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We strive to offer you the ideal financing solution
for your mortgage needs.
Looking for a Tailored & First-Class Mortgage?
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You need a mortgage brokerage that anticipate your needs and provides you with tailored loan options and tailored customer service.
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Tailored Loan Types
Federal Housing Administration (FHA)
A Federal Housing Administration (FHA) loan is a home mortgage that is insured by the government and issued by a bank or other lender that is approved by the agency. FHA loans require a lower minimum down payment than many conventional loans, and applicants may have lower credit scores than is usually required.
Conventional Loan
A conventional loan is a mortgage loan that's not backed by a government agency. While some government-backed loans provide unique benefits to homebuyers, conventional loans remain far and away the most common type of mortgage.
Jumbo Loan
A jumbo loan is a type of conventional loan that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA) for Fannie Mae and Freddie Mac. In 2023, single-family mortgages with balances higher than $726,200 in most U.S. counties (and $1,089,300 in high-cost areas) will be considered jumbo.
Veterans (VA) Loan
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs and issued by a private lender, such as a bank, credit union or mortgage company. A VA loan can make it easier to buy a home because it typically doesn't require a down payment. Only qualified U.S. veterans, active-duty military personnel and some surviving spouses are eligible for VA loans.
Adjustable Rate Mortgage
The term adjustable-rate mortgage (ARM) refers to a home loan with a variable interest rate. With an ARM, the initial interest rate is fixed for a period of time. After that, the interest rate applied on the outstanding balance resets periodically, at yearly or even monthly intervals. ARMs are also called variable-rate mortgages or floating mortgages.
Non-Qualified Mortgage
A non-qualified mortgage (non-QM) is a home loan designed to help home buyers who can't meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or don't have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.
Getting the right mortgage,
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testimonials
Sophia is the absolute best! Her knowledge, attentiveness and communication was the best I’ve seen. She took care of our transactions as if we were her only clients. I would absolutely recommend Sophia to all Agents and Buyers out there. Top tier service. Thanks so much!
Words can’t convey how much we appreciate your expertise during the big decision of purchasing a home. It felt daunting at the beginning but you smoothed everything so clearly. We so appreciated the time you spent helping us navigate the process. Thank you so much!
Sophia Louis aka Mortgage Loan Originator, is the best of the best. She made things happen. I thank God that he put her in our path to process the loan to closing. She is always on her A+++ game, day and night. She goes above and beyond!! May God continue to bless her with more clients!
Thorough and kind. Customer service is at an all-time high. Sophie truly assess and assist each individual client. As a realtor, Sophie makes me look good, for having such an incredible and diligent person on my team makes me look good as well. She knows her stuff!
Unfortunately it’s not often you get to work with individuals who enjoy their craft. Sophia’s level of professionalism and her passion for what she does comes second to none! If you’re looking for someone who will take the time to understand your needs, and are willing to do whatever it takes to help your dreams come true look no further!
There are absolutely no words grand enough to describe Sophia’s incredible work ! She was such a pleasure to work with. She guided my home buying process with so much passion and enthusiasm. Where there is a will there is a way and Sophia did just that. Her communication was top tier, she kept in touch with me so thoroughly to make sure I understood everything in the process. Her knowledge and dedication was everything. I couldn’t have been more pleased ! Thank you for everything!
we are available to service on the clock! Contact Us Today!
latest mortgage news
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Securing a Home Mortgage: A Step-by-Step Guide
Buying a home is one of the most significant investments most people will make in their lifetime. Securing a home mortgage is an important and daunting process, but it doesn’t have to be overwhelming.
October 13, 2023Read More -
Getting a Mortgage: A Step-by-Step Guide, Tutorials, Tips and More…
Getting a mortgage is a big financial decision that can have a significant impact on your future. It requires careful preparation and research to ensure that you obtain the most favorable terms for your particular situation. This guide will provide you with a step-by-step overview of the mortgage process, from preparing to get a mortgage
December 6, 2023Read More -
When Is the Best Time to Refinance Your Home and Why – Tips & Tricks to Win?
Refinancing your home is a great way to save money and secure a better financial future. It’s important to know when the best time is to refinance your home in order to get the most out of it. In this article, we’ll discuss what refinancing is, the benefits it offers, when the best time to
November 22, 2023Read More -
What Is a Home Equity Line of Credit or HELOC?
A Home Equity Line of Credit (HELOC) is a loan that allows you to borrow against the equity in your home. It is a revolving line of credit. Meaning you can borrow up to a certain limit and pay it back without having to reapply for a loan. With a HELOC, you can access funds
November 1, 2023Read More -
When Is the Best Time to Buy a Home? Benefits of Ownership, Factors to Consider
When is the best time to buy a home? Buying a home is an exciting and often daunting decision. It’s important to do your research and consider all factors before taking the plunge. Understanding the benefits of homeownership, the factors to consider, the best time of year to buy, and how to prepare for the
October 23, 2023Read More
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433 Plaza Real Suite 275, Boca Raton FL, 33432 Company NMLS #: 2516304 Broker NMLS #: 2096970
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240-217-6079
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433 Plaza Real Suite 275 Boca Raton FL, 33432 Company NMLS #: 2516304 Broker NMLS #: 2096970
-
240-217-6079
-
-
240-217-6079
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