Direct Lender

We provide competitive rates and products tailored to each client’s individual needs.

How can we help you?

Refinance Advisor

Our Free Refinance Advisor has been designed to help narrow down options based on your...

Read more

Purchase Assistant

Our Free Purchase Assistant has been designed to help narrow down options based on your...

Read more

Debt Eliminator

Our Free Debt Eliminator has been designed to help narrow down options based on your individual...

Read more

Considering purchasing a home or refinancing

There is a reason why so many of our past
clients continually refer their friends...

Read More

  • Bad Credit Home Loans

    Consumers in search of bad credit home loans may be surprised to discover they have multiple options. While homebuyers with excellent credit qualify for mortgages with the most favorable terms, there are several programs and loans available for prospective homeowners buying a home with bad credit.


    • A home equity loan—also known as an equity loan, home equity installment loan, or second mortgage—is a type of consumer debt. Home equity loans allow homeowners to borrow against the equity in their home. The loan amount is based on the difference between the home’s current market value and the homeowner’s mortgage balance due. Home equity loans tend to be fixed-rate, while the typical alternative, home equity lines of credit (HELOCs), generally have variable rates.

    • A private mortgage is a loan created between private individuals for the purchase of real estate. The lender, who could be a friend, family member, colleague, or investment firm, will loan the money to the borrower just as a bank would, securing themselves with a mortgage note or comparable contract. The loan is then paid back over time through monthly principal and interest (P&I) payments, earning the lender interest on the original principal balance.

    • Aportfolio loan is a kind of mortgage that a lender originates and retains instead of offloading on the secondary mortgage market. Because a portfolio loan is kept in the lender’s portfolio, or “on the books,” the lender sets the standards — and sometimes favorably for borrowers.

  • New Home Buyers

    Buying a home is still considered a key aspect of the American dream. As a first-time buyer, you have access to state programs, tax breaks, and federally backed loans if you don't have the usual minimum down payment—ideally 20% of the purchase price for a conventional loan—or you're a member of a certain group (see the Important callout below). And you may qualify as a first-time buyer even if you're not a novice.

    First-time homebuyer costs can seem overwhelming. But, luckily, there are several options for assistance with your down payment and closing costs, including charitable and government-sponsored programs. Local and federal tax credits can lessen the bite, and there are also educational programs that can offer help at every step.

  • Traditional Loans

    A conventional mortgage or conventional loan is any type of home buyer’s loan that is not offered or secured by a government entity. Instead, conventional mortgages are available through private lenders, such as banks, credit unions, and mortgage companies. However, some conventional mortgages can be guaranteed by two government-sponsored enterprises; the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).

    Conventional mortgages typically have a fixed rate of interest, which means that the interest rate does not change throughout the life of the loan. Conventional mortgages or loans are not guaranteed by the federal government and as a result, typically have stricter lending requirements by banks and creditors.

  • Reverse Mortgage

    A reverse mortgage is a mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property. The loans are typically promoted to older homeowners and typically do not require monthly mortgage payments. Borrowers are still responsible for property taxes and homeowner's insurance. Reverse mortgages allow elders to access the home equity they have built up in their homes now, and defer payment of the loan until they die, sell, or move out of the home. Because there are no required mortgage payments on a reverse mortgage, the interest is added to the loan balance each month. The rising loan balance can eventually grow to exceed the value of the home, particularly in times of declining home values or if the borrower continues to live in the home for many years. However, the borrower (or the borrower's estate) is generally not required to repay any additional loan balance in excess of the value of the home.

Customer Testimonials

I've been in the mortgage business for 20 years. Brad Siebert is on of the most capable brokers I've worked with in that time. If your looking for a loan, go see Brad at The Mortgage Firm

image
Jeremy DormanFlorida

Brad was able to make happen what other companies couldn’t to get my home. Scarlott was amazing and friendly through the whole process and very informative. Highly recommended!

image
Michael SternFlorida
image

Request A Consultation

Contact us to discover how we can help you acheive your dreams.

Loading

Latest Blogs

11 Sep

Local Market Trends for Orlando Real Estate in 2023: What Buyers and Sellers Need to Know

The Orlando real estate market is a hotbed of activity, with strong demand and limited inventory driving up home prices. In 2023, the market is expected to remain competitive, with home prices continuing to rise. Home prices: The median home price in Orlando was $375,000 in July 2023, up 0.5% from the previous year. This […]

Read More
28 Aug

Fortifying Your Investment: A Comprehensive Real Estate Hurricane Preparedness Guide

Hurricane Idalia is approaching the United States, and it is important for real estate companies and individuals to be prepared. Your real estate is more than just bricks and mortar; it’s an investment, and one that’s vulnerable to the unpredictable forces of nature. Hurricanes, in particular, can wreak havoc on properties, potentially leading to significant […]

Read More
21 Aug

From House Hunters to Homeowners: How to Find Your Real Estate Wizard

Selecting the right real estate agent is a decision that can significantly impact your property journey. It’s not merely about buying or selling; it’s about securing your financial future. This guide will delve deep into the qualities you should seek in a real estate agent, the critical questions to pose during the interview process, and […]

Read More
Translate »
Skip to content