If you are in need of Mortgage Financing for Real Estate anywhere in Florida you have come to the right place.
NMLS License # 216170
(561) 329-0075
The Outlook for 2013 is Good!
Home prices are on the rise and we are still enjoying the lowest borrowing interest rates in 50 years. We have had a recent bump in interest rates but I see that as extremely short term. The biggest problem that I see so far in 2013 is that there are not enough good homes on the market to purchase . Many Realtors who are buyers agents are complaining about not enough inventory to show their clients.
Convenience - With the use of the internet, email, canning and mobile closers, I can help any customer who owns real estate in Florida. The mobile closer will come to your house or deliver a mail away package that you sign in front of a notary. It is that simple
Please take a brief moment to listen to my mission statement
That's what I do, "I make it easy!" and I hope to become "Your Lender for Life!" I have many customers whom I have helped 5 or 6 times over the last 10-20 years and they appreciate having me in their corner as their trusted advisor 24/7/365 days a year.
I am a Mortgage Banker in Florida so this means that my bank uses their own money to fund your loan. We close the loan in our own name and have complete control of the process from beginning to end including post-closing and later sale on Wall Street . If we need to broker your loan out for a unique loan program, we can do that too.
Seeing how many mortgage professionals have gone by the way side, many of my new customers ask me why I still enjoy being a mortgage banker/mortgage broker.
"For me, it is very rewarding helping my customers champion the whole home buying or refinance process" .
I will exceed expectations for the first time home buyers and make the mortgage process extra convenient for the busy executives or corporate relocation customer who has little time because they are always on the go working a 60-80 hour work week.
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See recommendations from previous customers. I would like to help you in much the same way.
Service Guarantee: In today's market place most lending institutions require 60 calender days to process and close your loan. My bank has a process that can get your loan done in 30 calender days! Ask me about this.
I believe that a customer should have constant contact with their mortgage consultant throughout the entire mortgage process from pre-qualification to closing. I will show you the way.
Refinance customers will be happy to see that I have a wide variety of options even if you have negative equity in your home. Many times customers are pleasantly surprised how soon we can get their loan finished and funded.
Also, the long awaited HARP 2.0 & FHA Streamline Refinances for good credit refinance customers who are upside down on value but still want to lower their monthly mortgage payment and save money.
As part of the work I provide, I chart the direction of median home prices across the state of Florida. Please look to your left to find the closest major city in your area and make note of the trends as of 2013. If you need a good Realtor in a certain area, I can help with that too. Ask me about this.
Nowadays, some mortgage customers have the perception that it is difficult to get a mortgage loan in Florida and that Banks are not Lending.
I am here to say that this not the case!
It is my job to help customers who are considering home ownership or a nicer home upgrade or a refinance. Whether it will take 30 days, 90 days, a year or even two years, I will help you get there! Yes, I have coached customers for longer than two years !
An FHA loan is the the most commonly used mortgage product in real estate today. It offers 96.5% financing on a purchase or 97% financing or more on a refinance.
If you are below 620 I can help you with credit repair. I am not suppose to refer a particular credit repair company but I can advise you or refer you to several.
The Home Affordable Refinance Program. (HARP) is now covering higher than 125% loan to value. In fact I can help you if you are 200% upside down with mortgage insurance and compromised credit!
Your loan will need to be owned by Fannie Mae or Freddie Mac. Use thse links below to verify.
Automated Underwriting allows us to Move FAST!!! Basically we go on-line and submit the details of your file directly to FNMA or FHA and get an immediate feedback !
Hopefully the findings will read: "Approve Eligible", "Refer with Caution" or "Refer".
My Daily Interest Rate Advisorywill give you a daily explanation of what is happening with interest rates and where they are expected to go in the next 1 to 90 days. Please feel free to ask any mortgage question that you may have. There is no cost or obligation and no question is out of bounds.
.As your banker I guarantee the fees listed on the initial fees disclosure statement. The law states that I also guarantee the fees of the Title Company, the Appraiser and the fees of the state of Florida so as a buyer we will have a very detailed estimate of what your financing will look like.
As always my goal is to make you so happy with the service you received, you will be more than happy to refer my name to friends, family and co-workers as you go on through life.
I use some of the social media just as much as the next person. For the sake of business I use Linked In and Twittter. (See attached links.) I pretty much leave Facebook for the personal stuff but I must say that many of my customers have become my friends on Facebook also. Follow @MortgagesUSA123
Your Lender for Life and a Valuable Resource to All of Your Friends
Please take the time to use my site as a tool so that you may inform yourself with everything you need to know if you are Purchasing or Refinancing a mortgage. The information is yours for the taking and I would love to help all customers in Florida.
