Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
201 N. Palm Canyon Drive
Suite 120
Every one of our Mortgage Consultants can walk you through our products in detail – probably more detail than you want, in fact. So they definitely know their stuff.
More importantly, they want to know about you: What's your goal?
Visit us in Fort Myers, FL
About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
+
Ask Us About
Pathway To Prosperity
Ask Us About
Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
What our customers are saying
Received loan approval in 12 days on a non qm loan with issues. Two days later we were thru the process and clear to close. Amazing job on a challenging situation.
Your team made a difficult loan come through in a short amount of time. I know it was a great deal of effort and we really appreciate it
he always return our calls and he always, have an answerr for us
First Day Brad prompt response and quick action to get pre approval for bid Nancy clear and timely communication throughout the process
Brad was very helpful, proactive , communicative and his team managed the process efficiently. He made it very easy and I was always informed and updated on the process And timing .
Thanks for everything Brad. You were incredibly helpful and responsive. ...
fantastic and consistent communication. easy to get a real human on the phone. service felt personal.
Brad is a Rockstar!!!
Process moved quickly and closed on schedule. Brad and Nancy are top notch. Thank you!
Good communications and timely crisp insightful responses to questions were much appreciated.
He was very helpful and fast which helped us get our new home
Namcy Roland was also VERY helpful!
ALWAYS quick courteous responses from Brad and his team.
Brad is very kind and very professional and knowledgeable. This was a very stressful time for me selling and buying at same time. This was very scary time for me and with Brad's demeanor and calming voice I am blessed to have him to help me with this transaction. He was always available to answer any questions and was nonjudgmental in my questions and I never felt foolish. I can't give Brad enough kudos .He made this experience from fear to excitement for my new home .
The purchasing process was handled with a great amount expertise and efficiency.
great level of responsiveness, quality customer service, helpful reminders of when action items were due, explanations of why certain financing options were better than others.
always responded right away.
Brad does a great job communicating with all parties involved in the transaction.
Brad and his team were great in every way. I especially appreciated Brad's availability.
Brad's experience and knowledge is demonstrated in every interaction he has with his clients.
Received loan approval in 12 days on a non qm loan with issues. Two days later we were thru the process and clear to close. Amazing job on a challenging situation.
Your team made a difficult loan come through in a short amount of time. I know it was a great deal of effort and we really appreciate it
he always return our calls and he always, have an answerr for us
First Day Brad prompt response and quick action to get pre approval for bid Nancy clear and timely communication throughout the process
Calculate Your Mortgage Payment
"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
.png)
My Home Mortgage
The ProsperityNow app is a mobile application that helps Loan Officers enhance relationships, stay ahead of the competition and close loans faster! Loan Officers stay front and center with individually branded apps!
