A Mortgage Consultant helps the client navigate from the first home purchase to the next to retirement.

Legislation and market changes have created an environment of great opportunities for new buyers. Programs like FHA and specieal tax credits entice buyers to purchase homes with attractive rates and terms. The $8000 IRS First Time Buyer and $6500 Repeat Buyer tax credit allow buyers to recoup costs of the purchase and perhaps create great savings!

Rates have remained low and stable throughout 2009. Can you benefit! It isn’t just simply buying or refinancing anymore. Your mortgage lender needs to be your advisor and consultant. You need a mortgage planner that knows the area where you live and own a home. We know the Tampa Bay area. Your Mortgage Planner should be part of your financial plan. In fact, your mortgage planner needs to offer solutions for all your financial needs. Your mortgage planner can provide valuable references to other professionals that will assist you with financial planning, insurance and tax accounting. It's not simply offering mortgages. We can serve all of Florida but most of our clients are in the Tampa Bay area. We provide mortgages in Tampa, Brandon, Valrico, Riverview, Plant City as well as Lakeland, St. Petersburg, and Clearwater. We serve Hillsborough, Pasco, Pinellas, Polk, Hernando, Manatee counties and more. 

When purchasing a home today understanding your market is crucial. You need a mortgage professional that understands the programs that can help you buy in your market like FHA, VA, Rural Development and conventional loans. In this environment of short sales and foreclosure sales you need a consultant that understands how to guide you through your transaction. Values have declined to provide homes within many budgets. This is truly a buyers market that you can find a bargain and it is perfect for first time buyers!

Refinancing and assisting with existing mortgage needs. With today’s declining home values new mortgages can be challenging but there are programs to improve your mortgage even now. FHA and other government programs provide ways to refinance with little or no equity, even if you are upside down. Making Home Affordable can be an option. We can even guide you toward alternative solutions if you are behind in payments.