Sunshine State Home Loans, Mortgage Broker

Yes, You'll need to submit your most recent W-2 form & paystubs when you apply for a refinanced mortgage loan.

Cash-out refinancing lets you access your home equity through a first mortgage instead of through a second mortgage, like a home equity loan or line of credit. You will need to have 15% to 20% equity left after the refinance.

if you're looking to take cash out, your credit score typically will need to be 620 or higher.

Cash-out refinances are safer and more affordable than they were years ago. It's likely you'll be able to take cash out no matter what type of mortgage you have. These loans are commonplace for conventional, conforming, FHA and VA loans. Only USDA loans ban cash-out refinancing.

You can do anything you want with the money you take from your cash-out refinance. The cash-out refinance replaces your existing mortgage with a new home loan for more than you owe on your house. The difference goes to you in cash and you can spend it on home improvements, debt consolidation or other financial needs.

For conventional cash–out refinance, you can take out a new loan for up to 80% of the value of your home. Lenders refer to this percentage as your “loan–to–value ratio” or LTV. Remember, you have to subtract the amount you currently owe on your mortgage to calculate the amount you can withdraw as cash.

Buying an investment property can be a daunting task. There are so many options out there, and for good reason. With the amount of home growth in the last several years, it makes sense that people are looking to invest in rental properties. However, with the increase in demand comes an increase in price. While purchasing investment properties is a smart idea, you may need to adjust your expectations on what you can afford.

If you're looking to purchase a home, Sunshine state home loans can help you get you started. We offer a variety of loan products with some of the most competitive mortgage rates in Florida. We also have highly experienced mortgage agents that can help you through the mortgage process so that your loan is approved quickly, with as little stress as possible. Our goal is to make your home buying experience fast and easy.

Most lenders base their home loan qualification on both your total monthly gross income and your monthly expenses. We provide mortgages in Palm Harbor, FL.

Borrowers usually need to secure at least a 20% down payment for a rental property mortgage. We provide mortgages in Palm Harbor, FL.

Think you need a 20% down payment? The reality is, 3-5% down is often plenty to keep your monthly mortgage payments low, leaving more money in your pocket. Call us to learn more! We provide mortgage services in Tampa, FL.

We prequalify and pre-approve customers free of charge. Are you interested in purchasing a home or refinancing an existing home?

Call us to get the process started.

Yes, we can help, Since you are moving to Florida, will you keep your current job? Or relocating and switching jobs at the same time?

Yes

$715,000 is an estimate for the new 2023 conforming loan limit. Loan limits will officially update upon FHFA’s https://www.fhfa.gov/ Announcement, expected mid to late November.

Yes, We can help you! A VA Cash-Out Refinance converts your home equity into cash. Use the cash-out to pay off high-interest credit cards, remodel your home, pay school tuition, or however you wish. This can be a great solution for refinancing your existing VA loan to a lower interest rate or for replacing a conventional mortgage with a VA-backed loan. Consolidation or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay debt. The amount of the cashout refinance is based on the current equity in your home and can vary. No minimum cash out amount required. Programs available to eligible veterans. Program subject to change without notice. Subject to underwriting terms and conditions and some restrictions may apply.

Yes

Many homebuyers believe they have to pay PMI for the entire loan term or refinance to remove it. For example, on a single-family, primary residence or second-home, here are some common ways to remove PMI: Current Value: (all require a good payment history) • Loans seasoned 2–5 years: The borrower must have a current appraisal showing 75% LTV or lower. • If significant improvements were made to the property, the seasoning requirement is waived. A new appraisal is required for current value which must be 80% or lower. • Loans seasoned 5+ years: This requires a current appraisal showing 80% LTV or lower. Original Value: (all require a good payment history) • Loans paid down and LTV is 80% or less, then no seasoning is required. Property must retain its original value. • Loans at 78% LTV: PMI drops off automatically.

The prequalification process is fast and free and involves a licensed mortgage officer reviewing your financial information to provide you with a rough idea of what your home loan may look like.

A mortgage recast is when a lender recalculates the monthly payments on your current loan based on the outstanding balance and remaining term. When you purchase a home, your lender calculates your mortgage payments based on the principal balance and the loan term. Every time you make a payment, your balance goes down. But what happens if you make an extra payment or pay a little more each month? Or make a lump-sum payment? When you pay towards your mortgage ahead of schedule, it may make sense to request a mortgage recast. Because a recast is based on the remaining balance of your loan, your monthly payment could decrease. It's important to understand that mortgage recasts aren't automatic, and they aren't offered by all lenders. If you're interested in a mortgage recast, talk to your lender to see if it's an option.

This program allows you to lock into a 30 year fixed mortgage instead of an Adjustable Rate Mortgage, but allows your interest rate to be as follows: 2% lower the first year, 1% lower the second year and back to market rate the 3rd year

Definitions Guarantors and co-signers are credit applicants who do not have ownership interest in the subject property as indicated on the title; sign the mortgage or deed of trust note; have joint liability for the note with the borrower; do not have an interest in the property sales transaction, such as the property seller, the builder, or the real estate agent; and meet the requirements in B2-2-01, General Borrower Eligibility Requirements, except for the provisions related to establishing an ownership interest in the property. Non-occupant borrowers are credit applicants on a principal residence transaction who do not occupy the subject property; may or may not have an ownership interest in the subject property as indicated on the title; sign the mortgage or deed of trust note; have joint liability for the note with the borrower(s); do not have an interest in the property sales transaction, such as the property seller, the builder, or the real estate agent; and meet the requirements in B2-2-01, General Borrower Eligibility Requirements, except for the provisions related to establishing an ownership interest in the property.

Requirements for Foreign Assets The lender must document all sources of funds used for down payments, closing costs and financial reserves. All documents of a foreign origin must be completed in English, or the originator must provide a translation, attached to each document, and ensure the translation is complete and accurate. When the source of those funds originates from assets located outside of the U.S. and its territories, those assets require documented evidence of the foreign assets exchanged into U.S. dollars and held in a U.S. or state regulated financial institution, and verification of the funds in U.S. dollars prior to the loan closing. The lender must evaluate large deposits in accordance with B3-4.2-02, Depository Accounts.

Trust Accounts Funds disbursed from a borrower’s trust account are an acceptable source for the down payment, closing costs, and reserves provided the borrower has immediate access to the funds. To document trust account funds, the lender must: obtain written documentation of the value of the trust account from either the trust manager or the trustee, and document the conditions under which the borrower has access to the funds and the effect, if any, that the withdrawal of funds will have on trust income used in qualifying the borrower for the mortgage.

A “gift of equity” refers to a gift provided by the seller of a property to the buyer. The gift represents a portion of the seller’s equity in the property, and is transferred to the buyer as a credit in the transaction. A gift of equity is permitted for principal residence and second home purchase transactions; can be used to fund all or part of the down payment and closing costs (including prepaid items); and cannot be used towards financial reserves. The acceptable donor and minimum borrower contribution requirements for gifts also apply to gifts of equity. See B3-4.3-04, Personal Gifts. When a gift of equity is provided by an acceptable donor, the donor is not considered to be an interested party and the gift of equity is not subject to Fannie Mae’s interested party contribution requirements (see B3-4.1-02, Interested Party Contributions (IPCs)).

The work-from-home lifestyle instituted during the pandemic meant people left their pricey city dwellings for suburbia. Suburban home prices have outpaced metropolitan home prices as more workers are expecting less frequent commutes to the office.

Yes

Yes

Yes

There’s a growing number of senior buyers taking advantage of a Reverse HECM to cater to their retirement plans – whether they want to use their capital now or down the road. The NRMLA recently created a brochure geared toward the children of seniors, which discusses all the benefits of a reverse mortgage and whether it may be a good financial tool when it comes to planning for their retirement. Some topics include: • What is a Reverse Mortgage and what is it used for? • How much money can my parents expect? • Are the children responsible if there is a balance due when a parent moves or passes away? • And much more https://www.nrmlaonline.org/2022/05/16/should-mom-or-dad-get-a-reverse-mortgage?utm_campaign=Reverse%20Weekly&utm_medium=email&_hsmi=215688372&_hsenc=p2ANqtz-8p1rCA80z-6RjYeupBQ5P3C1hRa_1J7JJCBxUGGkaZ-N3xNZin9rQf7H2e8QQgce00iNKs-LjWD_sV3_qmAJOtKKj-DA&utm_content=215688372&utm_source=hs_email

Based on the property's income and expense, the DSCR ratio evaluates the borrower's ability to repay the debt.

Bank statement loans were created for self employed individuals who cannot document their income using tax returns.

What is a Conventional Fixed-Rate Mortgage? A fixed-rate mortgage has a rate that is locked in for the life (or term) of the loan. The interest rate will not change. What is a Conventional Adjustable-Rate Mortgage? An Adjustable-Rate Mortgage (ARM) has an introductory period with a lower interest rate that will adjust up or down with the market once the introductory period is up. Depending upon current interest rates – an ARM’s rate can be lower than a fixed-rate mortgage. That’s especially true for a Jumbo mortgage.

A conventional mortgage is a loan that “conforms” to the Federal Finance Housing Agency (FHFA) guidelines and are guaranteed by Fannie Mae or Freddie Mac. Conventional mortgages are sometimes called conforming mortgages.

The VA loan is a no-down-payment mortgage available to members of the U.S. military, veterans, and surviving spouses. VA loans are backed by the U.S. Department of Veterans Affairs. That means they have lower rates and easier requirements for borrowers who meet VA mortgage guidelines. VA mortgage qualifications are straightforward. Most veterans, active-duty service members, and honorably discharged service personnel are eligible for the VA program. In addition, home buyers who have spent at least 6 years in the Reserves or National Guard are eligible, as are spouses of service members killed in the line of duty.

It is not necessary to be a first-time buyer to qualify for FHA loans. Repeat buyers can also use FHA loans to finance their homes.

The Federal Housing Administration wants to allow 40-year mortgages, saying it would protect borrowers against default if they had lower monthly payments. It added that this change would also align FHA with modifications available to borrowers with mortgages backed by Fannie Mae and Freddie Mac. The FHA has no expectations owners will use the full term of the modifications, and says prepayment behavior could be different with a 40-year mortgage.

Our Way Home is a national initiative that uplifts the unique housing supply successes in local communities and connects cities, counties, Tribal communities, states, and U.S. Territories to the tools and resources needed to help preserve and produce affordable housing in their area. https://www.hud.gov/press/press_releases_media_advisories/HUD_No_22_105

A jumbo mortgage is a loan for a property too expensive to qualify for conventional lending. As determined by the Federal Housing Finance Agency (FHFA), the conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac for one-unit properties is $647,200. For areas in which 115% of the local median home value exceeds the baseline conforming limit, the ceiling loan limit for one-unit properties is $970,800.

In CoreLogic’s review of Non-QM loans, it found that the three main reasons a Non-QM loan originated in 2022 failed to fit into the qualified-mortgage box were: Use of limited or alternative documentation. A debt-to-income (DTI) ratio above 43%, and Interest-only loans. “Almost 55% of the Non-QM borrowers used limited or alternative documentation; 26% exceeded 43% DTI threshold; and 23% of the Non-QMs were interest-only loans,” CoreLogic reported. “The share of Non-QM loans exceeding the 43% DTI threshold has increased, and is now three times higher in 2022 than in 2014,” it said. The share of interest-only loans also doubled in 2022 compared to the 2014 level, CoreLogic said.

A qualified mortgage must also satisfy at least one the following criteria: Borrower’s debt-to-income (DTI) ratio must be 43% or less. The loan must be eligible for purchase, guarantee, or insurance by a government-sponsored enterprise (GSE), such as Fannie Mae or Freddie Mac; the Federal Housing Administration (FHA); U.S. Department of Veterans Affairs (VA); or the U.S. Department of Agriculture (USDA), regardless of the DTI ratio, and The loan must be originated by insured depositories with total assets less than $10 billion, and must be held in a portfolio for at least three years.

Any home loan that doesn’t comply with the federal Qualified Mortgage (QM) rules is referred to as a Non-QM loan. The federal Dodd-Frank Wall Street Reform and Consumer Protection Act, enacted in July 2010, imposed an obligation on lenders to make a good-faith effort to determine applicants have the ability to repay a mortgage, known as the ability-to-repay (ATR) rule. The act also mandates that qualified mortgages cannot have risky loan features, such as negative-amortization, interest-only, balloon payments, or terms beyond 30 years, and also cannot have excessive points and fees.

Homebuyers are turning to adjustable-rate mortgages (ARMs) as interest rates and home prices continue to climb.

You must choose licensed contractors for all work. The only exception is if you are licensed and a full-time contractor by trade. In these cases, some lenders may approve DIY work.

The formula for figuring out your DTI ratio: Add Up All Your Monthly Debt (Divide that total by your) Gross Monthly Income. Example ( $1,000 ÷ $4,000 ) = 0.25, or 25% (DTI)

FHA's Limited 203(k) program permits homebuyers and homeowners to finance up to $35,000 into their mortgage to repair, improve, or upgrade their homes.

This is a frequently asked question. There are a couple of numbers at play in a renovation loan: purchase price, renovation cost, and the after improved value. This is (what the home will be worth after the repairs are completed). You will always want to think of the renovation costs as part of the purchase price. It is purchase price + renovation cost or the after improved value of the property whichever is the lesser of the two. That number (minus the down payment) will be the loan amount.

The standard 203(k) HUD consultant is always required. The Limited 203(k) does not require, however, a HUD consultant can be hired to assist with the project but the cost is not financeable. Homestyle and CHOICERENO require a HUD consultant for inspections. We will also require a consultant to perform work right up if the project is $75,000 or greater and or if the project has significant structural work, fire, water, or mold damage. The VA Reno does not require a HUD consultant.

There are two types of 203 (k)s Standard and Limited. Standard: Plans, permits, and architectural designs are all considered part of the renovation cost on a standard 203k, and they can be financed. The work tends to be more significant on a standard and sometimes structural, requiring architectural plans. In some cases, the permitting needed for projects will require plans. 203k does not allow structural repairs, so an architectural plan will not be allowed, but permits will.

Ready to buy, but nervous that you won’t qualify? There are some great programs that help first-time homebuyers qualify with only 3.5% down and a credit score of just 620! Call today to learn more.

Florida first-time homebuyer loan programs Florida Housing homebuyer programs. ... Salute Our Soldiers Military Loan Program. ... Florida Assist Second Mortgage Program (FL Assist) ... HFA Preferred Grants (3, 4 and 5 percent) ... Florida Homeownership Loan Program (FL HLP) ... First-time homebuyer programs in nearby states.

A cash out refinance is when you take out a new home loan for more money than what you owe on your current loan and receive the difference in cash. For example, if your home is worth $400,000 and you owe $200,000, you have $200,000 in equity.

Not sure if it’s time to buy? We can review your situation and determine how much home you can afford before you begin your search. Give us a call today!

Take out the budgeting guesswork and get a monthly breakdown of your mortgage expenses by calling us today! We are located in New Port Richey, FL. Less

From Minor Upgrades to Major Renovations, a 203(k) Helps You Get the Home of Your Dreams. With a 203(k) Loan, You Get the Funds You Need for Renovations. FHA loans are great for buyers with lower down payments and can be easier to qualify for than conventional loans! Call us today to learn more.

There are some great programs that help first-time homebuyers qualify with only 3.5% down and a credit score of just 620

An FHA loan is perfect for buyers without perfect credit or a ton of money saved for a down payment. This could be an option for you!

Sunshine State Home Loans, Mortgage Broker NMLS 1901827, offer FHA Loans for First-Time Homebuyers, Conventional Loan for First-Time Homebuyers, VA Loans for First-Time Homebuyers, https://www.sunshinestatehomeloans.com/

FHA guidelines require appraisers to look for certain defects that are dangerous or could pose a health, security, or habitability concern, leading to sellers' dislike of the loans.

An FHA loan is perfect for buyers without perfect credit or a ton of money saved for a down payment. This could be an option for you!

Ready to buy, but nervous that you won’t qualify? There are some great programs that help first-time homebuyers qualify with only 3.5% down and a credit score of just 620! Call today to learn more.

Desktop Underwriter® (DU®) will indicate when a loan casefile is eligible for a desktop appraisal. Ordering a desktop appraisal is optional; lenders can always opt to order a traditional appraisal if the borrower wants one or for other reasons.

If the appraiser does not have information to create a credible report, they should take the necessary steps to verify or obtain the information necessary for a credible report.

Photos can be verified using MLS listings or with a live, virtual walkthrough with the homeowner. Photos that are taken during a live walkthrough with the homeowner are considered appraiser observation during a live event and do not require further verification.

Yes, if it is accurate and representative of the current state of the property.

A floor plan shows interior walls to help assess the functional utility of the home; a sketch typically displays only exterior dimensions.

Yes, provided the appraiser verifies the information through a disinterested source, such as aerial maps, assessor data, or virtual inspection technologies.

See the URAR Hybrid and Desktop Appraisal Forms — Overview for a line-by-line comparison of the differences between Forms 1004 and 1004 (Desktop).

Appraisers must use Fannie Mae Form 1004 (Desktop) to complete desktop appraisals. Note that this is a different form from the traditional forms used (with a modified set of instructions, scope of work, statement of assumptions and limiting conditions, and certification) for appraisals using the COVID-19 Temporary Flexibilities, which have since expired.

If you are looking for the best mortgage broker for home loans, check out Sunshine State home loans.

It's important to find the right mortgage broker before you buy. I've done several loans with Sunshine State home loans, and they were great. Easy to work with, highly qualified staff, and I was able to purchase my primary home.

Sunshine state home loans is the best place to get your home loan. With years of experience as mortgage brokers we also offer fast, easy and affordable home loans. Sunshine state home loans is the best place to get your new port Richey and Tampa home loan.

Sunshine State Home Loans, Mortgage Broker New Port Richey

A mortgage broker, unlike a mortgage lender, does not fund loans but instead helps you find the right lender for your financial situation. Mortgage brokers are licensed and regulated financial professionals.

Sunshine State Home Loans Mortgage Broker. FHA Loans, VA Loans, Conventional Loans, and Cash-out... 5006 Trouble Creek Rd, New Port Richey, FL 34652.

Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time.

What if you could afford to buy your first home with only a couple of months’ worth of rent? With the lower down payment requirements of FHA loans, this option may be within reach! Stop paying your landlord’s mortgage and begin building equity today.

Think you need perfect finances in order to buy a house? An FHA loan is perfect for buyers without perfect credit or a ton of money saved for a down payment. This could be an option for you!

How to stay competitive using a VA loan in a sizzling housing market. A VA loan is perhaps the most powerful and flexible lending option on the market today. Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults. That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans. https://sunshinestatehomeloans.com/loans-VA.php Less

To buy a home can be less expensive over time than renting.

It is possible to get a mortgage without a credit score, but it will require bypassing the automated mortgage application processes used by many lenders in favor of a more time-consuming process called manual underwriting.

An FHA 203(k) loan allows you to buy or refinance a home that needs work and roll the renovation costs into the mortgage.

No-income-verification mortgage allows you to use other items such as bank statements to prove you can repay a mortgage.

Think you need a 20% down payment? The reality is, 3-5% down is often plenty to keep your monthly mortgage payments low, leaving more money in your pocket. Call us to learn more!

Depends on your individual situation. We provide mortgages in Palm Harbor, FL.

Mortgage default happens when you miss regular scheduled payment date.

Most lenders require a minimum downpayment of 20% for an initial investment property purchase and even higher downpayment on properties two through four. We provide mortgage services in Tampa, FL.

There are mortgages designed for people with poor credit, and some lenders specialise in offering these. We provide mortgage services in Tampa, FL.

Most lenders base their home loan qualification on both your total monthly gross income and your monthly expenses. We provide mortgages in Palm Harbor, FL.

Most lenders base their home loan qualification on both your total monthly gross income and your monthly expenses. We provide mortgages in Palm Harbor, FL.

As a rule of thumb, many people estimate they are able to afford a mortgage of 3 to 4.5 times their household income. Give us a call today! We provide mortgage services in Tampa, FL.

A vacant land loan sometimes called a lot loan, can be used to finance the purchase of a plot of land. We provide mortgages in Palm Harbor, FL.

A Construction-to-Permanent loan covers the financing during the building process. We provide mortgages in Palm Harbor, FL.

First-time homebuyer? Get familiar with the term debt-to-income ratio (DTI). Your DTI is used by mortgage lenders to determine whether your loan application will be approved. Pro Tip: Aim for 50% DTI or less for the best options and rates. We provide mortgages in Palm Harbor, FL. Sunshine State Home Loans Mortgage Broker. First-time homebuyer programs or Mortgage Refinance. NMLS# 1901827 #Mortgage #broker #Refinance #rates #First #homeloans #buyingahome #localmortgagebroker https://www.sunshinestatehomeloans.com/ Less

Owning a home is more affordable than you might think, and our expert team can help you find the right mortgage options for you. Call today to learn more. We provide mortgages in Palm Harbor, FL.

You don't have to be married to an independent mortgage broker to have a dedicated partner you can trust with life's biggest decisions. Happy #NationalSpousesDay! Sunshine State Home Loans Mortgage Broker. NMLS# 1901827 #Mortgage #broker #Refinance #rates #First #homeloans #buyingahome #localmortgagebroker https://sunshinestatehomeloans.com/mortgage-refinance.php Less

Mortgages are secured loans, which create a mortgage lien on the property.

Monthly mortgage payments are often less than what you would pay in rent – even with a low down payment! Start paying yourself and not your landlord. Call us today! We provide mortgages in Palm Harbor, FL.

The LE outlines your loan terms and estimated closing costs. You'll receive this document within 3 business days of your mortgage application being submitted. Want to learn more about your home loan? We provide mortgages in Palm Harbor, FL.

Owning a home is more affordable than you might think, and our expert team can help you find the right mortgage options for you. Call today to learn more. We provide mortgages in Palm Harbor, FL.

Owning a home is more affordable than you might think, and our expert team can help you find the right mortgage options for you. Call today to learn more. We provide mortgages in Palm Harbor, FL.

Owning a home is more affordable than you might think, and our expert team can help you find the right mortgage options for you. Call today to learn more. We provide mortgages in Palm Harbor, FL.

Today’s adjustable-rate mortgages are a lot different than they were in the past, and they may be the best choice for your purchase or refinance. Give us a call today! We provide mortgages in Palm Harbor, FL.

In the market to buy a home? Take out the budgeting guesswork and get a monthly breakdown of your mortgage expenses by calling us today! We provide mortgages in Palm Harbor, FL.

Mortgage rates have remained fairly low for 2021 but economists are predicting rates to increase.

A mortgage is a type of loan, similar to an car-loan or installment loan. A person borrows money to buy or refinance a house. If you are borrowing money to buy a home, you will need a home loan. And home loans are called mortgages

From comparing prices across lenders to working with underwriters to ensure your application is processed smoothly, local independent mortgage professionals like us are focused on one thing – getting you the fastest, easiest and cheapest mortgage possible. Sunshine State Home Loans Mortgage Broker. We provide mortgages in Lutz, FL.

Several things can cause your mortgage payment to change. Check your mortgage statement or contact your servicer and ask them to explain. We provide mortgages in Lutz, FL.

Increasing inflation, a increased demand for housing market, and policy changes by the Federal Reserve.

Mortgage insurance lowers the risk to the lender of making a loan to you. We provide mortgages in Lutz, FL.

Mortgage broker fees most often are paid by lenders, though they sometimes can be paid by borrowers.

in florida, mortgages do not need to be witnessed. deeds of conveyance do need two witnesses, one can be the notary.

The Office of Financial Regulation (OFR) is responsible for supervising state-chartered banks, credit unions, savings associations, and international bank agencies, and licenses and regulates non-depository finance companies and the securities industry.

Your mortgage is my top priority. Call today to hear about all of your mortgage options. We provide mortgages in Lutz, FL.

In Florida, the borrowers that engage in a mortgage are the legal deed/title holders of that property. We provide mortgages in Lutz, FL.

Big banks are stretched thin. Your mortgage is my top priority. Call today to hear about all of your mortgage options. We provide mortgages in Lutz, FL.

Sunshine State Home Loans, Mortgage Broker NMLS 1901827 We also offer FHA LOANS, FIRST-TIME HOMEBUYER, Conventional Loan, VA HOME LOANS, Cash-Out Refinance, We provide mortgages in Lutz, FL.

That being said, lenders will use the lower of the two individual scores when applying jointly for a mortgage. Call us to learn more about how your (and your spouse’s) credit can impact a home loan. We provide mortgages in Lutz, FL.

Give us a call today! We provide mortgages in Lutz, FL.

Going through a big bank for your home loan doesn’t add up to big savings. With access to multiple lenders, we have more options to get you a lower rate and a lower monthly payment. Call today to see just how much you can save. We provide mortgages in Lutz, FL.

Did you know that you may be able to use gift funds to cover up to 100% of your down payment? Give us a ring to learn how you can turn their generosity into a home of your own! First-time homebuyer programs. We provide mortgages in Lutz, FL.

Big banks are stretched thin. Your mortgage is my top priority. Call today to hear about all of your mortgage options. We provide mortgages in Lutz, FL.

Give us a call today! We provide mortgages in Lutz, FL.

Did you know? If you recently purchased your home with cash, you can refinance immediately and get your investment back to free up cash for other expenses. Let’s explore your mortgage options. We provide mortgage services in Lutz, FL.

Monthly mortgage payments are often less than what you would pay in rent – even with a low down payment! Start paying yourself and not your landlord. Call us today! We provide mortgage services in Lutz, FL.

Today’s adjustable-rate mortgages are a lot different than they were in the past, and they may be the best choice for your purchase or refinance. Call us to learn more! We provide mortgage services in Tampa, FL.

Unlike some of the other guys, I specialize in mortgages. It’s all I do and I’m licensed to do it! Call today to see for yourself! We provide mortgage services in Tampa, FL.

In the market to buy a home? Take out the budgeting guesswork and get a monthly breakdown of your mortgage expenses by calling us today! We provide mortgage services in Tampa, FL.

Owning a home is more affordable than you might think, and our expert team can help you find the right mortgage options for you. Call today to learn more. We provide mortgage services in Tampa, FL.

Monthly mortgage payments are often less than what you would pay in rent – even with a low down payment! Start paying yourself and not your landlord. We provide mortgage services in Tampa, FL.

Please consult a state licensed tax professional. We provide mortgage services in Tampa, FL.

Want to pay your taxes and insurance separate from your monthly mortgage payment? No problem. We have loan options with no-fee escrow waivers – giving you the power to choose the payment option that suits you best! Give us a call today! We provide mortgage services in Tampa, FL.

While securing a mortgage can seem confusing at times, there are a few things you can do (or avoid doing) to make the process easier and smoother. Let us help you navigate the process – it’s what we do best!

In the market to buy a home? Take out the budgeting guesswork and get a monthly breakdown of your mortgage expenses by calling us today! We are located in New Port Richey, FL.

Owning a home is more affordable than you might think, and our expert team can help you find the right mortgage options for you. Give us a call today! We are located in New Port Richey, FL.

If your home value has gone up, you could save on your monthly payments. Call me today to see if we can remove your mortgage insurance. Give us a call today! We are located in New Port Richey, FL.

Adjustable-rate mortgages are a lot different than they were in the past, and they may be the best choice for your purchase or refinance. Give us a call today! We are located in New Port Richey, FL.

Today’s adjustable-rate mortgages are a lot different than they were in the past, and they may be the best choice for your purchase or refinance. Give us a call today! We are located in New Port Richey, FL.

Could you use some extra cash? Message me today to learn how refinancing your home could save you money on your mortgage payments every month. Give us a call today! We are located in New Port Richey, FL.

In the market to buy a home? The reality is, 3-5% down is often plenty to keep your monthly mortgage payments low, leaving more money in your pocket. Take out the budgeting guesswork and get a monthly breakdown of your mortgage expenses Give us a call today! We are located in New Port Richey, FL.

Saving up your salary for a deposit? Owning a home is more affordable than you might think, and our expert team can help you find the right mortgage options for you. Give us a call today! We are located in New Port Richey, FL.

Several loan programs only require 3% down to qualify! Call now to start the pre-approval process. Give us a call today! We are located in New Port Richey, FL.

First-time homebuyer? Get familiar with the term debt-to-income ratio (DTI). Your DTI is used by mortgage lenders to determine whether your loan application will be approved. Pro Tip: Aim for 50% DTI or less for the best options and rates. Give us a call today! We are located in New Port Richey, FL.

We can review your situation and determine how much home you can afford before you begin your search. Give us a call today! We are located in New Port Richey, FL.

Freddie Mac’s CHOICERenovationSM is the latest solution for financing home improvements, designed for borrowers looking for convenience and cost savings by financing both their home purchase or refinance and renovation costs in a single loan. Meeting a greater variety of client needs; plus address the aging housing supply and the increasing demand for cost-effective renovation financing options.

A Temporary Rate Buydown to lower their interest rate at the start of their loan. Available for: Conventional primary and second home purchases FHA and VA primary home purchases Seller-paid 1- and 2-year buydown options 2-1 buydown of 2% in the first year and 1% in the second year. By the third year they are at the full rate. 1-0 buydown of 1% in the first year. By the second year they are at the full rate. The borrower must qualify for the full monthly payment (before the buydown rate is applied) Seller concessions are deposited as a lump sum into a buydown account. A portion of this sum is released each month to reduce the borrower’s monthly payments.

Yes

Yes

Yes, absolutely! Renovation Home Loans are available for qualified first-time home buyers.