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.: Home Purchase |
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Purchasing
a home can be a very traumatic experience. So many choices. So many
decisions. So many steps. So much documentation. So much of everything.
Let us help you make some of the choices by explaining some of your
options. Let us help you with some of the decisions by suggesting
the best choices for your own very unique situation. Let us guide
you through the steps. Let us help you put together your documentation.
Let us help you every step of the way with the process. If you are
confused, let us help make things clearer.
Call us at 352-242-1444 or apply
online. We can help you now! |
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.: Refinance |
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How does
your current loan compare to others available in today's market? Is
it true that you must reduce the rate on your current mortgage by
2 points to have a loan that makes sense financially? What are your
options other than rate and term finance? Do you have a debt to consolidate?
Is it better to refinance or to do a home equity loan? If I refinance
or do a home equity loan, will I have to pay for the closing costs
out of my own pocket? What is the best way for me and my family?
Call us at 352-242-1444 or apply
online. We can help you to make financial decisions by
giving you the facts based on your own individual circumstances. |
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Home Equity |
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Did you
know that there are over 10 different variations of home equity loans?
Did you know that you can save yourself some major expense if you
do a refinance and a home equity loan at the same time? Do you know
what a "piggyback" is? Did you know that you can use a home
equity loan to finance the down payment for the purchase of a business
or commercial property? Did you know that you can use the funds from
a home equity loan to fund debt consolidation, home improvements or
educational expenses?
Call us at 352-242-1444 or apply
online. We will be glad to explain your options and assist you
by providing the unbiased facts as they apply to you. |
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Renovation & Construction |
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Building
a home to your own specifications is an exciting and challenging time.
There are many things to consider. Who do I use to draw up the plans
for my new home? Do I have my own lot already? How do I look for a
builder? How much cash will I have to contribute and how much will
the lender finance? How long will it take for me to have my home C/O'ed
and what rate will I pay during the construction period? Is it really
necessary for me to obtain a constuction loan? What are my financing
options? How do I arrange for permanent financing? What will my closing
costs be? Will it be cheaper for me to do a one-time close construction/perm
loan? If I want to build an addition, can I use the equity created
by the addition to help me obtain a loan? Will it be cheaper for me
to just do a home equity loan? Can I use the proceeds of a home equity
loan to do my improvements? Today there are more options than there
have ever been to build your own home or improve the one that you
already own. Often, traditional construction loans are not necessary.
Call us at 352-242-1444 or apply
online, we will make this very confusing process easier
for you. |
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.: First Time Home Buyers |
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Buying your first home can be exciting. Let us work with you to
make sure that this important step is a pleasureable and memorable
experience. Government loans are not the only options available
anymore. Did you know that you can not only buy a home with no money
down, but that you can roll all of your closing costs into the loan
as well. Sometimes you can even pay all of your closing costs but
also come away from the closing with cash in hand to consolidate
debt or enough cash to start furnishing your new home. Often you
can do this with absolutely no cash out of your own pocket.
Call us at 352-242-1444 or apply
online. Ask for our 103
option or 107
option.
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.: Blemished Credit / Credit Repair |
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Have you
been bankrupt? Do you have derogatory credit? Do have great credit
but employment instability? Did you know that you can still get a
good loan? Did you know that we can work with you to get you to the
point where you can own your own home? Call us so that we can discuss
your situation, we can get you back on track.
Call us at 352-242-1444. |
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.: Debt Consolidation |
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Are you being
bombarded by solicitations for debt consolidation and Home Equity
Lines Of Credit? Are you concerned about your debt structure but been
unable to make a dent in the amount of money that you owe? Do you
have excellent or good credit, but just too much of it? Do you struggle
each month with all of your payments, always make the minimum payments
only each month or owe a personal debt that you would like to pay
back? Do you want to build a pool, an addition or improve your home
in some way in addition to consolidating your debt into one easy monthly
payment? Did you know that you could do debt consolidation with a
home equity loan or with a refinance? Did you know that you can do
both at the same time and that you can sometimes eliminate PMI at
the same time? Did you know that you do not necessarily have to have
a lot of equity in your home to enjoy the potential tax and monthly
payment advantages of a debt consolidation loan? Do you have a bunch
of questions, but would prefer to sit down with someone face to face
to discuss your own very unique set of circumstances? Would you appreciate
someone being honest and frank with you? Would you appreciate it even
more if the person that you were talking to were candid enough with
you that if they thought that debt consolidation was not right for
you, that they would tell you so?
In a nutshell, would you like to know what the money center banks
would prefer that you not know? Please do not put it off any longer.
Call us now at 352-242-1444, or apply
online. We look forward to
talking to you.
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.: Zero Equity |
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These loans,
though we do them often, are not for everyone. The rates, although
lower than credit cards, are higher on these loans than a traditional
first or second mortgages. They are excellent programs for home improvement
and debt consolidation. The credit and income documentation on these
loans are very strict. They allow for a loan amount in the second
mortgage position that can be up to 125% of your home's fair market
value.
Call us for details at 352-242-1444 or apply
online. Ask for the 125
option. |
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Reverse Mortgages |
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You must
be 62 or older to participate in this program. Interest in this product
has been phenomenal over the past three years. It enables a senior
to participate in a benefit program that allows the individual to
take equity out of their homes without any obligation to pay it back.
There are never any payments for the life of the senior. The client
can opt to have the funds paid to them in a monthly payment, as a
line of credit to draw on or as a combination program. The income
is not taxable and it can help to relieve the financial stress sometimes
associated with our golden years. You cannot apply for this benefit
program ONLINE. A complete credit application is not required and
most of the closing costs can be rolled into the credit line.
Call us for details at 352-242-1444 in order that we can answer your
questions. |
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Stated Income / No Documentation |
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Are you
self-employed? Do you make enough money to afford a home, but can
not verify that in a traditional way? Are you a wage earner but much
of your income is paid in cash? Never in our history have there been
so many self-employed individuals. Until recently, it has been difficult
to obtain a loan for the purchase of a home because of the inability
of the typical small business to account for income. We have numerous
programs available to assist the individual that does not have verifiable
income and wants to purchase a home. Some of these programs require
no documentation of income or assets and many allow for 100% financing.
The interest rates for these programs are excellent.
Call us at 352-242-144 or apply
online. Let us show you how easy the process can be. |
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