Customers first!
Do You Know Me Already? Have we spoken?
If so, Click on the 'Apply Now' link to the upper left. Go ahead and click on the 'Complete Application Form' link. Fill it out as much as possible, and send it to me. I will get back to you very quickly!
Have We Not Spoken Yet?
I suggest Clicking on the 'Apply Now' link to the upper left and then clicking on the 'Short Application Form' link in the middle and/or calling me at 407-472-3443!
You Are First!
Borrowers who are happy with the mortgage loan I helped them get are more important to me than anything else. My goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate or get a new home mortgage, our purpose is to help you first. By putting you first, we assure you a pleasurable transaction.
I am an FHA, VA, Rural Development, Fannie Mae, Freddie Mac, Conventional, Jumbo Loan, and First Time Home Buyer Residential Financing Officer! I have the answers to your questions.
Get fast answers
At my website you will find tools available to answer virtually any mortgage question. You would not believe how fast regulations and 'things' are changing in this business. I stay on top of them all so that you will always get the 'up to the minute' information, and you will always have confidence in my and your loan decision.
Trying to decide if now is a good time to refinance? Check out my Refinance Mortgage Calculator. Use my Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? My Loan Program page will help you find the right type of loan for you. Also, I'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
- Great Daily Rates! Wednesday, August 11th, 2010 (Credit, Income, Asset, and Equity conditions apply)
FHA 30 Yr Fix Conv 30 Yr Fix VA 30 Yr Fix
5.250% 0/0 5.250% 0/0 5.250% 0/0
5.000% 1/0 5.000% 1/0 5.000% 1/0
4.500% Ask ! 4.625% Ask! 4.000% Ask!
- "Cash-Out" FHA Refi Special Program going on right now
- 100% Financing Available! (Location and Income restrictions)
- Established Credibility
I have over 15 years of experience and knowledge working in this industry. I am the highest qualified mortgage banker in the state of Florida to help you with your financing, and I guarantee that you will love doing business with me!
- These rates/terms could be up to 3 days old. Call me for updated information!
Helpful Links:
FHA www.HUD.gov
VA www.VA.gov
RD www.rurdev.usda.gov/fl/
Do You Need Help With Your Credit? www.ClickHereForGreatCredit.com
More Helpful Information Links for you:
http://www.abcrealestatedirectory.com (Real Estate Directory)
http://www.abigdeal.com (Commercial Real Estate Search)
http://www.activerain.com (Online Community for Real Estate Agents)
http://www.adlinkre.com (Real Estate Agent Links)
http://www.agentmachine.com (Agent Referral Network)
http://www.agentpedia.com (Agent Referral Network)
http://www.Agent-Quest.com (Nationwide Real Estate Agent Directory)
http://www.Asreos.com (American Society of REO Specialists)
http://www.AssetFair.com (Debt Relief - unload or restructure your debt)
http://www.BestAgentsByState.com (Real Estate Agent Directory by State)
http://www.BestCentralFloridaProperties.com (Search Homes in Central Fl)
http://www.bpore.com (BPO Agent Referral Network)
http://www.brokeragentsocial.com (Networking Community of Realtors)
http://www.BuyIncomeProperties.com (Free Listings of Income Property)
http://www.buypropertiesonline.com (Real Estate Referral Service)
http://www.buysellnewhome.com (New Homes Directory)
http://www.castleyellow.com (Real Estate Services Directory)
http://www.choice1.com 1st Choice Vacation Rentals (Directory)
http://www.cityrating.com (Cost of Living Comparisons)
http://www.clarkhoward.com (Great Real Estate Info & Resources)
http://www.classifiedsre.com (Free Classifieds for RE Professionals)
http://www.clickRE.com (The Gateway to Real Estate)
http://www.commercialsource.com (NAR Commercial Marketplace)
http://www.commissionrates.com (Compare Commission Rates)
http://www.contactagents.com (National Real Estate Professional Directory)
http://www.corporateapartmentsphoenix.com (Short Term Housing Phoenix) http://www.cyberhomes.com (Home Values & Real Estate Resources)
http://www.countrywide.com/purchase/f_reo.asp (REO's for Sale)
http://www.daveramsey.com (Personal Finance Guru)
http://delicious.com (Real Estate Bookmarks)
http://www.directorycommercial.com (Commercial Real Estate Directory)
http://www.directoryluxuryhome.com (Luxury Home Directory)
http://www.directoryrealestateagent.com (Real Estate Agent Directory)
http://www.directoryrealestateinternational.com (International Directory)
http://www.dmoz.org (Open Directory Project)
http://www.dqnews.com (Real Estate News & Custom Data)
http://www.evalonline.com (Property Evaluation Solutions)
http://www.firstpreston.com (HUD - Housing & Urban Development)
http://www.FixBer.com For-Sale-By-Owner (FSBO) Site
http://www.flabar.org (Florida Bar Association)
http://www.flipit.com (Flip Properties Resource Site)
http://www.floridalivingnetwork.com (Florida Assn. of Realtors)
http://www.floridarealtors.org (Florida Assn of Realtors)
http://www.foreclosure.com (Foreclosure Resource Network)
http://www.foreclosuredirectory.net (Foreclosure Services Directory)
http://www.fsbohomeguide.com (For Sale By Owner listings)
http://www.golfpropertyspecialist.com (Golf Property Directory)
http://www.goswap.org (Property SWap and Trading Site)
http://www.greatschools.net (Local School Information)
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Sr. Loan Officer/Dir. Builder Services Development
Fidelity Funding Mortgage Corp
150 Cranes Roost Blvd, Ste. 2250
ALTAMONTE SPRINGS, FL 32701
Office Phone: (407) 472-3443 Fax: (407) 774-0072 Toll Free: 888-774-4410 ext. 232
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Even More Helpful Information Links for you:
http://www.forsalebyowner.com (For Sale By Owner Listings)http://www.freewebdirectory.us (Directory of Agents & Agencies)
http://www.frontdoor.com HGTV - (One-Stop Shop for Home Searching)
www.fsbohomeguide.com
www.golfpropertyspecialist.com
www.goswap.org
www.homegain.com
www.homepages.com
www.homepages.com/rockspringsrealty
www.homesales.gov
www.homes-for-sale-by-owner.info
FHA, VA, RD, Conventional, Jumbo, First Time Home Buyer, Orlando, Winter Park, Maitland, Winter Springs, Oviedo, Casselberry, Apopka, Lake Mary, Sanford, Leesburg, Tavares, Mt. Dora, Eustis, Clermont, Kissimmee, St. Cloud, Longwood, Fern Park, Windermere, Gotha, Deltona, Debary, Orange City, Orange Park, Orange County, Seminole County, Lake County, Osceola County, Volusia County, Lake Nona, Tuscawilla, Dr. Phillips, Errol Estates, mortgage, mortgage financing, residential mortgage, residential financing
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We offer you the competitive rates and service you deserve. Whether you're a first time home buyer or are refinancing - we will find you the best rate and program for your situation. Apply online today for a no-cost, no-obligation pre-approval!
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 Mortgage News Daily
All Signs Point to Higher Rates in Week Ahead - 4 hours ago
Posted To: MBS CommentaryNFP has come and gone, let's see where things stand.... The October delivery FNCL 4.0 is -0-09 at 102-15. In the chart below I called attention to a few technical inflection points. The ascending trend channel that helped mortgage rates hit new lows on Wednesday has broken down and FNCL 4.0s have made their way back into the range that moderated price action for the majority of August. The falling knife found support and bounced higher directly in the middle of that range. 10s flagged lower for the entire month of August (all summer really) and are now flagging higher. The 2.625% coupon bearing 10 year TSY note is off its session price lows (98-24) at 99-07 yielding 2.715% (+8.8bps). 10s are the worst spot on the curve followed by 7s (+8.6bps) and the long bond (+7.6bps). Volume was heavy into...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
FHFA Establishes New Housing Goals for GSEs - 6 hours ago
Posted To: MND NewsWireThe Federal Housing Finance Agency (FHFA), conservator of Freddie Mac and Fannie Mae (the Enterprises) has established its final housing goals for the Enterprises in 2010-2011. FHFA is required by the Housing and Economic Recovery Act of 2008 (HERA) to set such goals for targeted segments of the mortgage market The new rules establish three goals for single-family, owner-occupied home purchases; one for low-income families, another for very low-income families, and a third for families living in geographical areas with lower-income populations, areas with high concentrations of minority residents, or federal declared disaster areas. The goal for disaster areas contains a sub-goal to ensure that the needs of lower-income and minority areas are addressed. A goal has also been established for...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Banks Prefer Cash Buyers in REO Sales; Freddie Mac Streamline Refi Program; Originator Capacity Constraints; Comments on Property Flipping - 6 hours ago
Posted To: Pipeline PressIf there's one thing that an investor will never let any originator off the buyback hook for, it's fraud . Not only that, but the penalties can go far beyond merely buying back the loan, and saying' "My bad." Just in the last few days, Laura-Jean Arvelo and Ronald O'Malley, a New Jersey mortgage broker and former head of the Bergen County Improvement Authority, was indicted by a federal grand jury on charges of preparing fraudulent mortgage applications. Both are charged with wire fraud, bank fraud and loan application fraud in order to take bogus documents and falsified applications to trick lenders into making mortgage loans and benefited from fees they received. Ryan Miller of Missouri was sentenced to more than 12 years in federal prison and pay $6 million in restitution for mortgage fraud...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Employment Situation Report: -54K Total Job Losses. Private Sector Adds 67k Positions. Bonds Sell - 8 hours ago
Posted To: MBS CommentaryTHE EMPLOYMENT SITUATION – AUGUST 2010 – BETTER THAN EXPECTED From the Release... Nonfarm payroll employment changed little (-54,000) in August, and the unemployment rate was about unchanged at 9.6 percent, the U.S. Bureau of Labor Statistics reported today. Government employment fell, as 114,000 temporary workers hired for the decennial census completed their work. Private-sector payroll employment continued to trend up modestly (+67,000). The number of unemployed persons (14.9 million) and the unemployment rate (9.6 percent) were little changed in August. From May through August, the jobless rate remained in the range of 9.5 to 9.7 percent. The number of long-term unemployed (those jobless for 27 weeks and over) declined by 323,000 over the month to 6.2 million . In August, 42...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
The Day Ahead: August Employment Data to Drive Markets - 8 hours ago
Posted To: MBS CommentaryMarkets are roughly flat Friday morning ahead of the widely anticipated employment report for August, which at 8:30 eastern time is set to show that jobs declined for the third straight month. Ninety minutes before the opening bell, the S&P 500 is down 0.75 to 1,089.00. The 10 year Treasury note is -0-07 at 99-25 yielding 2.65% (+2.5bps) and the October deliver FNCL 4.0 is -0-02 at 102-22. The employment report is anticipated to show that 100,000 jobs were lost last month, though the decline relates to disappearing Census jobs rather than another dip. Still, private payrolls should increase a modest 41,000, according to economists polled by Reuters, and manufacturing jobs should be up by 10,000. “Unfortunately, whatever we see privately probably gets fully offset by other public sector...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Mortgage Rates Move Higher Before Jobs Data - 23 hours ago
Posted To: Mortgage Rate WatchWhat a boring day in the markets! Stocks added to yesterday's gains and bonds added to their losses. This pushed mortgage rates marginally higher. The best 30 year fixed mortgage rates are still in the 4.125% to 4.375% range for well-qualified consumers, but less lenders are offering rates below 4.25% today. If your lender is still willing to offer a rate below 4.25%, your closing costs are about 25bps higher today (0.25% of your loan amount). AQ's comments from yesterday still apply... We're not panicking over this sell off. There has been no change in our fundamental economic outlook, we see no new reason to be optimistic about a rapid recovery. What we witnessed today was a technical adjustment, an adjustment that could reverse course on Friday morning if the Employment Situation Report...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Pending Home Sales Rebound from Record Low. What Might Boost Buyer Demand? - 1 day ago
Posted To: MND NewsWireThe National Association of Realtors released the Pending Home Sales Index today. NAR's Pending Home Sales Index measures the number of home purchase contracts that were signed in the monthly reporting period. Once "pending" sales contracts are closed, they are considered an existing home sale. Because the Pending Home Sales index tells us how many contracts were signed, it is consider a forward indicator of existing home sales. A signed contract is not counted as an existing home sale until the transaction actually closes. Excerpts from the Release... Following a sharp drop in the months immediately after expiration of the home buyer tax credit, pending home sales have modestly risen. The Pending Home Sales Index, a forward-looking indicator, rose 5.2 percent to 79.4 based on contracts signed...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Fed Hosts Neighborhood Stabilization Summit - 1 day ago
Posted To: MND NewsWireCommunity organizers, state and federal government officials, and representatives from banking, research and educations institutions are currently meeting in Washington at a REO and Vacant Properties Summit sponsored by the Federal Reserve Bank. The two day conference is focused on examining the problems associated with vacant and abandoned property and to explore approaches to neighborhood stabilization. Governor Elizabeth Duke, Board of Governors of the Federal Reserve opened the summit on Wednesday. In her remarks she introduced the types of issues that are faced by communities with high rates of foreclosure and REO and highlighted some of the lessons learned in the last few years about neighborhood stabilization strategies. She pointed out that the impact of each foreclosure goes far beyond...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Pre-NFP Outlook Plus Loan Pricing Comparison - 1 day ago
Posted To: MBS CommentaryWhat a rough morning! It appears my hard drive no longer wants to work. I tried to reach out for help, but no one answered. Then my gf called and reminded me that today is 9.02.10. This explains why Glenn is M.I.A, he's curled up on his couch watching re-runs of 90210! I think his favorite character is Dillon. Enjoy your day off Glenn! Oh well. I'm up and running again...... The day has not been so pleasant for originators either. Loan pricing is 2.9bps worse on average today. That doesn't sound too bad, but take a closer look. The largest rebate reductions were applied to the note rates closest to par. These are the rates most borrowers are hoping to be quoted. There is good news though, you can still lock in a rate below 4.25%! It's just gonna cost more at the closing table. The stock market...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Litany of Investor Bulletins: Mortgage Insurance, Appraisal Photos, Originator IDs, Incomplete GFEs, 203(b)'s, Reserve Requirements, No More ARMs - 1 day ago
Posted To: Pipeline PressIt's good to know the jumbo market is alive and well! Alive and well for Tiger Woods who just got a residential construction loan for $54.5 million on Jupiter Island in Florida, which he agreed to pay back by January 2016. Of course, folks like pediatricians are having trouble finding an 80% loan for a few million, as are self-employed borrowers like architects, CPA's, or sail makers. But there is hope! (No, I don't know the lender or the terms) OK, here goes, in no particular order, the very recent investor changes (skip to the bottom if uninterested). As always, readers should examine the bulletins themselves, but this will give you a flavor for what is happening: Fannie Mae told servicers that it updated the allowable foreclosure time frames in the states of FL, MD, NV, and NY, is monitoring...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it. |
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