Purchase a Home in Florida

Financing Comes First

You should always have your ducks in a row and pre-qualification letter in hand before you jump in the car with a realtor. A good realtor won't waste his/her time with you unless they know that you are the real deal and you have the pre-qual letter in hand. To get pre-approved we will review your whole scenario and pull your credit.

Get Pre-Approved

Conventional Financing - Also known as Fannie Mae or Freddie Mac Financing. Loan to Value as high as  80-95% Financing for Good credit borrowers who can document income and have 5%- 20% to invest as a down payment. If you can put 20% down there is no mortgage insurance involved which keeps the payment low.

FHA - Popular (96.5%) Financing, FHA Rates are actually lower than conventional rates right now but the MIP (Mortgage Insurance Premium) makes the payment a little higher. These programs can accomodate credit scores as low as 600 (middle) and are the best way to acquire home ownership with as little out of pocket expense as possible.

USDA - Popular 100% Purchase Financing in Rural Areas

My Mortgage Process - More of my Home Made Video describing what takes place when you apply and your file goes to the underwriter. Kind of rough quality. It might be easier just to call me 561-329-0075

Learn about specific Towns or Cities in Florida- I am a mortgage banker all across the state of Florida. Here I have broken the state down by major cities where I discuss median home prices and use graphs from Citi-Data and Zillow.

First Time Home Buyers - The $8000 tax credit is gone but this page will help you become aware of things to think about if you are a first time homebuyer

The Loan Process - This page will give you an idea what takes place once your file is in motion with the underwriter. We have a very smooth channel because our staff is good and we do this all day long.

Foreclosures - Buying a foreclosure is a little more complicated than buying a home sold by individuals or a regular listing. I also have another link devoted to searching foreclosures in an attempt to find a deal.

Foreclosure Listings

Get Pre-Approved - Getting pre-approved is an important part of the process. No realtor who is any good will take you out shopping until you are pre-approved.

Check Property Value There are many sites on line that give a statistical value of a property. This link is far more accurate.

Shopping Settlement Costs - Many customers spend a lot of time shopping settlement costs. This page will help explain each line item.

Loan Application - This is my on-line loan application screen which allows you to apply any time in the comfort of your own home

Customer Testimonials - I am not one to request testimonials but here are a few from some of my previous customers

Improving Credit - I am well versed on the many ways to improve credit. I have several pages devoted to this. Search under bad credit. If you don't find the answer you need , call me.

Do's and Don'ts - Here is a collection of do's and don't that I have put together through the years

9 Steps to Ownership - This is a well made video that talks bout the steps to home ownership

Manufactured Home Loans - Yes I can help customers searching doublewides throughout the state of Florida. I have a page devoted to these types of loans

Buyer Don'ts - Along the line of do's and don't, I have a page devoted to don'ts

Rent vs Buy Calc - If you take into account low interest rates and discounted home prices, this page will show you a nifty graph of how much money you can save.

Save Money - I have a bunch of different options that will help you save money. If you think 401 k's and CD's are the way to go, then you are wrong.