Finding a Great Home Loan Doesn't Have to be Complicated.
WE MAKE IT EASY!
Fast Closing
Our average time till closing is under 30 days! Less waiting, and fewer last-minute surprises.
Low Rates
We work with multiple wholesale lenders to find you the best fit and lowest rates.
Loan Approval
Because we offer multiple types of loans, most of the loan applications we run get approved.
Custom Loans
Our niche loan offerings allow us to design a loan to best fit your lifestyle and say yes when others say no.
Loan Options
Conventional Loans: Conventional financing is so much more than what your parents got when they took out a loan in the past. With options as low as 1% as a down payment, many new homebuyers are able to purchase their next house with as little as 1 month’s rent payment.
FHA Loans: FHA Loans allow for lower credit scores, less of a downpayment, and some unique circumstances.
FHA 203K / Homestyle Loans: Buyers and those refinancing can bundle in costs of home renovation such as roofing, electrical, plumbing, air conditioning and heating into their mortgage.
Jumbo Loans: If you plan on buying a large, luxury home, the Jumbo Loan option could be the right fit for you. Large loan amounts can be financed for 15, 30 or 40-year terms with interest-only options. Since Fannie Mae and Freddie Mac will only write conforming loans to $453,100, Jumbo financing provides an excellent alternative to a cash purchase.
Non-Prime / Portfolio Loans: Non-Prime is a great option for people who get paid in unconventional ways, whether your self-employed or a business owner. Foreign national buyers or people who have gone through bankruptcies, short sales and foreclosures can benefit greatly from this creative lending option.
USDA Loans: USDA Loans provide financing to low-to-moderate income households in eligible rural areas.
VA Loans: Eligible veterans are able to get 100% financing (no money down) on a purchase of their new home. Veterans need to be acknowledged for their service. This loan is a huge benefit to those that are currently serving and those that have served.
VA Cash-Out Refinance Loans: Eligible veterans are able to take out 100% of the value of their property paying off their existing loan. The cash they take from their property can be used for debt consolidation, home improvements, or anything else that their heart desires.
VA Jumbo Loans: VA Loans in Hillsborough, Pinellas, Pasco, and Polk counties can be financed over $453,100. Eligible veterans still will enjoy the benefits of low down payment, no monthly mortgage insurance, and a great rate.
VA Renovation Loans: The VA Renovation Loan is a wonderful choice for veterans or military personnel who want to purchase a fixer-upper while also taking advantage of the 100% financing option available to them.
Medical Mortgage Program: Our Medical Mortgage Program is our way of giving back to nurses by providing unbeatable terms on their next home purchase using Conventional, VA, FHA mortgage financing. Thank you for taking care of my family, and we hope to be able to take care of yours.
Charles Rountree
Mortgage Loan Originator
NMLS: 2001554
Mortgage Calculator
Loan Checklist
To get started, you will need the following documentation for yourself and all coborrowers.
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Home Purchase:
- Most recent year of W-2 Forms.
- Most recent Pay Stub (not applicable for self-employed).
- Most recent formal statement for all cash accounts (checking, savings, etc.) – all pages.
- Copy of your driver’s license – take picture of ID and provide.
- If you are obligated to pay child support or alimony, need full divorce decree and/or child support income deduction order. Also, if you receive any child support or alimony income and want it to be considered in your loan approval, please provide the same.
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Home Refinance:
- Survey of your property – not required but saves you money if you can locate (shows boundary lines of your property).
- Owner’s Title Insurance policy – would have been mailed to you from the original title company within 60 days of closing. Not required, but saves you money on your closing if you can locate.
- Homeowner’s Insurance Declarations Page.
- Mortgage Statement for any and all mortgages on the home we are refinancing.
