HOME LOANS IN FLORIDA

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Finding the Right Type of Mortgage

Are you ready to buy a home, but not sure what type of mortgage will fit your needs, or are you wondering if its even possible to buy a home in Coral Gables, Fort Lauderdale, Miami-Dade County, or anywhere in Florida? As the area’s largest independent lender, we can provide you options that allow you to finally buy a home that you will love. Speak to one of our home loan experts to learn about the possibilities for you and your family. Contact us!

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Types of Mortgages that Can Serve You

  • Fixed-Rate Mortgages
  • Adjustable-Rate Mortgages
  • Loans for First-Time Buyers
  • Jumbo Loans
  • Refinancing Programs
  • Reverse Mortgages
  • Commercial Loans
  • Employer Assisted Housing
  • Affordable/Workforce Housing
  • Loans For Foreign Nationals

A Mortgage That’s Right For You

At Home Financing Center, we want to make sure you understand your home loan options, make smart, informed decisions, and enjoy lasting financial security.

Choose from a variety of home loan options to fit your current needs, including:

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Loans for First-Time Buyers
  • Jumbo Loans
  • Refinancing Programs
  • Reverse Mortgages
  • Commercial Loans
  • Employer Assisted Housing
  • Affordable/Workforce Housing
  • Loans For Foreign Nationals

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Fixed Rate Mortgages

A fixed rate mortgage provides you with financial peace of mind, since the monthly principal payment will remain the same for the life of your loan. If you prefer the stable, predictable payments of a fixed rate loan, you can choose from an array of repayment terms of up to 30 years. Plus, Home Financing Center can customize the loan to fit your specific needs.

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Adjustable-Rate Mortgages

Adjustable-rate mortgages (ARMs) are a great way to effectively increase your buying power. That’s because ARMs typically offer a lower initial rate than a comparable fixed-rate mortgage. After the initial period, the rate can be adjusted to specific intervals. For instance, a “3/1 ARM” is fixed at an initial low rate for the first three years, and then adjusts every year based on a national index.

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Loans For First-Time Buyers

With Home Financing Center, you can take advantage of special mortgage programs designed to help first-time homebuyers achieve the dream of home ownership. Thanks to local, state, and national government initiatives, qualified buyers may be eligible for lower home loan rates, reduced down payments, and assistance with closing costs.

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Jumbo Loans

Are you buying a luxury single-family home or condominium? Home Financing Center offers “jumbo” loans as high as $1 million or more. These loans are larger than the maximum limits for conventional mortgages set by Fannie Mae. Our home loan programs can accommodate purchasers of primary residences, second/vacation homes, and investment properties.

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Refinance Programs

To help you take advantage of the changing market conditions, we offer a variety of fixed and adjustable refinancing programs. In some cases, refinancing may allow you to lower your current mortgage rate, cut your monthly payments, or shorten the length of your loan, thus reducing your total income expense. This can give you more financial flexibility, allowing you to use the money you save to remodel your home, pay down credit cards, or pay off other expenses.

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Reverse Mortgages

If you own your home and are 62 or older, you may qualify for a reverse mortgage. This loan is based on the value of your home and typically does not have to be paid back until you sell the home, pass away, or permanently move to another location. With a reverse mortgage, you can receive the funds as a single payment or as regular monthly income. You can also use the available funds as a line of credit, withdrawing cash when needed.

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Employer Assisted Housing

To help South Florida employers recruit and retain quality, professional employees, Home Financing Center is offering the next level of employee benefits — better home solutions.

Employer Assisted Housing helps businesses assist their employees in creating a comprehensive, energetic, and focused plan when it comes to evaluating home ownership needs. Home Financing Center’s specially designed employee workshops address the housing market in Coral Gables, Miami, Miami-Dade County, and in other parts of Florida too, and discuss how to navigate it.

Boost morale and build confidence throughout your organization with turnkey solutions for your employees. Ideal for corporations, schools, hospitals, government agencies, and other major employers, our Employee Assisted Housing initiative offers significant advantages to participating organizations:

  • No cost to the company
  • A valued benefit to the employee
  • A powerful recruiting incentive
  • A competitive HR advantage

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Affordable/Workforce Housing

If you are having a difficult time deciding whether or not homeownership is right for you, let Home Financing Center help you make the right choice. Learn how to access up to $120,000 in free grants and subsidies provided by multiple city and county assistance programs. If you qualify, you may be able to use these funds to help with expenses like down payment and closing costs.

We’ll help you find an affordable workforce housing program tailored to fit your needs.

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Loans for Foreign Nationals

Are you a non-citizen living in the U.S. and interested in purchasing a home? We understand that the hurdles of buying a property as a non-citizen can be quite challenging. Let Home Financing Center help you find a foreign national loan that is flexible and attractive. Whether you are looking for a home loan for the initial purchase or refinancing of a primary or second home, we’ll assist you in finding a loan that’s right for you, helping you put down roots in the United States.

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Home Loan FAQs

Do you have questions about the home buying process? Do you want to understand which loans might be best for you?

Read our FAQ questions below and contact Home Financing Center offices in Coral Gables or Fort Lauderdale. Our mortgage lenders would love to work with you to help you find a home that you can afford and will love for years to come.

What Kind of Home Loan Do I Need?

The type of home loan you need is dependent on a few factors including whether you are a first time home buyer, the type of home you wish to buy, your income amount, where your home is located, if you are a veteran, and more. Talking to a home loan lender is a great place to start to understand what is best for you. We will take the time to get to know you as well as present viable loan options for you to consider. What’s more, we can help you take advantage of other programs that make buying a home in Florida easy. Contact us to get started!

Which Loan Is the Best For First-Time Home Buyers?

There are many assistance programs and loans designed for first-time home buyers. The best loan for you will depend on many factors. However, a Federal Housing Administration (FHA) as part of the U.S. The Department of Housing and Urban Development (HUD) offers a variety of mortgage loan programs that are easier to acquire than conventional loans. Talk to our mortgage lenders to see if an FHA loan is best for you. Learn more here.

How Hard Is It To Get Approved For A Home Loan?

How hard or easy it is to get a housing loan depends on your credit history, the home you wish to buy, the loan you are trying to acquire, and many other factors. One of the best ways to begin is to get pre-approved for a loan. This first step in the process can help you make sure that you have everything you need in order before acquiring your home loan. The loan lenders at Home Financing Center would love to help you get a loan that works for your needs. Contact us today!

How Do I Get Approved For a Home Loan?

One of the first places to start is to understand what factors affect your ability to get a home loan. These include:

  • Your monthly income
  • The sum of your total monthly debt payments
  • Your credit score
  • The amount of cash you can put down on a house
  • How much house you can afford

Knowing these things is essential for getting started on the journey for acquiring a loan for your new home. Another great first step is to get pre-approved. Pre-approval can help move you forward in the loan process and allow you to know which type of loans you qualify for.

Get pre-approved today!

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Why Choose Us?

When you work with Home Financing Center you can count on responsible home lending policies and consistency despite a fluctuating market, as well as the benefits of local representatives of a locally-owned-and-operated business. We take great pride in offering our clients the best care possible, and have over 35 years of experience providing people in Coral Gables, Fort Lauderdale and other parts of Florida excellent service. Learn more about us, and contact us today to learn more why so many choose us.

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Areas We Serve

  • Coral Gables
  • Miami
  • Fort Lauderdale
  • Broward County, FL
  • Miami-Dade County, FL
  • Palm Beach County, FL
  • Other Areas of Florida too!

Make that dream home yours. We provide both conventional and non-conventional loans along with an abiding commitment to your future. Learn more today!

If it has to do with mortgages, we can do it. Learn more about our world-class financing services and contact our team for a consultation today.

We’re here to help you navigate the complex world of real estate refinancing, setting you up for long-term success. Get in touch to learn more.

We’re not afraid of endless questions and long conversations about mortgages — we love them! Contact us to schedule your consultation today.