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Loan Products

There are many loan programs available.  We have highlighted the programs that are commonly offered today.  Characteristics of each loan program are unique, and I will help you choose the best program that fits your lifestyle, needs and most importantly your monthly budget.  

To help determine the best loan program for you, consider the following:

  • How Important Is Payment Certainty? If knowing that your payment will be
       the same every month is important, consider a fixed-rate mortgage.
  • How Important Is Rapid Equity Buildup? If rapid equity buildup is a factor,
       consider a shorter amortization period, such as a 15-year, fixed rate mortgage. 
  • Do You Anticipate Increasing Or Stable Income? If income growth is anticipated, you
       could take advantage of a lower start rate or an ARM or temporary buy down. 

Other Factors To Consider Include:

  • Ability to qualify at market rates for loan amount selected
  • Anticipated term of occupancy
  • Possibility of significant rate changes
  • existence of up-front costs

Current Market Trends

First Time Homeowner

A person’s first home purchase is a big deal. It takes time, energy, and money. To help with the money hurdle, use first time home buyer loans. These programs vary depending on where they’re offered, but the general idea is this: first time home buyer loans give financial assistance to qualified borrowers. 

Refinancing

Refinancing is one of the most powerful financial tools the average homeowner has. Just as the home is most people’s largest investment, the mortgage is usually their largest debt. Refinancing the mortgage can save you hundreds of dollars a month and provide you with thousands in cash all in one transaction.

New Construction 

New home construction is making a comeback in Hillsborough, Pinellas & Pasco Counties.  We offer a competitive program from start to finish or can simply assist you with the end loan at the completion of the home.  Down payment will depend on a few different things.  Contact me for more details.  

Debt Consolidation​​

If your bills are piling up and you are tired of paying high interest rates breathe a little easier and consolidate your debt into one bill. When you consolidate your debt you allow yourself the convenience of ONE monthly payment, paying ONE low rate and saving money.

Still Have Questions?

Home Improvement​

With a home improvement loan you can create your dream home out of the house you’re already living in. Whether you’d like to build a gourmet kitchen, add on a master bedroom suite or turn the basement into a family room, this loan is may be the answer to your needs.

Lets Get Started!

FHA VA Purchase / Refinance​

Ideal for a first-time homebuyer with low to moderate income, a Federal Housing Administration (FHA) loan can be a great way to get into a new home. Because these government-insured loans are backed by the FHA, a smaller down payment is required. FHA loans are available as a fixed rate mortgage or an ARM.

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