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 Southern Florida? As the area’s largest independent broker, 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!
At Home Financing Center, we want to make sure you understand your home loan options, make smart, informed decisions, and enjoy lasting financial security.
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.
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.
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.
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.
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.
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.
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 Southern Florida, 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:
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.
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.
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.
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.
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 the Coral Gables and surrounding areas of Miami-Dade and Broward county excellent service. Learn more about us, and contact us today to learn more why so many choose us.