Associates Home Loan of Florida, Inc.

Category: Mortgage lender in Tampa, Florida

Address: 14497 N Dale Mabry Hwy Suite 150, Tampa, FL 33618, USA

Phone: +18135442295

Opening hours

Sunday: Closed

Monday: 8AM–8PM

Tuesday: 8AM–8PM

Wednesday: 8AM–8PM

Thursday: 8AM–8PM

Friday: 8AM–8PM

Saturday: 8AM–8PM

Reviews

Neil Paulson

Jan 11, 2022

I have worked with Pat Williams of this company for several years. He is experienced, easy to work with, pleasant and honest. I enjoy working with him. He is the best in the business, in my 20 years of working in mortgages. No exaggeration. No one asked me to post this.

Brenda Mortimer

Jul 26, 2021

This is the best company for mortgage loans. My broker Jimmy Golden was amazing. He has a lot of knowledge. The loan closed so quick. Communication was great, we talked almost everyday. The underwriting process was easy because the broker prepared everything so well. I cannot thank this company enough. They made my dream come true. Thank you so much Associates Homeloan

sammy el-alami

Mar 10, 2020

I had an excellent experience with associates home loans , Ian , and frank and Greg , Make every transaction very smooth . I am a real Estate developer and builder , I had over 18 loans With Ian and had all my loans closed with Greg at Acura title. I can’t begin to tell you How the service was so outstanding. Ian and Greg are so very experienced, both make my deals go so smoothly from property acquisition to funding in record time. I couldn’t ask for more reputable people to work with . I would strongly recommend you to use this company . They are very well experienced, very punctual and very ethical . One of the best hard money lenders in Florida .

Audra Caffrey

Jul 2, 2018

Pat Williams Associated home loans was absolutely amazing. He was extremely helpful and return all my phone calls and answered all my questions. He is very professional and I would do business with him again anytime for my loan services. Along with Talon title, everyone made a rough decision to take out a first mortgage on our home that was completely paid for, a lot easier to bear. Thank you Pat and the crew at Talon title for making this a very smooth and pleasurable and stress-free experience for my husband and I. Keep up the great work!

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Questions & Answers

What types of home loans do you offer?

Associates Home Loan of Florida, Inc. | Apr 11, 2022
Associates Home Loan of Florida, Inc. | Sep 1, 2022

We offer an extensive variety of home loans in Florida, such as: Alternative Income Verification, B/C Loans, Bridge Loan, Commercial Lending, FHA Loan, Fixed Rate Mortgage, Florida Lending Areas, Foreign National Loans, Loan Documentation, Hard Money Loans, and more. For more assistance identifying the right loan for you, contact us today!

How much are closing costs?

Associates Home Loan of Florida, Inc. | Apr 11, 2022
Associates Home Loan of Florida, Inc. | Apr 11, 2022

Closing costs are determined by the total amount of the loan. Typically closing cost are between 4% and 10% depending on which loan product is used.

I am planning on buying a house but I don't know what my credit is. Could you help me with that?

Associates Home Loan of Florida, Inc. | Mar 12, 2022
Associates Home Loan of Florida, Inc. | Mar 12, 2022

We have a free tool for you to use! You can fill out the form here: https://cic.meridianlink.com/smartpay/SmartPay.aspx?uid=f5c6278f-1126-4f70-b3be-691bd2a52331#forward

What amount of debt to income is required to qualify for a loan?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

We can make loans up to a debt to income ratio of 55%. This is calculated by adding together all monthly debt and dividing the total into the monthly income amount.

Will I need to purchase homeowners insurance?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

Yes, homeowners insurance is required for all owner-occupied homes.

How much cash will I need to purchase a home?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply: Earnest Money: The deposit that is supplied when you make an offer on the house Down Payment: A percentage of the cost of the home that is due at settlement Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

What does my mortgage payment include?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

For most homeowners, the monthly mortgage payments include three separate parts: -Principal: Repayment on the amount borrowed• Interest: Payment to the lender for the amount borrowed -Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

How do I know which type of mortgage is best for me?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Associates Home Loan of Florida can help you evaluate your choices and help you make the most appropriate decision.

How is an index and margin used in an ARM?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally, the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

What is the difference between a fixed-rate loan and an adjustable-rate loan?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

How quick can I get my money?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

In most cases in purchases and refinancing we can close and fund in 7 to 14 business days of the application date.

Can I get approved for a mortgage loan with bad credit?

Associates Home Loan of Florida, Inc. | Sep 8, 2021
Associates Home Loan of Florida, Inc. | Sep 8, 2021

Yes, we have options for you! With hard money lending it allows us to provide help to people in need.

I have a property that I own outright, my credit is in the 500's I need a loan to repair my credit and I am looking for a loan of about $100,000. the home is worth about $220.000

Brian Fernander | Sep 9, 2019
Associates Home Loan of Florida, Inc. | Sep 8, 2020

Hi Brian, Please call me directly at 813-314-2257 to go over your loan options. - Ian Loring VP

Is it possible to get a loan on a used mobile home?

elizabeth moore | Sep 9, 2019
Associates Home Loan of Florida, Inc. | Sep 8, 2020

Hi Elizabeth, Please call me directly at 813-314-2257 to go over your loan options. - Ian Loring VP

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