• This is a standard question we run into is How Much Can I Afford.  Well that depends on how much money you make against your debts and the new debt for the home.  It's called a DEBT TO INCOME RATIO.  Ratios for us will go up to 50% on conventional[...]

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    Oh yeah, here is a picture of me golfing.  Let's attack this myth on Credit Inquiries and also how to get your score on steroids, really two posts but I am excited today.  We run into this credit inquiries issue more than I would like to hear [...]

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    The age old question FHA loan verse Conventional loan.  Which to choose?  I have a 695 credit score.  Do I go conventional or FHA.  Should I let my loan officer pick?  Can I afford more with one or the other?  Lots of fun questions to be asked [...]

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    This is an age old question and the borrower should worry about the payment!  The rate is a red herring so we ask you KNOW BEFORE YOU BORROW!  A red herring means something meant to misdirect you.  All the rate really does is make a difference in [...]

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    How to find a mortgage broker?  Google (City) mortgage broker and you will find us!  As one of the best Florida mortgage lenders we can help get you to the best refinance mortgage rates in Jacksonville FL.  Jumbo loan rates are our speciality on [...]

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    How much Can I Afford?

    How Much Can I Afford? A debt to income ratio of income verses monthly debts is required for analysis. When you apply for a mortgage or refinance a mortgage you will need to file a mortgage application even if it's for a mortgage refinance.  [...]

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    A mortgage broker like ourselves will do several things... We will call all files in underwriting on Tuesday's and all PreApprovals on Wednesdays. Tuesday Morning Underwriting Updates and status calls to all parties. Wednesday Morning [...]

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