Attention Florida Home Owners! The Federal Reserve has reduced the Federal Funds Rate 75 basis points this past week. Many home owners may be able to take advantage of attractive fixed rates. Now is the time to find out how much you can save. A ten minute phone call could save your hundreds per month!

Is your ARM mortgage due to reset at a higher payment this year?
Are you interested in reducing your monthly payments and saving hundreds per month?
Do you want a lower interest rate that is fixed for the entire life of the loan (30 YR Fixed, 40 YR Fixed)?

Do you want a free quote and want to choose the options that are best for your situation? I will advise but allow my clients to make their own decisions. There is absolutely no pressure.

You choose when you want to move to the next step. I only work with home owners who want to make a difference in their financial situation. I will only complete loans that will benefit your financial situation. If you decide not to go through with a quote, that’s OK. Shop around and I will try to beat it. If I can’t I will tell you to get the best deal possible.

I have saved hundreds of clients thousands of dollars. I have helped thousands of people increase their net worth, reduce their payments, and better their credit. I only work with home owner’s who have the desire to save money, reduce their debt payments, and want a fixed rate home loan with no hassles.

My initial consultation is free, and includes a free credit report. All fees are wrapped into the refinance (except for appraisal). I will need 10 minutes of basic information such as: your credit, income, current loan information, and your goals.

You may call or E-mail to schedule a phone consultation or complete an initial secure bank application online. Your information is confidential and will not be shared. I will contact you by phone to review your home loan goals, and determine whether we want to work together.

I am very upfront, honest, and will close your loan when you want to close. I have a method for success. I do not rush closings. I want to make sure you understand your loan and the process. I handle all details and follow up with daily e-mails or phone calls. I want to ensure you know where you are in the process.

Loan Process (7-14 days)
1. Initial 10 minute phone consultation to gather information and goals (includes, home loan, income, credit, and work history).
2. Create options for your review. I will give three loan options and including interest rates. Approve and move forward or disapprove quotes, no obligation.
3. Schedule appraisal, order title, sign initial application, good faith estimate, and truth and lending documents. Submit to underwriting for speedy approval.
4. Review all mortgage pay offs, approval conditions, and final numbers before you give the OK to schedule the closing.
5. Schedule closing and sign final closing documents. (three day right of rescission in the state of Florida on all refinance transactions).
6. Follow up with your new loan, and contact you to make sure your satisfied with your new home loan.