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Phone:407-463-5348  Fax:407-671-7851  msperling@amerivestrealty.com
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Mortgage & Loan Guide

   A buyers first step should be talking to a loan agent and getting 'approved', not just 'qualified', for the loan.
    What can you realistically afford?
    And how can you purchase what you want?   
 
  Going through the loan process to get the mortgage is usually the most difficult part of buying a home. We have to share intimate financial information about ourselves to someone we most likely have never met, a loan agent. They often have  an on line application we can fill out anonymously. 

   They ask a lot of questions and want us to send them a lot of documents to back up our answers. That’s ok. The more documentation you can give them , the better the loan program and interest rate they can get for you.

 
   Your particular financial situation is unique to yourself, the borrower. A good loan agent will collect the data you give them and make suggestions for the type of loan program that is best for you.
 

   Sometimes low credit scores, very little credit, or no credit  may dictate that we’ll all have to wait until the situation can be corrected. Usually only a few months. But, talk to a loan agent first and let them give you helpful feedback for your quickest recovery. Please read the links below for more information.

 

   Below are some loan agents that have really helped and my clients enjoyed working with them. I have their permission for you to call them with any questions you may have.

   .....  Julia Bell  ...............  407-622-2764    
 
 Mortgage Max Direct  .....  Becky Barrick   .......... 407-895-4552
 
 Mortgages Unlimited South  .....  Jim Iooss  ...... 321-397-9008
 
 Synergy Mortgage Services .... Vicki Moletteire   407-359-1255
 
 
 
   Everyone is entitled to one free credit report per year. You can get yours at:






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