Cedar Key, FL Home Loan
Hundreds of home buyers across Cedar Key, FL are ready to buy a home or refinance. Consumers shopping for mortgage rates should always get a minimum of two quotes. Knowing the difference between wholesale mortgage brokers and retail lenders or banks could save you thousands over the life of your Cedar Key, FL home loan. When it comes to buying, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2024 Cedar Key mortgage guidelines. Our mission is to get you approved and into the best home loan Cedar Key has to offer. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for the home of your dreams.
- Secure a loan and purchase your new home!
Home Loan Options
When it comes to Cedar Key, FL home loan options we have them all. Every day Cedar Key welcomes new home buyers while current residents refinance their homes. Home Buyer Options Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a grant to cover the down payment. Our fair and bruised credit borrowers like the FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores. Refinancing Options When it comes to refinancing your Cedar Key, FL home you have options. Rate and term, cash out, and debt consolidation are all common reasons to refinance a home. When mortgage rates drop consumers refinance to a lower rate to save on their payment. Some consumers who have adjustable rate mortgage loans refinance into a fixed rate. Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term. When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option. Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever. Consumers are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition. Home loan experts near Cedar Key, FL are standing by and ready to help. Connect with a licensed Cedar Key home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Cedar Key, FL
When it comes to Cedar Key, FL home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Cedar Key Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920. A Cedar Key, FL Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Cedar Key can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Cedar Key home loan team is celebrating its 27th year in business. Our experience allows for consumer mortgage confidence especially with local home buyers and those looking to refinance. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
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Home Loan Benefits in Cedar Key, FL
- No Application Fee
- Wholesale mortgage rates
- A+ Rating with the BBB
- Refinance with Cash Out
- Grants for New Buyers
- 5 Star Excellent Rating
Find your Home Loan near Cedar Key, FL (888)416-0920.
Cedar Key is a city in Levy County, Florida, United States. The population was 702 at the 2010 census.[5] The Cedar Keys are a cluster of islands near the mainland. Most of the developed area of the city has been on Way Key since the end of the 19th century. The Cedar Keys are named for the eastern red cedar, Juniperus virginiana, once abundant in the area.[6]
While evidence suggests human occupation as far back as 500 BC, the first maps of the area date to 1542, when it was labeled “Las Islas Sabines” by a Spanish cartographer.[citation needed] An archaeological dig at Shell Mound, 9 miles (14 km) north of Cedar Key, found artifacts dating back to 500 BC in the top 10 feet (3.0 m) of the 28-foot-tall (8.5 m) mound. The only ancient burial found in Cedar Key was a 2,000-year-old skeleton found in 1999.[7] Arrow heads and spear points dating from the Paleo period (12,000 years old) were collected by Cedar Key historian St. Clair Whitman and are displayed at the Cedar Key Museum State Park.