Our Unique Mortgage Solution
In today’s lending environment, who you choose to work with your Fort Lauderdale mortgage is more critical than ever before. Underwriting standards to qualify for a loan have tightened significantly. Not only have Fannie Mae, Freddie Mac, & FHA made many changes, but all banks have placed their own underwriting restrictions on top of these agencies’ guidelines.
What does that mean for you? Each individual bank has its’ own credit score, debt-to-income ratios, gift fund allowances and interpretation of income, especially when you are self-employed. That means you could walk into your own bank and be turned down for a mortgage, when another bank may be willing to approve you. How do you navigate through this maze without stressing yourself out or making getting your Fort Lauderdale mortgage a full-time job?
When you go to a bank directly, you only have access to the programs and interest rates being offered by that particular institution. You are only being evaluated for your mortgage based on their particular guidelines and underwriting criteria. In most cases, you are working with and getting your advice from a mortgage originator that might have been a teller six months ago. Think about that for a minute. Do you want to trust the financing of the largest purchase you’ve ever made to unqualified advice and limited borrower options.
A mortgage broker has access to many different banks, programs and interest rates. True mortgage professionals study and learn each banks’ underwriting overlays, so they are in a better position to match your personal situation to a lender and get you approved for your Fort Lauderdale mortgage.
First Trust Mortgage consists of a team of mortgage professionals that act as a Travel Agent of loan services. We have access to many banks and mortgage companies and offer a large menu of mortgage products and interest rates. Our average loan originator has over 15 years of experience assisting home buyers in finding the perfect mortgage for them.
Harvey Collier is a Certified Mortgage Planning Specialist with 25 years of lending experience. The CMPS designation is the mortgage industry’s most distinguished and recognized achievements. It assures you of receiving honest answers and great advice. A CMPS professional is bound by the highest ethical standards and educational requirements in the mortgage business.
Now, more than ever, it’s essential to work with a Mortgage Professional with the experience and knowledge to clear the obstacles from your path and show you the way home. When searching for your best Fort Lauderdale Mortgage. make sure you are working with a Certified Mortgage Planning Specialist.
See my CMPS professional profile: http://www.cmpsinstitute.org/public/profile/267
