Hundreds of home buyers across Fernandina Beach, 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 Fernandina Beach, 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 2025 Fernandina Beach mortgage guidelines. Our mission is to get you approved and into the best home loan Fernandina Beach 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!

When it comes to Fernandina Beach, FL home loan options we have them all.  Every day Fernandina Beach 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 Fernandina Beach, 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 Fernandina Beach, FL  are standing by and ready to help.  Connect with a licensed Fernandina Beach home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920

When it comes to Fernandina Beach, FL home loans, Mortgage Brokers have more options.  Regardless of what a consumer thinks, Fernandina Beach 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 Fernandina Beach, 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 Fernandina Beach can work with all types of credit scores.

The Fernandina Beach home loan team is celebrating its 28th 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.

• 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 Fernandina Beach, FL (888)416-0920.