Our Vision For Your Home Loan Experience
Imagine me as your mortgage advisor. What I do for you is invest my time, consulting, planning, organizing, and overseeing the details of your transaction. I want you to have a superb experience that causes you to want to introduce me to the people you care about most.
The purpose of my practice is referral, which means I must bring the type of value that makes you feel comfortable introducing me to the people you know who need my help. After all, a referral is sending someone you care about to someone you trust.
Residential Mortgages
Residential Mortgages are not all equal. You have dozens of options. Some offer you lower monthly payments, while others save you money over the term of the loan.
Find out what type of residential loan will work best for you.
FHA Loans
FHA loans are a great option if you have good credit, a little money saved for a downpayment, and you are a first-time homebuyer.
The terms of an FHA loan are strict, but you will
save money over the life of the loan, AND you will
lock-in a lower
monthly payment.
Refinancing
If you already own your home and need to lower your monthly payment or want to lock in a lower rate, refinancing is a great option!
Today's rates have never been lower, and you can ensure a return on investment using our refinancing formula.
First Time Homebuyers
Navigating the process of buying a home can be tricky. And there is a difference between what you CAN afford and what you SHOULD buy.
We will get to know you, what you want, what you need, and help you figure out the best financial plan for you.
Zero Down Mortgage
If you want to buy a home but don't have much in savings, a zero-down mortgage might be perfect for you.
There are specific criteria you need to meet to qualify for these loans, and there are still other costs like home inspection and appraisals that will require some out of pocket costs.
VA Loans
First, thank you for your service! Helping veterans apply for VA loans is one of the most rewarding parts of our job.
Second, you need to know the advantages of a VA loan and some of the loan program's quirks.
Conventional Loans
In general, if you have good credit, 20% or more for a downpayment, and a low debt-to-income ratio, a conventional mortgage might be your best option for the lowest rate and the best payment terms.
There is no signal set of requirements for conventional loans; however, independent mortgage brokers can compile your information and shop your loan to dozens of banking institutions without penalizing your credit score.
About Treasure Coast Home Loans
A big part of financial freedom is having your heart and mind free from worry about life's what-ifs.
Learn more about Treasure Coast Home Loans, our goal to help everyone achieve financial freedom, and peace of mind through homeownership.
Mortgage Services for Homebuyers and Sellers
As your friend and mortgage expert, we will find the best loan type for you
First Time Home Buyers
Navigating the process of buying a home can be tricky. And there is a difference between what you CAN afford and what you SHOULD buy.
We will get to know you, what you want, what you need, and help you figure out the best financial plan for you.
List of Services
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Civil Services and First RespondersList Item 1
As a civil servant, you are considered a low risk by mortgage lenders due to job security and benefits packages.
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Move-up BuyersList Item 2
We will help find the right loan type for you. We will also help you figure out what to budget for moving expenses, sale prep expenses, and other costs that you might not anticipate on your own.
List of Services
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Second HomeList Item 1
If you are looking to buy a vacation rental, single-family rental, multi-family rental, vacation home, or family home, Treasure Coast Home Loans can help you find the best loan terms at the best rate.
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RelocationList Item 2
We are here to help. Not only will we find the right loan type for you, but we will also help you figure out what to budget for moving expenses, sale prep expenses, and other costs that you might not anticipate on your own.
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Downsizing
Priorities have changed. You just don't need as much space as you use to. You're ready to live a little smaller so you can live a little bigger.
Home Sellers
Navigating the process of buying and selling a home can be tricky. How much you can afford, the timing of a deal and the equity in a home call all play a critical role in determining how much money a bank will let you borrow.
Fortunately, there are all kinds of loan types, from bridge loans to private money loans to help make moving stress free (at least financially stress free).
We will get to know you, what you want, what you need, and help you figure out the
best financial plan for you.
Treasure Coast Home Loan Updates and News!
Find out what is happening in the mortgage industry and how it affects the Treasure Coast.
Home Inspection Negotiation Guide: How to Request Repairs Without Losing the Deal | Florida
Meta Description: Learn how to negotiate inspection repairs effectively without losing your Florida home purchase. Expert guidance on prioritizing issues, requesting repairs vs credits, and successful negotiation strategies.
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Self-Employed Mortgage Florida: Complete Guide for Business Owners | Get Approved
Meta Description: Discover how Florida business owners and self-employed professionals can qualify for mortgages despite tax strategies that reduce reported income. Expert guidance on documentation, income calculation, and approval strate
Closing Costs Explained: Complete Breakdown for Home Buyers | What to Expect
Meta Description: Discover the complete breakdown of Florida closing costs before you’re surprised. Learn which fees are negotiable, how to reduce costs, and what to expect at closing. Expert mortgage guidance.
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How to Remove PMI: Complete Guide to Eliminating Private Mortgage Insurance | Florida
Meta Description: Stop throwing money away on PMI. Learn 5 proven strategies to eliminate private mortgage insurance from your Florida mortgage and keep more money every month. Expert guidance included.
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Changing Jobs During Mortgage Process: What Florida Buyers Must Know Before It’s Too Late
Meta Description: Discover why changing jobs during your mortgage process can destroy your home purchase, even for better pay. Essential guide to employment requirements, timing, and avoiding loan denial.
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Home Buying Contingencies Explained: Florida Buyer’s Complete Protection Guide
Meta Description: Learn when to use and when to waive home buying contingencies in Florida. Expert guide to inspection, appraisal, and financing contingencies that protect your purchase and earnest money.
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Using Gift Money for Down Payment Florida | Complete Guide to Gift Fund Rules
Meta Description: Learn the essential rules for using gift money for your Florida home down payment. Expert guidance on documentation, acceptable donors, timing, and avoiding delays. Complete first-time buyer guide.
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HOA Fees & Rules: Florida Home Buyer’s Essential Guide | What to Know Before You Buy
Meta Description: Discover what Florida home buyers must know about HOA fees, special assessments, rules, and restrictions before purchasing. Expert guidance on evaluating HOA communities and avoiding costly surprises.
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Pre-Approval vs Pre-Qualification: Critical Difference Florida Home Buyers Must Know
Meta Description: Discover why pre-approval is essential for Florida home buyers and how it differs from pre-qualification. Learn the process, required documents, and why sellers prefer pre-approved buyers. Expert mortgage advice.
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Escrow Accounts Explained: Florida Homeowner’s Complete Guide | Why Payments Change
Meta Description: Understand escrow accounts, why your Florida mortgage payment changes, and how to manage property tax and insurance costs. Expert mortgage broker explains everything homeowners need to know.
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