You Are Our #1 Priority
The Mortgage Firm began as a small company in Winter Park in 1995.
Over the years, despite the economic downturn, The Mortgage Firm has grown to be one of the Largest Private Lenders in the state of Florida. Our corporate office in Orlando, FL is where all of our underwriting and closing package generation takes place.
We Offer
Better Financing Solutions
USDA Loans
- No Downpayment Required
- Very low mortgage insurance costs
- Area Restricted
- Income Limits
- Loan amounts as high as income will allow
USDA Loans
The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.
Veteran's Affairs Loans
- For Veterans and their spouses
- No Downpayment & No monthly mortgage insurance required
- Credit Scores down to 600
- With enough eligibility, VA benefit can be used multiple times
- Quick & Easy refinance available on current VA loans
Veteran's Affairs Loans
The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.
FHA Loans
- Most flexible Qualifying Criteria
- Credit Scores down to 600
- 3.5% Downpayment Required (even on multifamily properties)
- Downpayment Assistance options available
- Loan amounts up to $356,362 in most areas (single family)
FHA Loans
FHA Loans are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA is often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer - anyone who is buying a new home to use as their Primary Residence, or Second Home is eligible.
Conventional Loans
- Loan Amounts up to $548,250 in most areas
- No mortgage insurance with 20% down
- Downpayment requirements as low as 3%
- Mortgage insurance can be cancelled with enough equity
- Construction loan options
Conventional Loans
Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt and some down payment, they are often the least complicated way to get the most flexible mortgage options.
We Focus On
Your Unique
needs and goals
We are here for you from start to closing and beyond. Let us simplify the mortgage loan process and experience our World Class Service.
We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan with the best rate, terms and cost to meet your unique needs. But that’s just the beginning. Throughout the lending process, our talented staff will provide regular updates and progress reports so you know exactly where you stand, in person or online.
Let us make your mortgage experience simple!
We Help You
Find and purchase
the home of your dreams
Purchasing a home is a complex and tedious process. At The Mortgage Firm, we’ve earned a stellar reputation among real estate professionals, builders, and individual home buyers for simplifying the process. In fact, we send automatic updates to you throughout the entire process with continual status reports and no surprises! This advantage is built around our mission to keep it simple and easy. We call it “Closing Simplified.”
Why Choose Us
Proven process & support to closing & beyond
APPLICATION
Once you have found a home and have gotten into a contract, our home loan experts will assist you through filling out the official loan application.
APPLICATION
The property information will be entered, any documentation that needs to be updated will be requested and you will be issued disclosures to review and sign.
UNDERWRITING
Once the processor submits the complete loan file to underwriting, it is checked to make sure the borrower and property meet all of the guidelines for the loan.
UNDERWRITING
The underwriter is responsible for approving or denying the loan application. Loans are sometimes approved with conditions. Once the borrower fulfills the conditions, the loan is "clear to close".
PROCESSING
Loan processors will verify all documents relating to the borrower as well as the property being purchased.
PROCESSING
They will review all of the information in the loan file, request any additional documentation, and assemble an orderly and complete package for the underwriter.
CLEAR TO CLOSE
Once the loan has been approved, the closing process begins. During closing, the property title passes from the seller to the buyer.
CLEAR TO CLOSE
A closing agent, usually an attorney or official from a title company, oversees this process. The closing documents are then signed, the loan is funded and the process is complete.
Resources To Get You Started
See Your Estimated Payment
Loan Calculator
Apply At Your Convinience
Online Application
One of our experienced Loan Originators will evaluate your credit, income, and assets to determine what ranges of home prices you qualify for. Once this process is complete, you will receive a Pre-Approval letter that solidifies you as a strong buyer, to submit with your offers. Sellers are more likely to accept offers from Buyers who provide a pre-approval letter because they know your documents have been reviewed by a lender and it clearly states that you are capable of satisfying all financing aspects of the purchase contract.
IT TAKES A TEAM
WE FOCUS ON YOU
No matter what stage you’re in, whether you’re buying or refinancing, allow us to guide you in the right direction.
What our clients say about us?
Speak with one of The Mortgage Firm Lakeland’s Loan Originators today!
Office Address
The Mortgage Firm Lakeland
2020 Edgewood Dr S.
Lakeland, FL 33803
(863) 937-8024
NOTE: After the form submission, we will receive your message and you will be redirected to our secure online loan application portal.