Hart Mortgage Services is a full service direct Florida mortgage lender and can offer all of the loan options you will need with competitive Florida mortgage rates and smooth closings. When you are searching for the right loan program for you, there will be many options to choose from. You will have to decide which loan program works best for you and your unique situation.
What is Your Mortgage Knowledge?
Before we get into the loan options available to you let’s make sure you are aware of what goes into your mortgage. Hart Mortgage Services has set up an online tutorial for first time home buyers and current home owners. This program is called Florida Mortgage University and is completely free to you. Our program has been set up with several easy to read lessons that will raise your mortgage knowledge so you can make an informed decision.
Click Here: Florida Mortgage University
Let’s Talk About Your Loan Options!
Each and every borrower is different and you are no exception. You should explore all of your loan options and how it will fit you and your current situation. This is a list of Hart Mortgage Services loan options with links to learn more about each program.
Let’s get started!
FHA Mortgage
With FHA Mortgage Rates being at an all time low, this loan has become our most popular. It requires a 3.5% down payment and the FHA loan is usually a 30 year fixed with no prepayment penalty. Your down payment can actually be a gift from a family member!
Click here to learn more about an Florida FHA Mortgage!
USDA Mortgage
100% financing is still here! Many of our borrowers and Realtor do not even know that the USDA mortgage loans allow you to do Zero Down. THe loan is area and income specific but if you qualify for the loan the process is fairly simple. A USDA Rural Development Mortgage is a safe 30 year fixed mortgage with no prepayment penalty or adjustable rate. The USDA mortgage also has NO PMI!
Click here to learn more about the Florida USDA Mortgage!
VA Loans- Veterans Administration
If you are a veteran trying to buy a home then a VA loan may be the way to go. VA loan rates are low with $0 down and NO Mortgage Insurance!
Click here to learn more about VA Home Loans!
Conventional Loan
This Florida mortgage is one of the industry standards and usually comes into play when you have 20% or more for a down payment. A conventional loan will give you the option to escrow your taxes and insurance or not. The conventional loan will also give you several options and among them are adjustable rates and shorter terms like a 20, 15 and 10 year mortgage.
Click here to learn more about the Conventional Loan!
Jumbo Loans
One of more popular Naples mortgage is a Jumbo loan because of the jumbo loan limits. This loan allows you to borrow more than the normal Fannie Mae loan limits and the jumbo loan rates are fairly low compare to the past few years.
Click here to learn more about Jumbo Loans!
2nd Home Loan
We understand why thousands or people are obtaining 2nd Home Mortgages in our area and are happy to help them out! Whether it is the fishing, golfing, boating or you just want to never see snow again, you have chosen the right place for your 2nd Home.
Click here to learn more about 2nd Home Loans!
Free Online Preapproval! Get in the Game!
You can start the preapproval process for any of these loans by using our secure and easy online Florida Purchase Assistant to get preapproved today! It’s Free!
Hopefully knowing more about your loan options will allow you to make the right choice! If you would like to speak with one of Hart Mortgage Services Loan Officers today, please call us at 239-437-4278 or Ask us Online!
