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Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
Welcome! I'm excited to be your dedicated mortgage loan officer, committed to providing exceptional service and expert guidance as you pursue your homeownership or investment goals. With years of experience in the mortgage industry, I'm here to help you navigate the complexities of finding the perfect loan solution for your unique needs.
At Coast2Coast Mortgage, we offer a wide range of loan options tailored to meet your specific situation. Whether you're considering FHA, VA, USDA, Jumbo, Conventional, or Commercial Financing, I have the expertise to guide you through the entire processâensuring well-informed decisions at every step.
I also specialize in various refinance programs, including FHA Streamline, VA Streamline, USDA Streamline, and HARP. No matter if you're in Orlando, Tampa, or Jacksonville, I'll work tirelessly to find the best refinancing options for you.
Orlando is a vibrant city known for its diverse communities and world-class attractions like Disney World. I take great pride in helping clients in this dynamic area secure mortgage solutions to turn their dreams into reality.
In Tampa, a perfect mix of modern and historic charm, I'm here to help whether you're settling in the city center or one of its picturesque suburbs. I provide valuable insights and unwavering support through every phase of the mortgage process.
And let's not forget Jacksonville, home to beautiful beaches and thriving communities. With my expertise in Commercial Financing and residential mortgage solutions, I can offer a wide variety of options to help you achieve your homeownership or investment goals in this flourishing city.
As your trusted mortgage advisor, I look forward to guiding you through every step of this exciting journey. Whether you're in Orlando, Tampa, or Jacksonville, you can count on me to provide personalized service, expert advice, and unwavering support as we work together to achieve your goals.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
Sr. Mortgage Loan Advisor
Coast2Coast Mortgage | NMLS: 1710121
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