Refinance

Our relationships with reputable lenders, combined with our extensive market knowledge, can often result in more affordable mortgage payments at fixed rates.

Home Purchase

Before you start looking for your new Florida home, it’s important to understand how much you can comfortably afford to pay. Our mortgage affiliates can determine your mortgage loan budget.

Investment

We provide thorough tenant screening, property monitoring and care services, and aggressive marketing to ensure that your investment property maintains its maximum profitability.

Mortgage Process

 

Step 1: Pre-Qualification

You need to make sure you are eligible for a mortgage and know exactly how much you are qualified to borrow before you start house hunting. A few years ago, qualifying for a mortgage was easy. But now banks and mortgage companies have increasingly high demands for higher credit scores, bigger incomes, and fewer debts. This step is your chance to find out where you stand. Use our Pre-qualification 1003 in the Mortgage Tools box to get started and find out your eligibility.

 

Step 2: Documentation:

You should get an early start on gathering all the information and paperwork you’ll need for the mortgage process. Use our list of documents in the Mortgage Tools box to gather what you’ll need to apply.

 

Step 3: Pre-Approval:

Preapproval is a lender’s commitment to lend to you. It requires assembling your financial records and going through the preliminary approval process. This step gives you a definite idea of what you can afford and shows sellers you are serious about buying. Complicated finances will take more time, but you should get a preapproval in one or two weeks. Read the Statement of Understanding in the Mortgage Tools box as you are preapproved.

 

Step 4: Approval:

This step is the final approval from the lender. It comes after you have chosen a home and made an offer, after the purchase contract is negotiated and signed, after the inspection and appraisal process is complete, and after all your paperwork is received. When the whole process is complete, your loan is submitted.

Available Loans: We will work with you on Conventional, FHA, VA, and USDA loans, as well as loans for commercial and investment properties.