Your Most Trusted Partner in Home Purchase Loans & Refinance Loans
NMLS # 1912387
Open Hours: Mon. - Fri., 9:00 a.m. - 6:00 p.m.
Welcome to Ebenezer Mortgage Solutions, your trusted partner in navigating the intricate landscape of mortgages in the Sunshine State of Florida. As your dedicated mortgage broker, we take pride in being the expert resource you need to secure the ideal financing for your homeownership dreams.
FHA (Federal Housing Administration) loans are government-backed mortgages designed to assist homebuyers with flexible credit requirements and low down payment options. These loans are popular among first-time homebuyers and individuals who may have faced financial challenges in the past.
Down Payment: As low as 3.5%, making homeownership more accessible.
Credit Score: Accepts borrowers with lower credit scores.
Flexibility: Ideal for those with a history of credit events, such as short sales or foreclosures.
Accessibility: FHA loans offer a pathway to homeownership for a broader range of individuals
VA (Department of Veterans Affairs) loans are specifically designed to provide mortgage options for veterans, current service members, and eligible surviving spouses. These loans offer unique advantages, including competitive interest rates, no down payment requirements, and no need for private mortgage insurance (PMI).
Eligibility: Exclusively available to veterans, service members, and eligible surviving spouses.
Financing: 100% financing, requiring no down payment.
Rates: Generally lower than conventional loans.
No PMI: No need for private mortgage insurance.
USDA (United States Department of Agriculture) loans are tailored to assist low to moderate-income earners in purchasing homes in rural areas. These loans aim to promote homeownership in designated rural communities and offer 100% financing.
Conventional loans are not government-backed and are instead offered by private lenders. These loans have strict guidelines but can be more affordable for borrowers with good credit and financial stability. They are a popular choice for those who can meet the stricter qualification criteria.
Jumbo loans are designed for individuals seeking to finance luxury homes that exceed conventional loan limits. While these loans often have stricter lending requirements, they provide an opportunity to purchase high-value properties with a lower down payment than commonly believed.
Non-conforming loans do not meet the standard criteria set by government-sponsored enterprises like Fannie Mae and Freddie Mac. These loans cater to borrowers seeking larger loan amounts or those with unique financial circumstances.
The journey to homeownership is a significant milestone, and our simplified mortgage process at Ebenezer Mortgage Solutions ensures a smooth and straightforward experience. Here's a breakdown of our loan process:
You begin with a straightforward application process. Provide us with basic information such as your full name, contact details, and any other essential data to kickstart your homeownership journey.
Personal information.
You’ll work with a dedicated mortgage broker who will guide you through the process. You’ll then receive a pre-qualification letter outlining an estimate of your approved loans. This letter will empower you in your property search.
Pre-qualification letter.
Your realtor, in collaboration with our team, helps you find the perfect property that aligns with your approved loan amount and meets your specific requirements.
Sales contract.
With the sales contract in hand, we seamlessly process the loan, providing you with a clear estimate and necessary disclosures such as closing costs. Our goal is to make the documentation process smooth for your comprehensive review.
Disclosures.
A third-party appraiser evaluates the property's worth, ensuring that your investment aligns with the true value of the home. This step ensures transparency and fairness in your home purchase.
Appraisal evaluation.
The underwriter scrutinizes all aspects of the mortgage, ensuring that everything is in order. Once satisfied, your mortgage loan moves to a "Clear to Close" status, marking a significant step toward finalizing your homeownership.
Clear to Close
Receive and review the Closing Disclosure, prepare necessary loan documentation, and get ready for the closing day. Our team ensures that everything is in order for you to sign the paperwork and receive the keys to your new home.
Closing Disclosure,
An interest rate obtained through a mortgage lender like a bank tends to be high. That is why we meet with multiple lenders to negotiate and select the most competitive mortgage rates for you.
You can save time by employing us. Ebenezer Mortgage Solutions works as a team to make sure all the details around your mortgage are solved within the time frame you need.
We do everything for you. We apply for loans, negotiate terms, fill out documents, manage back-and-forth communication, decipher the legal terms, and handle all the details to ensure the transaction stays on track.
This is a list of important resources for you to buy your home the smart way:
A tool that lets you estimate your monthly house mortgage payment. This includes the principal and interest, taxes, insurance, and private mortgage insurance.
Estimate Your MortgageUnderstand how we get your mortgage. This covers the information you need to provide, the documents we work with, and all the steps we take to make you a homeowner in the end.
Learn MoreBuying a home can be challenging for a first-time home buyer. But there are some special treats you can enjoy and take advantage of, such as down payment assistance, when entering the real estate world.
Learn MoreA portal created for those who hire our mortgage broker services. Login to check out your documentation, current loan process stage, and your mortgage status.
Access LoginPurchasing a home is no small feat, and finding the right approach is essential. While it may be tempting to exceed your budget when buying a house, such a mistake can have lasting implications on your wealth-building endeavors.
Learn MoreFlorida's real estate market is unique, with varying property values, regulations, and market trends across different regions. A Florida mortgage broker understands the intricacies of the local market, enabling us to provide tailored advice based on your specific needs and the nuances of the area you're interested in.
Established Florida mortgage brokers typically have strong relationships with a wide network of lenders. This network can be leveraged to your advantage, increasing the likelihood of securing competitive loan terms and interest rates. A well-connected broker can help you navigate the diverse range of mortgage products available, ensuring you find the one that suits your financial goals.
Collaborating with local realtors, we assist you in finding the right property for your approved loan amount. This partnership ensures that your home requirements and needs, such as property area, number of bedrooms, and neighborhood options, are met.
When purchasing a new home, it is important to choose the right people and the right company to help you expedite the transaction. Ebenezer Mortgage Solutions is a full-service mortgage broker, offering you Conventional, USDA, FHA, and VA loans.
As the CEO of Ebenezer Mortgage Solutions, I have been in the mortgage business for many years. I have helped people buy homes, first as a loan originator, then as a processor, later as an underwriter, and finally now as a company owner. With my experience and knowledge, I can help ensure that your loan transaction goes smoothly.
Yuleisy Gonzalez Alvarez
CEO / Mortgage Loan Originator
NMLS # 1507766
