All rights reserved © 2025 Mortgages in Florida. Content provided by Bryan Berns. The information on this site is for general informational purposes only and should not be considered professional or legal advice. Bryan Berns is a licensed mortgage originator (NMLS ID: 2121466) with Orca Home Loans (NMLS ID: 1904915), as well as a licensed real estate broker for Local Choice Realty (Company License #CQ1066875, Broker License #BK3249667) and Firelight Realty LLC (Company License #CQ1071151, Broker License #BK3618997). Referrals between these entities may result in financial benefit for Bryan Berns; however, you are under no obligation to use the services of one or both entities in any capacity.