Attention: Aspiring homeowners
Buy Your Home the Smart Way — Without Costly Mistakes or Guesswork
A clear, step-by-step roadmap to buying a home with confidence — written by a lender who’s helped thousands of buyers navigate every market condition.
Written by Linda Shinpaugh, Mortgage Expert & Loan Originator
NMLS #292854
Unlock A Stress Free Home Buying Experience
Understand your mortgage options before you apply
Know exactly what to do (and when) at every step of the process
Avoid common mistakes that cost buyers time, money, and peace of mind
Feel prepared, confident, and in control on closing day
Download For Free Today
ask us anything!
Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
321-917-5789
Get a Personalized Mortgage Plan
Our Clients Get Their Dream Homes With Our Mortgage Solutions.
Your Trusted Partner in Home Financing
We’re more than just a mortgage lender—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget. From first-time buyers to experienced homeowners, we’re here to offer guidance, support, and expertise every step of the way.
Effortless Mortgages
We streamline the mortgage process to make your homeownership dreams a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
FHA Loans
FHA loans are perfect for many first-time homeowners because they are easier to qualify for if you have less-than-stellar credit. You will not have to make a sizeable down payment, and they are insured against default by the Federal Housing Administration. The normal down payment amount is 3.5%, although this can be provided by a close family member or friend as a gift.
Conventional Loans
Conventional loans often require higher credit scores and a larger down payment compared to government-backed loans. However, they can offer more flexibility, such as not requiring mortgage insurance if the down payment is at least 20%. Conventional loans are a popular choice for borrowers with strong credit profiles and stable financial histories
VA Loans
VA loans are specifically for military veterans and their spouses. They are guaranteed by the Department of Veteran Affairs and require 0% down. The government designed this program to help military personnel achieve home ownership with no down payment requirement.
Fixed Rate Mortgages
The most common type of loan is a fixed-rate mortgage. In this type of loan, you will have monthly principal and interest payments that never change during the loan period. These loans typically last between 10 and 30 years, but you can pay yours off early with no penalty. It is an amortized loan, meaning it will be paid off by the end of the loan term. If your property taxes or homeowners insurance changes, the monthly payments are adjusted.
Adjustable Rate Mortgages
Adjustable rate mortgages, or ARMs, have an interest rate that moves over time. They usually feature a fixed-interest rate for a period of time before changing. They are typically amortized over 30 years and the lower initial interest rate allows borrowers to start with a lower monthly payment which makes purchasing a home easier.
Refinances
Refinancing allows you to adjust your mortgage terms, potentially lowering your monthly payments and saving on interest. Lower Rates: Access competitive interest rates for savings.
Flexible Options: Tailored refinancing plans to meet your goals.
Expert Guidance: Support throughout the refinancing process.
FHA Loans
FHA loans are perfect for many first-time homeowners because they are easier to qualify for if you have less-than-stellar credit. You will not have to make a sizeable down payment, and they are insured against default by the Federal Housing Administration. The normal down payment amount is 3.5%, although this can be provided by a close family member or friend as a gift.
Conventional Loans
Conventional loans often require higher credit scores and a larger down payment compared to government-backed loans. However, they can offer more flexibility, such as not requiring mortgage insurance if the down payment is at least 20%. Conventional loans are a popular choice for borrowers with strong credit profiles and stable financial histories
VA Loans
VA loans are specifically for military veterans and their spouses. They are guaranteed by the Department of Veteran Affairs and require 0% down. The government designed this program to help military personnel achieve home ownership with no down payment requirement.
Fixed Rate Mortgages
The most common type of loan is a fixed-rate mortgage. In this type of loan, you will have monthly principal and interest payments that never change during the loan period. These loans typically last between 10 and 30 years, but you can pay yours off early with no penalty. It is an amortized loan, meaning it will be paid off by the end of the loan term. If your property taxes or homeowners insurance changes, the monthly payments are adjusted.
Adjustable Rate Mortgages
Adjustable rate mortgages, or ARMs, have an interest rate that moves over time. They usually feature a fixed-interest rate for a period of time before changing. They are typically amortized over 30 years and the lower initial interest rate allows borrowers to start with a lower monthly payment which makes purchasing a home easier.
Refinances
Refinancing allows you to adjust your mortgage terms, potentially lowering your monthly payments and saving on interest. Lower Rates: Access competitive interest rates for savings.
Flexible Options: Tailored refinancing plans to meet your goals.
Expert Guidance: Support throughout the refinancing process.
How It Works
Partnering in Your Real Estate Success
Consultation: Discuss your needs and financial goals with us.
Application: Complete a simple application to start the financing process.
Closing: Find the perfect home, finalize your mortgage and receive the keys to your new home!
FREQUENTLY ASKED QUESTIONS
When Should I Refinance?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
What Are Points?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
Should I Pay Points To Lower My Interest Rate?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
What Is An APR?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
What Does It Mean To Lock The Interest Rate?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Documents Do I Need To Prepare For My Loan Application?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
How Is My Credit Judged By Lenders?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Can I Do To Improve My Credit Score?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Is An Appraisal?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Are Closing Costs?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Is A Fee Sheet or Good Faith Estimate (GFE)?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Is A Closing Disclosure (CD)?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Is A Pre-Approval vs. Pre-Qualification?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Are The Different Types Of Mortgages?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
How Long Does The Home Buying Process Take
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Should I Look For In A Home Inspection?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Is A Contingency?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
How Do I Choose A Real Estate Agent?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Are The Property Taxes Like?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Happens If I Change My Mind After Making An Offer?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Is A Home Warranty?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
How Do I Determine My Budget?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
What Are The Neighborhood Considerations?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!