Florida Florida mortgages · Innovative Mortgage Services, Inc. Florida Q1 mortgage 2026 median up 8.4% · ask me about market timing Bilingual service · English & Türkçe Featured listing: 6.875% 30-yr · 7.012% APR
(305) 555-0241
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Birsen Goksu Loan Officer · Florida
Miami Florida aerial view of homes
Mediterranean estate at sunset
Oceanfront luxury villa with infinity pool
Modern luxury villa illuminated at night
Featured rate · 6.875% 30-yr fixed

Where Miami
buys its next chapter.

Birsen Goksu represents discerning buyers and sellers across Florida's most coveted addresses — from Miami-Dade County to Florida County. Your Florida Loan Officer · EN · TR

Get pre-approved in 24 hours View loan programs
FL Lic #SL3742815 | Innovative Mortgage Services, Inc. | EN · TR
Latest listing Just listed
Miami-Dade County estate
Miami-Dade closings
Conventional Loan
6.875%
30-yr fixed · 6.875% rate · 7.012% APR
Details
By the numbers

Nine figures funded.

USD
M+
Funded
Homes
+
Closed
Years
+
In market
Rating
/5
Client rating
What I fund

Loan programs.

Every major loan program — conventional, FHA, VA, jumbo, refinance, HELOC. Pre-approved in 24 hours.

Miami-Dade County estate
Just listed Oceanfront
Miami-Dade · FL

Conventional Loan

5 bed 6.5 bath 6,820 sqft 0.32 ac
6.875%
View program details
Modern Florida Co. villa
For sale
Florida Co.

1300 Florida Co. Bay Drive

5bd · 5ba · 5,210 sqft
$3.2M
Broward County mortgages
Under contract
Broward

VA Loan · 0% down

4bd · 4ba · 3,840 sqft
$2.6M
Orange County mortgages
New
Orange Co

USDA Rural Loan

5bd · 6ba · 6,140 sqft
$5.95M
Modern Hillsborough villa at night
Off-market
Hillsborough

DSCR Investor Loan

Inquire for details
Inquire
What I do

Whether you're buying, selling, or investing.

For buyers

Find the lender most LOs won't introduce you to.

Off-market listings, pre-MLS introductions, and direct relationships with local builders — the kind of access you get from working with someone who has lived this market for three years.

  • Wholesale broker-only programs (best rates)
  • 24-hour pre-approval turnaround
  • Inspector, attorney, and title network ready
  • Avg 0.375% below market on conventional
Get pre-approved
Luxury home interior staged for buyer
For sellers

Closed in 21 days — 30% faster than industry.

End-to-end refinance management — rate watch, document collection, lender shopping, and bilingual support throughout the close. We monitor 14+ lenders daily.

  • Daily rate alerts & lock-when-ready service
  • Featured placement on HousingWire & NMP
  • Avg. 21 day close vs. industry 47
  • Bilingual EN/TR client support throughout
Request a free rate quote
Luxury living room ready for listing
For investors

Investor mortgage programs, ready when you are.

From short-term rental conversions in Broward to 1031-exchange ready Class A multifamily in Duval — structured deals, vetted operators, and modeled IRR. International investors welcome (E-2 / EB-5 guidance available).

  • DSCR loans (1.0+ ratio, no income docs)
  • Bank statement loans for self-employed
  • Asset-depletion programs
  • Foreign national & ITIN programs
Request the investor loan menu
Investment property modern interior
Birsen Goksu portrait
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Birsen Goksu
Loan Officer · NMLS 1284619
"I work the market every day. Always have."
About

From Istanbul to Miami.

Originally from Istanbul, I moved to Atlanta in 1992, Orlando in 2007, and finally settled in Miami in 2022. With a background in marketing, sales, and sociology, I'm passionate about helping families finance their dream homes — turning every closing into a stress-free experience. As a bilingual loan officer at Innovative Mortgage Services (NMLS #1284619), I serve borrowers across Florida with Conventional, USDA Rural, and DSCR Investor loans.

1992
Istanbul → Atlanta
Moved to the U.S., began studies in marketing and sociology.
2007
Atlanta → Orlando
Relocated to Central Florida; expanded into sales and customer-facing finance.
2017
Licensed loan officer
Earned NMLS #1284619; joined Innovative Mortgage Services.
2022
Settled in Miami
Bilingual EN/TR lending across Miami-Dade, Broward, Orange, and Hillsborough counties.
Work with Birsen Read client stories
Where I work

Six neighborhoods. One coastline.

Each market has its own rhythm. Here's where I'm closing today.

Family at new home keys ceremony Miami

The Florida corridor

Avg loan: $480K · 42 loans in pipeline
View market
Broward County Broward

Broward & the gold coast

Avg loan: $410K · 38 in pipeline
View market
Florida County Florida Co.

Florida & the Treasure Coast

Avg loan: $620K · 67 in pipeline
View market
Orange Co (Orlando) Orange Co

Hillsborough & the river homes

Avg loan: $340K · 29 in pipeline
View market
Hillsborough (Tampa) Hillsborough

Equestrian estates & private islands

Avg loan: $410K · 48 in pipeline
View market
Duval (Jacksonville) Duval

Coastal value & investor pipeline

Avg loan: $295K · 245 active
View market
The process

Five steps from discovery to keys.

  1. 1

    Discovery call

    A 30-minute private call — in English or Turkish — to understand your timeline, budget, must-haves, and the kind of life you're trying to build.

  2. 2

    Curated shortlist

    Within 48 hours: a side-by-side loan comparison across 14+ lenders — rates, points, closing costs, all in plain English.

  3. 3

    Private touring

    In-person, helicopter, or video walk-throughs depending on geography. International buyers get same-day video coverage.

  4. 4

    Offer & negotiation

    Strategy session before we submit; competitive offers structured to win without overpaying. My closings average 4.2% under list.

  5. 5

    Close & concierge

    Inspectors, attorneys, lenders, movers — all coordinated. Post-close concierge: utilities, contractors, schools, club memberships.

Client stories
"Birsen found us a home in Miami-Dade that hadn't even been listed yet. He spoke Turkish to my mother on the closing call and English to the attorney on a three-way. That's how he closes."
S
Sharnell W.
Bought $4.2M Miami-Dade County · March 2026

"Sold our Florida Co. home in 17 days, $180K over ask. The marketing video alone was better than what most agents do in a year."

Deborah D.
Closed Florida home · 5 stars Co.

"I am not good at paperwork. Miss Birsen explained me so patiently, all the documents required, walking step by step. Even when I called after hours, she replied so quickly. Thanks a lot to Miss Birsen!"

Murat V.
First-time homebuyer (Türkçe) · Florida

"The service from Birsen was exceptional and beyond expectation. Her knowledge and commitment in finding us the best rate helped us as first-time home buyers. Someone we could trust every step of the way."

Murat U.
Bought $5.2M · Hillsborough
The life

What you're really buying into.

The mornings. The marinas. The Sunday brunches. The quiet ones nobody talks about.

Marina yacht life
Marina
Slip 24, Sailfish.
Pool sunrise
Sunrise
7:14 a.m.
Modern interior
At home
Saturday.
Aerial beach view
Coastline
A1A.
Villa night lighting
After hours
9:48 p.m.
NMP Magazine ✦ National Mortgage News ✦ Mortgage Professional America ✦ HousingWire ✦ Türkiye Today ✦ Inside Mortgage Finance ✦ Mortgage Bankers Association ✦
Market intel

Florida median sale price.

Quarter-over-quarter, last 18 months. Single-family detached, $1M+ segment.

+8.4%
YoY
22d
Avg DOM
98%
Sale/ask

Source: Beaches MLS, Florida, single-family detached homes > $1M. Last updated May 2026.

Get my full market brief
Private consultation

Phone, Zoom, or a walk through your future financing.

A 30-minute call with no pressure and no commission talk. Tell me what you're looking for — I'll tell you whether I can help, and who else to call if I can't.

Lock in a 30-min consult Call (305) 555-0241
No commitment English & Türkçe Off-market access Same-day reply
Get in touch

Tell me about you. I'll be in touch today.

I agree to be contacted by phone, text, or email. Your information stays private.
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