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About us

Beyond The Expected.

Unreal Mortgage is a veteran-owned, independent mortgage brokerage built around one simple idea: the mortgage experience should be better.

Our story

Unreal Mortgage is the next chapter of a team that spent years building one of Northeast Florida's leading independent brokerages. When the franchise that helped us get our start closed in 2026, we took everything we had learned and built and started fresh under our own name. We're local. We're independent. And we're committed to delivering an experience that goes Beyond the Expected.

Our team

Our loan originators bring more than 25 years of combined mortgage experience, backed by a reputation built on knowledge, reliability, communication, and getting deals to the closing table. We take pride in having a team that understands this business, knows how to navigate complex scenarios, and genuinely cares about the people we work with.

Our expertise

From conventional, FHA, VA, USDA and jumbo loans to construction financing, refinancing, HELOCs, and DSCR investment loans in more than 40 states, we have the experience and resources to find the right solution — whether you're buying, building, refinancing, or investing.

1

Veteran-owned

Founded by a U.S. Air Force veteran. Discipline, follow-through, and straight answers come with the territory.

2

Independent

We're a brokerage, not a bank — we shop your scenario across lenders and bring the fit back to you.

3

Local

Based in Palm Coast and serving all of Florida, with investor financing available across the country.

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Contact

Unreal Mortgage
460 Palm Coast Pkwy
Suite 1
Palm Coast, FL 32137
T: 386-246-1656
jaydcapela@unrealmortgages.com
NMLS #1956258
NMLS Consumer Access →
Licensed in: FL

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State Disclosures

FL: Licensed by the Florida Office of Financial Regulation.

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