Purchasing A Florida Home?

During the Purchase of a Florida home, I am at your service every step of the way! Whether you're a First Time Buyer or a seasoned veteran, at your initial Florida mortgage consultation, I will help you to determine how much you can borrow. This process is called Pre-Qualify. Your income, credit profile, debt, assets and employment history are all considered for pre-qualification. Get familiar right now with the Florida Mortgage Loan Process and Mortgage Loan Products. Depending on the Florida Mortgage Programs you qualify for, you may not need a down payment. 80/20 programs (an example of 100% financing) do not require a down payment. Another program, the Florida FHA mortgage allows you to put down as little as 3% for a down payment.

Closing costs typically vary from 3% to 6% of your loan amount. In some cases, closing costs can be financed into your new Florida mortgage loan. Broker fees, lender fees, pre-pays (items required by lender to be paid in advance), escrow account (set-up with the lender to pay your homeowner's insurance and property taxes in advance), appraisal fees, title insurance, recording fees and attorney's fees collectively make up the closing costs. Your down payment and closing costs are costs associated with obtaining a mortgage.

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