. A decline from a retail bank usually means the file did not fit that one lender's overlay, not that the borrower cannot be financed. Self employed income, foreign national buyers with no US credit, non-warrantable condos, short term rental income, and properties in VE flood zones all get declined constantly by lenders who only run agency paper. Those deals route to DSCR, bank statement, asset depletion, or portfolio products instead. Send the denial letter along, it usually shows exactly which overlay killed it.

Marina Pro is a co-branded version of Marina Vale, the coastal mortgage AI concierge, set up under your name and branding. Your buyers ask her about flood zones, insurance costs, condo questions, and financing at eleven at night, and she answers in your voice instead of sending them to a national portal that will sell their information to five other lenders. It is free for active Realtor partners. There are no tiers and no invoice.

Yes, within RESPA limits. Co-marketing means both parties pay their fair share of the actual cost of a marketing piece, in proportion to the space and benefit each receives. Common formats are co-branded listing flyers, coastal buyer guides for a specific market, open house financing sheets, and joint educational content. What cannot happen under RESPA Section 8 is paying you for referrals, covering costs that are properly yours, or providing anything of value in exchange for business. Every arrangement gets documented with a written agreement.

Yes, and on coastal property you should insist on it. A pre-approval that ignores insurance is not a pre-approval. In coastal Florida a buyer can be comfortably approved on paper and then fail once the real wind, flood, and HO3 premiums hit the payment, because insurance can add one to three thousand dollars a month on a waterfront property. Running full PITI with realistic coastal insurance before the offer goes in is the single best way to keep a deal from dying at week four.

The whole state, with the deepest specialization in the Florida Keys and Monroe County, plus Naples, Palm Beach County, Tampa Bay, and the Panhandle from Pensacola through 30A and Panama City Beach. Coastal underwriting is not uniform across Florida. Monroe County has its own insurance and permitting reality, the Panhandle carries post-hurricane rebuild documentation issues, and Southwest Florida still has Ian-related insurance history on many files.

Call or text (305) 424-9005, or email eli@themortgagedock.com. There is no partner agreement to sign and no volume commitment. Most agents start by running one live scenario, usually a deal that is already stuck somewhere else, and go from there.