Loans

As a Real Estate professional, I take great pride in finding you that perfect home and then referring you to the most professional mortgage broker who can work with you to provide the best terms and lowest rates available. As a 33-year veteran of the banking industry, I understand the loan process, including the policies of the lender banks. I will help you find the best home and the best loan. That is a promise!
 

Mortgage loans are the least understood part of buying a property. This is due in part to the fact that banks will ask for information from the buyer but are not willing to share information with the buyer. What makes one informed buyer receive a 5.75% rate while another uninformed buyer receives a 7.25% rate? What makes one bank offer lower rates than competitor banks? Have you ever looked at the bank interest rates published in the Real Estate section of the Sunday newspaper? Is this confusing? Try calling the banks and it becomes even more confusing.
 
Banks loan money to make maximum profit. Banks borrow money and hope to loan all of the borrowings out at the highest rate possible. Loan-aggressive banks will loan money at a lower rate than non loan-aggressive banks. Banks will tailor the rates based upon credit history, loan-to-value and loan amount. The better your credit history and the higher the down payment, the lower your interest rate. Buyers with marginal credit history or a lower down payment can expect to pay a higher rate than the published "best rates available".
 

The best solution is to work directly with your Realtor® and with a mortgage broker that you trust. The mortgage broker works (as your loan agent) to obtain the best rate available from the most loan-aggressive bank. The bank, with whom the loan is placed, pays the mortgage broker directly from the bank's profit. This way the mortgage broker is able to obtain a lower interest rate and pass the savings on to you, the buyer. And it costs the buyer little or no money to employ the services of a mortgage broker.
 

Not sure how much you can afford to borrow to purchase your dream home? Take a moment to fill out this pre-qualification form and submit it.* Once I receive it, I will send you an application to start the process and will pre-qualify you and notify you of the amount of the loan for which you qualify. While I'm processing your application, take a moment to let me know about Your Dream Home.

Your name:
Your e-mail address:
Annual household income:
Desired loan amount:
* By submitting this form, you are consenting for Signature Realty Associates and any representative to contact you, even if your name is on a Federal or State "Do Not Call" list. Best Homes of Tampa Bay respects your privacy. We will only use the information you provide us in the search for a home that suits your requirements. We will never sell or transfer your information to any third party.