Your Most Trusted Partner in Home Purchase Loans & Refinance Loans

NMLS # 1912387

Open Hours: Mon. - Fri., 9:00 a.m. - 6:00 p.m.
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Mortgage Broker in Carrollwood: Simplify Your Home Loan Process

Unlock your dream home in Carrollwood, FL, with ease! At Ebenezer Mortgage Solutions, our team simplifies your mortgage journey with expert guidance at every step. From securing competitive rates to navigating financing complexities, we’re here to make your homeownership dreams a reality. Let us help you achieve a smarter, stress-free home loan process today!

Home Loan Packages We Work With

At Ebenezer Mortgage Solutions, we connect you with a variety of home loan packages tailored to your unique needs, whether you're buying a home, an investment property, or refinancing. Here’s a breakdown of the loan packages we work with:

Conventional Loans

Supported by private lenders,  conventional loans offer flexible terms and competitive interest rates for buyers with strong credit. If you're looking for lower monthly payments and a wide range of options, conventional loans could be the perfect fit for you. These loans are ideal for clients with a solid financial background and a healthy savings account.

FHA Loans

Insured by the Federal Housing Administration (FHA), these loans are designed for buyers with lower credit scores or limited savings for a down payment. With down payments as low as 3.5%,  FHA loans make homeownership accessible, even if you've faced financial challenges. This is a popular choice for  first-time homebuyers or those without significant investment capital.

VA Loan

Exclusively for veterans, active-duty service members, and their spouses, VA loans are backed by the United States Department of Veterans Affairs. With no down payment and no private mortgage insurance (PMI) required, this loan package offers one of the most affordable paths to homeownership for those who have served our country. Whether you're a veteran looking to buy a home for your family or an investment property, the VA loan is a powerful tool.

USDA Loans

For those purchasing in eligible rural or suburban areas,  USDA loans, backed by the U.S. Department of Agriculture, offer 100% financing with no down payment. This package is a great fit for lower-income buyers seeking an affordable path to homeownership in specific areas. Buyers must meet income and credit requirements, and the property must be located in a designated USDA area.

Jumbo Loans

For clients looking to finance high-value homes that exceed conventional loan limits, jumbo loans offer tailored financing options with competitive rates. This loan is ideal for buyers with strong credit and higher income levels looking to purchase luxury properties.

Adjustable-Rate Mortgages (ARM)

If you seek flexibility and lower initial payments, adjustable-rate mortgages (ARMs) may be ideal. These loans offer a fixed interest rate for an initial period before adjusting periodically based on market conditions. ARMs are great for those planning to sell or refinance within a few years.

At Ebenezer Mortgage Solutions, we offer comprehensive loan options, whether you're purchasing your first home, seeking an investment opportunity, or refinancing an existing mortgage. Our dedicated team will work with you to find the best loan product to meet your financial needs and homeownership goals.

Testimonials from Our Satisfied Clients

Don’t just take our word for it—hear what our happy clients have to say about their experience with Ebenezer Mortgage Solutions!
“They are professionals who explained the process and got back to me in a timely manner. Highly recommended!”

Michael Smith

“They work like ants with giant results. They are always looking out for everything to come out quickly and smoothly. They are very attentive and always willing to clear up any doubts, making this process feel less for us the clients. We thank everyone, especially Grisey for all the encouragement and help he has given us. Thank you very much.”

Ponce-Garcia Family

Why Choose Ebenezer Mortgage Solutions in Carrollwood?

When securing the best mortgage, you need a partner that delivers more than just paperwork—we offer real benefits that make a difference in your home buying experience.

Competitive Rates

Why settle for the higher rates banks typically offer? We leverage our extensive network of lenders to find and negotiate the most competitive mortgage rates tailored to you. By comparing options across the market, we guarantee you're getting the best possible rate, saving you money both upfront and over the life of your loan.

Fast Closing Times

Time is crucial when purchasing a home, and we prioritize efficiency to provide a fast, hassle-free closing process. Our team works diligently to streamline every aspect of your mortgage, from negotiations to paperwork, so you can close on your home quickly and move forward with confidence—without the usual delays.

Professional Team

Let us take the burden off your shoulders. We handle everything—from applying for loans and negotiating terms to managing communications and decoding legal jargon—so you can focus on what matters: securing your new home.

Ready to Start Your Home Buying Journey? Contact Us Today!

Your dream home is just a step away, and at Ebenezer Mortgage Solutions, we're here to make the journey as smooth and enjoyable as possible. Our expert team is ready to guide you through every step, from securing competitive mortgage rates to navigating the complexities of financing.

Reach out via email, phone, or click the button below to schedule a consultation and let us help turn your homeownership dreams into reality.

Loan Officer/Mortgage Broker FAQ

What’s the difference between a Mortgage Broker and a Mortgage Lender?

A mortgage broker acts as an intermediary between you and multiple lenders. They help you find the best mortgage options by comparing rates and terms from various institutions. A mortgage lender, on the other hand, is the financial institution that provides the funds for your loan. Brokers offer a wider range of options, while lenders have specific products they offer.

How do I find a mortgage broker?

Finding a mortgage broker is relatively easy. You can start by asking friends, family, or real estate agents for recommendations. Additionally, you can search online directories or use professional associations such as the Nationwide Mortgage Licensing System (NMLS) to find licensed brokers in your area.

Why should you work with a mortgage broker over a mortgage banker?

Choosing a mortgage broker gives you access to a wider selection of loan products and competitive rates since they work with multiple lenders. Brokers also offer personalized guidance by providing all the information you need, such as potential down payment options, helping you navigate the complexities of the process, and finding the best mortgage for your financial situation. In contrast, mortgage bankers can only offer loans from their own institution, limiting your options.

Are there fees associated with using a mortgage broker?

While some mortgage brokers charge a fee for their services, many are compensated by the lenders they work with. It's important to ask about any potential fees upfront, so you understand the costs involved and can factor them into your overall budget. Additionally, be sure to consider how your cash reserves and savings account will play a role in covering these out-of-pocket expenses, making sure you're financially prepared throughout the mortgage process.

Are a mortgage loan and a home loan the same?

Yes, "mortgage loan" and "home loan" are often used interchangeably. Both refer to the funds borrowed to purchase a home, secured by the property. However, "mortgage" specifically refers to the loan agreement, while "home loan" can encompass various types of loans used for purchasing residential properties.

Are a mortgage broker and a real estate agent the same thing?

No, a mortgage broker and a real estate agent serve different roles in the home-buying process. A mortgage broker helps you find and secure the best home loan by comparing different lenders and loan products to suit your financial situation. Their focus is on securing financing. A real estate agent, on the other hand, assists with buying or selling a property. They guide you through property searches, making offers, and negotiating deals. While both are essential to the home-buying process, their expertise areas differ.

Discover the Top Neighborhoods in Carrollwood

Carrollwood, Florida is home to a variety of neighborhoods, each offering unique charms and amenities. Here’s a glimpse of some of the top neighborhoods you’ll find in this beautiful area:

Original Carrollwood

This picturesque area features beautiful lakes and parks, creating a peaceful, family-friendly environment perfect for raising children and enjoying nature.

Carrollwood Village

Known for its well-maintained homes and community-centered lifestyle, Carrollwood Village offers plenty of recreational amenities, making it ideal for active families and social gatherings.

Plantation

With a modern suburban feel, Plantation is popular among families and young professionals. Its convenient access to schools, shopping, and dining makes it a desirable place to live.

Cypress Run

Cypress Run boasts a quiet, residential vibe with a close-knit community atmosphere, perfect for those seeking tranquility away from the hustle and bustle.

Emerald Green Villas

This gated community features luxury homes adjacent to Carrollwood Country Club, offering an exclusive lifestyle with upscale amenities.

Beacon Meadows

Beacon Meadows provides affordable housing options along with convenient access to shopping and dining, making it a great choice for budget-conscious buyers.

Carrollwood's Must-Visit Attractions

Carrollwood offers a vibrant array of attractions that cater to all interests. Here are some highlights you won’t want to miss:

Carrollwood Cultural Center

This hub for arts and culture hosts a variety of events and classes year-round, making it the perfect place to immerse yourself in local creativity and community spirit.

Lake Carroll

Ideal for boating and fishing, Lake Carroll is a scenic outdoor spot where you can relax and enjoy nature. Pack a picnic or take a stroll along the shore for a refreshing day out.

Carrollwood Country Club

Experience top-notch golfing in Tampa Bay at Carrollwood Country Club, featuring a beautiful course and exceptional facilities. Whether you’re a seasoned golfer or a beginner, this club is perfect for a day on the greens.

Carrollwood Park

A family-friendly destination, Carrollwood Park is great for picnics and sports activities. With open spaces and playgrounds, it’s a wonderful spot for families to gather and enjoy the outdoors.

Northdale Park

Ideal for outdoor enthusiasts, Northdale Park features walking trails and sports fields. Whether you want to take a peaceful hike or play a game, this park offers plenty of options for fun.

Carrollwood Village Park

This park is perfect for family outings, featuring a dog park, playground, and splash pad. It's a fantastic place for kids to play and for families to spend quality time together.

Brooker Creek Headwaters Nature Preserve

For hiking and wildlife observation, head to Brooker Creek Headwaters. The serene nature trails offer a peaceful escape where you can reconnect with nature.

The Sacred Pepper

This popular local restaurant serves eclectic cuisine in a stylish and vibrant atmosphere. It’s a must-visit for anyone looking to enjoy a delicious meal in a lively setting.

The Grind Coffee Bar & Café

A trendy spot for coffee and light bites, The Grind is known for its cozy atmosphere and live music events. Perfect for a casual hangout or a relaxing afternoon.

Side Splitters Comedy Club

For a night of laughter, visit Side Splitters Comedy Club, the premier venue for comedic performances from both local and national comedians. Enjoy a fun evening filled with entertainment!
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