Why Use A Florida Mortgage Broker?

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice and options for your mortgage needs.

A Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What's more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

So why deal with a Mortgage Broker?

Mortgage Brokers represent you, the customer, not the lender. Because they are not employees of a lending institution, brokers are not limited to the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Large wholesale mortgage lender, Chartered Bank or Private Funds.

There is a wide assortment of options and features available to home buyers today. Shopping around takes a lot of time and effort. The mortgage process within today's very competitive marketplace intimidates many home buyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.

Choosing the wrong mortgage can cost you thousands of extra dollars. Mortgage brokers are trained professionals who can help you save on your mortgage dollar.

             

Have you Been Turned Down by your Bank or  New Home Construction Lender Because?

• The credit score is a little too low.
• They require 10% or 20% down payment.

Reasons to use a Mortgage Broker

• Access to different lenders, banks, trust companies, investors and financial institutions. 
• Fast credit and loan pre-approvals with no cost or obligation. 
• They are experts at matching you with the best-suited mortgage. 
• Get mortgage rates at wholesale.
• They work for YOU, not the bank. 
• Up-to-date on all the mortgage rates, terms and repayment options available on the market. 
• They only specialize in mortgages and are knowledgeable on current trends. 
• They save you time and money! 
• Brokers have vested interest in satisfying your needs since they rely on referrals and repeat business. 

Why should I go to a Mortgage Broker first?

A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly.

Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result.

You don't call an insurance company for insurance - you use an insurance Broker, because of their expertise, product knowledge, and rates. So remember, call your Mortgage Broker first!

Other than rates, why should I use a Mortgage Broker?

In addition to rates, because mortgage-based financing is the Broker's primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project but often whether a project is funded at all.

How do Mortgage Brokers find superior rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, Brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers.

These rates and preferences for types of mortgages can change daily, depending on economic circumstances or based on the size of an institution's portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.

We offer loans for the entire state of Florida and all of the following cities;
Monroe County Florida Cities; Big Pine Key, Islamorada, Key Colony Beach, Key Largo, Key West, Long Key, Marathon, Marathon Shores, Sugarloaf Shores, Summerland Key, and Tavernier
Collier County Florida Cities; Marco Island, Naples Golden Gate,
Lee County Florida Cities: Alva, Boca Grande, Bonita Springs, Buckingham, Captiva, Cape Coral, Fort Myers, Fort Myers Beach, Lehigh Acres, Sanibel and Jacksonville, Tampa, Saint Petersburg, Hialeah, Orlando, Fort Lauderdale, Tallahassee, Hollywood, Pembroke Pines, Miami, Palm Beach, West Palm Beach, Boca Raton, Miramar, Sarasota, Gainesville, Bradenton