Ken Schiff

OJ Mortgage Company, Inc.

My name is Ken Schiff and I am a Licensed Mortgage Originator with a family-owned company in Clearwater. Originally from Michigan, I live in the Tampa Bay area with Marlynn, my wife of 30 years and our two dogs Luke & Jack and we have a son Alex who lives in Boston. I help borrowers throughout Florida by educating them so they can make the best mortgage decisions for themselves. Unlike the banks, I am available evenings and weekends. I have long-term relationships with my clients because of how I look at your mortgage from a financial planning point of view.

I’m committed to providing my clients with not only the best Florida rates and costs they can find, but the most trusted mortgage advice. Whether you’re a first-time home-buyer, purchasing your dream home or refinancing, I look forward to quickly closing your loan. I advise everyone to shop around-–that’s how confident I am that I will save you the most money and earn the right to help your family, friends and co-workers.

Although I am located in Clearwater, I offer complete mortgage and refinance service to clients throughout the entire State of Florida!

Call me days, evenings or weekends–I’m always available for you!

Loan Types

Conventional Loans

(Up to $417,000)
Down payment options 5%/10%/20%
No closing cost option
Non-conforming Jumbo Loans up to 2.5 Million

FHA Loans

Federal Housing Administration
3.5% down payment
Lower score allowed


No down payment required
For Veterans, Reservists
& Active Duty Military

HARP 2.0

Refinance with little or no equity
No appraisal required

See what Ken Schiff's clients
are saying about him!

  • Would Highly Recommend Ken. I re-financed my home and it was done in an extremely easy and convenient manner. High level of professionalism and honesty. Ken was always willing to explain and walk me through anything I needed. The service and response time was unbelievable! Elizabeth E.

    Ken was recommended by my agent & he was a great choice. He was available to answered all my questions no matter what time day, night or weekend. Rosemarie C

    From beginning to end, the experience was awesome. Total professionalism and made the process very enjoyable. Will definitely recommend to friends and family.

    I have worked with Ken on several occasions personally and sent many of my clients to him. He has been a valuable resource of information and provided clients with top notch service and great results. If someone can get the job done reasonably and quickly its Ken Schiff and his team.

    Ken refinanced our house for us. He was extremely attentive and very easy to get in touch with. Everyone we have referred to him has been extremely satisfied. We recommend him with confidence.

    I have worked with Ken and his team for nearly 5 years. He has always been extremely helpful to me whenever I've needed anything. His knowledge is outstanding and surpassed only by his caring for his clients. Ken is truly exceptional in how he will go above and beyond to help his clients.

    Ken refinanced our house for us. He did a great job. We are deeply appreciative for his help. He has done the same for our business partner a few times. He was extremely attentive and very easy to get in touch with. We recommend him with confidence.

    Ken and his team at OJ Mortgage were a pleasure to work with. Ken took the time to answer all questions that came up along the way - he was thorough and patient. I have closed on multiple mortgage loans through the years, many of which were stressful, frustrating, and time-consuming on my part. Not so with OJ Mortgage -- I highly recommend Ken and his team. St Cloud, FL

    Ken & other staff @ OJ Mortgage were the best to deal with. As is known the person or family needing a mortgage need not use just a local broker. I met Ken in Jax at a home show, I live in Pensacola & his company is in Tampa area. The process worked very well. Ken will deliver! Pensacola, FL

    I met Ken Schiff at a booth his company had at the Miami Beach Home Show. We started talking about refinancing (which I had been thinking about doing on my condo loan) and we simply exchanged information. I didn't give potential next steps too much thought because of my experience with so many people who have a bad habit of not following up. Ken, on the other hand, was extremely professional and excellent about following up. He quickly guided me through the entire refinancing process and just a few months later he had helped me refinance my loan. During this experience, he was always available to answer any questions or resolve any concerns. I am extremely happy with the refinance Ken made happen. It was a seamless process that helped save me a lot of money. I highly recommend Ken Schiff's services! I would use his services again without giving it a second thought.

    Ken's professionalism and responsiveness is a shining star in the world today compared to others that listen to respond versus understand and do not take each person's circumstances into opportunity to work together to refinance my home.

    Our thanks and congratulations on the successful refinance of our jumbo mortgage on our residence. Ken and his very capable staff worked round the clock to get this complex mortgage knocked down from a 6.5% to 4.5% fixed 30 year rate. As we go through the years, we will save thousands of dollars. I met Ken at the FICPA Accounting Show in September, 2013. Prior to that time, We had attempted to refinance our home several times. Each time the prospective mortgage companies (Quicken Loan, Bank of America and Chase) were not interested. We thank Ken Schiff at OJ Mortgage Company for a job well done. Fort Lauderdale

    We were in the process of refinancing with our own mortgage company and experienced nothing but extreme delays, lack of customer service, and a general lack of professionalism by them. Fortunately, we discovered Ken at the Tampa Bay Home Show and were impressed with his knowledge and his suggestion that he could handle our refi and probably have it closed within a month. We made an appointment for the very next day, took our paperwork to him, and indeed, the refi, at a very good interest rate, was closed within the 30-days, as he indicated. Ken is very knowledgeable as well as personable. Additionally, his staff was very knowledgeable and helpful as well and we would highly recommend Ken to others seeking a mortgage or to refinance. Dunedin, FL

    We were very pleased with the service we received with Mr. Schiff. We refinanced and the process was very prompt and he kept us informed throughout the whole process. We would use them again in the future. Lutz, FL

    Very knowledgeable about the workings of the mortgage market. The red tape was not so bad, and the time to close was short, as he had predicted. Thank you again Mr. Ken Schiff! Orlando, FL

    Very knowledgeable, professional and full of experience. Outstanding service, highly motivated, sincere on every action taken to reach satisfactory results. Green Cove Springs, FL

    From beginning to end, the experience could not have been better. Total professionalism. We met Ken at a Home Show in Orlando. He gave us a brief overview of the HARP program. We asked that he call us at home which he promptly did. Ken put some numbers together that fit our re-financing needs. From beginning to end, Ken and his team steered us to our new loan with ZERO problems. Ken made re-financing easier than gaining weight at Thanksgiving. Orlando, FL

    These and additional reviews can bee seen on


We pride ourselves in always telling the truth so you know you’ll qualify and advising you of your best options. We look forward to helping you.

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Ken Schiff NMLS #339947

OJ Mortgage Company, Inc.
29190 US Highway 19 North
Clearwater, FL 33761

(727) 947-2516