Michael Frost

NMLS # 1439201



Michael Frost
Michael Frost

Michael Frost

Mortgage Calculators

Loan Programs



About Michael

Michael Ray Frost brings his extensive knowledge of finance and business to his mortgage business, Harbor Light Mortgage in Cape Coral, FL. Michael has a degree in Business Administration from St. Leo University, and 40 years of experience as a successful small business owner in Lee County, which includes 30 years in commercial fishing operations and over a decade in real estate and mortgage origination, most recently as owner of Tropical Mortgage in Fort Myers.  Michael has lived in southwest Florida his entire life and is committed to serving his community’s growth and development.

If you are a Realtor seeking quality service, excellent communication and speedy closings, Michael can make that happen. If you are a homebuyer or homeowner in search of financing for a purchase or to pull money out of your current home, Michael will put together a custom loan package to meet your exact needs. If you are an investor looking to expand your holdings, a senior seeking information about Reverse Mortgages, or a veteran needing to know what you can are eligible for, Harbor Light Mortgage leads with exceptional programs to meet all these scenarios. You will feel secure putting Michael’s extensive knowledge of Southwest Florida Real Estate, his sharp finance skills and his superior service to work for you. Michael’s mission for Harbor Light Mortgage is to provide the highest possible level of efficiency and integrity in the industry, and this shows in every aspect of his business.  

Contact Michael

Michael Frost

NMLS# 1439201

3937 NW 46th Ter
Cape Coral, FL 33993
State Licenses: FL

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.


Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

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