A very important step in purchasing a new home is to get Pre-Qualified for a home loan.
More important to us than anything else are borrowers happy with the mortgage loan we helped them obtain. Our goal is to make the loan process as easy and relaxing as possible. Having helped thousands of Florida homeowners and first time home buyers achieve their goals, we would love the opportunity to help you to find the best mortgage for you.
Let a Loan Specialist at Lending Hand Mortgage do the shopping for you. We work with banks and mortgage companies on a wholesale level. We have the pulse of who offers the best mortgage rates at any given time. Because our fees are not as high as the retail banks and mortgage companies, we pass the closing cost savings on to you.
Getting a Mortgage that fits your needs is easier than you think. Contact one of our experienced loan specialists now.
Historically, the rule of thumb was that it was worth the money to refinance if you could reduce your interest rate by at least 2%. Today, many lenders say 1% savings is enough of an incentive to refinance.
There are many factors to review before you consider applying for a reverse mortgage loan. You should discuss important financial decisions with someone you trust.
The US government created a military loan guaranty program to help returning service members purchase homes.
One of the least known home financing programs, the government established the USDA Home Loan Program
An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA).
Simplified home lending at its best. Eric and his team are only worried about getting you the best mortgage for the best rate from the best lender! We used Lending Hand for two houses now, and we’ve closed in less than 45 days on each! Highly recommended.
We are beyond happy with Lending hand. Bob was an amazing person to work with. He answered us very quickly, would answer on weekends, and even after hours…whenever we had any questions. The process was smooth. They are reliable, honest, and work quickly. We also worked with Tammy, who was prompt on answering all questions as well. She was thorough and always responded when needed. We are so glad we chose them. They are a great team! Work wonderful together.
Eric and his team helped me through every step of buying my house. I have used banks before but now I will use Lending Hand for my future home purchases.
Gayle helped us with our VA refi in 2019. She really explained things well and guided us through the process. The rate we got was excellent and we are so glad we worked with Gayle and Lending Hand.
Gayle is just a delight to work with, my refinance was seamless, would definitely work with her again.
I have had the pleasure of working with Lending Hand Mortgage! Extremely helpful, professional, persistent, and had my loan closed in a timely manner! I highly would recommend this company!
When purchasing or refinancing a home on a fixed-rate loan, the interest rate doesn’t change over the life of the loan. An adjustable-rate mortgage (ARM) has an interest rate that is fixed for a set number of years and then afterward will go up or down based on a market index, such as the LIBOR.
Consider factors such as the length of time you plan to stay in your home. Therefore, if you plan to stay in your home for many years, a fixed-rate may be the better choice for you. Otherwise, an adjustable-rate might be better if you plan to sell your home before the rate becomes variable since initial ARM rates are typically lower than fixed-rate mortgages.
Decide if you can save money by refinancing your existing loan at the current interest rate.
A lower interest rate means lower monthly payments and less total interest, but refinancing will also mean paying closing costs or points. Refinancing is a good option if the monthly savings surpasses the closing costs. Enter your loan details into the Refinance Calculator to determine how many months it would take to break even with closing costs.
You must own a home, be at least 62, and have enough equity in your home. There are no medical requirements.
Our Loan Originators will conduct a financial assessment of every reverse mortgage borrower to ensure he or she has the financial capacity to continue paying mandatory obligations, such as property taxes and homeowner’s insurance, as required in the Loan Agreement.
If it is determined that a borrower may not be able to keep up with property taxes and homeowner’s insurance payments, they will be authorized to set aside a certain amount of funds from the loan to pay future charges.
VA Loans have many benefits not offered by conventional loans, especially for first-time home buyers with little or no money for a down payment. Unlike conventional loans, VA Home Loans do not have private mortgage insurance requirements.
Additionally, VA Loans usually have more competitive rates than conventional loans and are not subject to the amount of closing costs associated with conventional loans.
There are certain fees that VA mortgage borrowers cannot be charged.
VA Home Loans also give you the ability to refinance to a lower rate without having to re-qualify for the loan, a process known as a VA Streamline Refinance, or IRRRL.
Some of life's hardest financial decisions include buying a home, refinancing a mortgage, or obtaining a home equity loan. Call now: +1(888) 340-8337
Lending Hand Mortgage Corp. - 3060 Palm Harbor Blvd Suite B-10 - Palm Harbor, FL 34683 Office Phone: (727) 785-2299 Toll Free Phone: (888) 340-8337 NMLS #373538
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