Real Mortgage Guy connects South Florida homebuyers and homeowners to the best rates from a wide network of lenders — with personal one-on-one guidance from application to closing.
We are not affiliated with any single bank. Every recommendation we make is driven entirely by what is best for you and your financial goals.
Sam personally manages every client relationship from the first call to closing — no hand-offs, no confusion, no dropped balls.
Rather than being limited to one institution's products, we compare options across multiple funding sources to maximize your leverage.
Sam speaks Armenian, English, and Russian — ensuring every client can communicate clearly and comfortably throughout the process.
Meticulous attention to detail and a commitment to transparency mean you always know where your loan stands and what comes next.
Deep roots in Boca Raton, Delray Beach, Boynton Beach, Highland Beach, and Hillsboro Beach give us local market knowledge that matters.
We use our expertise to ensure that we find you the best solution for your financing needs. From purchase to refinance, we cover every angle.
Whether you're buying your first home or adding to your portfolio, we match you with the ideal loan product and guide you through every step.
Lower your monthly payment, shorten your term, or access better terms. We search the market to find a refinance rate that makes a real difference.
Tap into your home's equity to fund a renovation, consolidate debt, or make your next investment. We'll help you evaluate whether this is the right move.
Don't settle for the first offer. We compare loan options across multiple lenders side by side, so you can make an informed decision.
When timing is critical, we move quickly. Our network and streamlined process allow us to accelerate the path to funding without sacrificing quality.
Thinking about selling or refinancing? We'll help you evaluate your property's current value and understand your equity position and available options.
NMLS# 2505489
Licensed Mortgage Broker
Real Mortgage Guy is the personal brand of Aram "Sam" Sargsyan (NMLS# 2505489), an independent mortgage broker operating through Moonstone Mortgage Group in South Florida. Sam built his practice on a simple but powerful belief: the mortgage process should feel personal, transparent, and stress-free — not confusing and adversarial.
Sam serves as the sole point of contact for every client, from the first conversation through closing day. That means no handoffs, no miscommunications, and no surprises. He serves buyers and homeowners across Boca Raton, Delray Beach, Boynton Beach, Highland Beach, and Hillsboro Beach.
His commitment to meticulous attention to detail, clear communication, and unwavering integrity has earned the trust of clients across South Florida — including those who speak Armenian, English, and Russian.
Five steps, one dedicated broker, zero confusion.
Sam takes time to understand your financial situation, goals, and timeline before recommending any loan product. This personal intake sets the foundation for the right strategy.
With access to multiple lenders, Sam compares rates and terms across a broad network — doing the legwork so you don't have to shop around yourself.
You receive a clear side-by-side comparison of your options. Sam walks you through the trade-offs and recommends the loan that fits your needs and budget.
Sam manages the application, documentation, and lender communication from start to finish, keeping you informed at every milestone and removing every obstacle.
With a proactive, detail-oriented approach, Sam ensures your loan closes on schedule — so you can take possession of your home without unnecessary delays.
Our loyalty is entirely to you. We negotiate on your behalf across multiple lenders to secure the most competitive terms.
Established relationships with a wide network of funding sources give you more options and better leverage.
Our streamlined process cuts through the paperwork so you spend less time waiting and more time moving toward your goals.
Timing matters in real estate. We manage every detail proactively so you can sign with confidence and never lose a deal.
100%
Financing Available
3+
Languages Spoken
5
South Florida Markets
1
Dedicated Point of Contact
"Aram was fantastic to work with! He was professional, knowledgeable, and dedicated from start to finish. Aram listened to my needs, provided invaluable guidance, and helped me find the perfect townhouse. His expertise and negotiation skills were impressive."
Armanush Torosyan
Townhouse Purchase · Boynton Beach 2024
"Sam was fantastic! He provided excellent customer service, always responsive and attentive to my needs. His professionalism and market knowledge made the entire process smooth and stress-free. Highly recommend!"
Mike Kalo
Home Purchase · South Florida
"I know Sam for a long time. He is professional and takes his job very seriously. If you are looking for someone who can get the job done fast and near to perfection, Sam is the guy to go to."
Robert Hayrapetyan
Mortgage Client · Boca Raton
A bank can only offer you their own loan products. As an independent mortgage broker, Real Mortgage Guy has access to multiple lenders and can compare options on your behalf — often finding better rates or terms than you'd get going directly to a single institution.
We work with clients across Boca Raton, Delray Beach, Boynton Beach, Highland Beach, and Hillsboro Beach — and throughout the greater South Florida region.
Our process is designed to move efficiently. With direct lender relationships and a streamlined application process, we work to get you approved and funded as quickly as your situation allows.
Potentially, yes. We offer loan packages that include 100% financing options for qualified buyers. The best way to find out what you qualify for is to start a conversation with Sam.
That depends on your current rate, loan balance, remaining term, and goals. Sam will evaluate your specific situation and run the numbers honestly so you can decide with full information — no pressure.
A cash out refinance lets you borrow against your home's equity, replacing your existing mortgage with a larger one and receiving the difference in cash. It can be a smart tool for renovations, debt consolidation, or investment — but it depends on your equity position and goals.
Absolutely. Sam guides first-time buyers through every step of the process — from pre-approval to closing — making sure you understand your options and feel confident at every stage.
Simply call 954-541-0041 or email sam@moonstone.mortgage to schedule a free consultation. Sam will review your situation and outline your best path forward.
Talk directly to Sam. No bots, no call centers, no runaround. Just expert advice and a clear path forward.