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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Let Us Turn Your Dream Home Into A Reality

Mortgage Broker Citrus Park, FL: Simplify Your Home Loan Process

House hunting can feel overwhelming, but it doesn’t have to be. With Ebenezer Mortgage Solutions by your side, you can focus on the exciting part—finding your dream home—while we take care of the details. From securing the best loan options to managing the paperwork, we’ll give you the confidence and support to navigate the Citrus Park, FL, real estate market with ease.

Your Journey to Homeownership: Our 6-Step Loan Process

Ebenezer Mortgage Solutions provides the tools for a smooth home purchase. Whether it’s your first home or an investment property, we offer the knowledge and resources to help you make informed decisions while we handle the details of buying in Citrus Park.

Step 1: Initial Consultation

We start with a consultation to understand your financial situation and homeownership goals. This helps us explore the best loan options for you—whether it’s a Conventional Loan, FHA Loan, VA Loan, or another option.

Consultation

Step 2: Pre-Approval

Get pre-approved quickly with our streamlined process. Pre-approval increases your buying power and demonstrates to sellers that you’re a serious buyer. During this step, we’ll review your credit score, employment history, and income to determine your borrowing capacity.

Pre-Approval

Step 3: Loan Application

After pre-approval, we assist in completing the full mortgage application. We’ll guide you through gathering the necessary documents—such as pay stubs, tax returns, and bank statements—ensuring a smooth, efficient process.

Efficient Process

Step 4: Processing & Underwriting

Your application is then submitted to the lender for processing. During underwriting, your file is reviewed to ensure all loan criteria are met. We maintain close communication, handling any additional requests to keep things moving smoothly.

Underwriting

Step 5: Approval & Closing

Once your loan is approved, we schedule your closing date. We’ll guide you through the final paperwork, explain the mortgage terms, and ensure you fully understand everything before signing.

Closing

Step 6: Welcome Home

After closing, you’re officially a homeowner! We’re here to answer any post-closing questions and ensure your transition into your new home is seamless.

Homeowner

Testimonials from Our Satisfied Clients

At Ebenezer Mortgage Solutions, we take pride in the positive feedback we receive from our clients. Their success stories highlight our commitment to making the mortgage process a smooth, successful, and stress-free experience.
“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

Comprehensive Mortgage Solutions for Every Need

At Ebenezer Mortgage Solutions, we offer a wide range of tailored loan options that make homeownership affordable and straightforward. Our expertise allows us to provide competitive rates and strategic financial advice to help you navigate the mortgage process with confidence.

Affordable & Competitive Mortgage Rates

We work with a broad network of lenders to compare options like Conventional Loans backed by Fannie Mae and Freddie Mac, FHA Loans, VA Loans, USDA Loans, and more. We also offer cash out refinancing, second mortgages, and reverse mortgages, helping you secure the best rates and maximize affordability.

Pre-Approval & Financial Strategies

Our efficient pre-approval process strengthens your buying power, making your offers more appealing to sellers. We help you optimize down payments, improve your debt-to-income ratio, and enhance your credit score to ensure you secure the right loan and build financial wealth.

Market Insights & Legal Support

Our team provides insights into interest rate trends and local housing demand to help you adapt to market changes. We handle legal aspects like title insurance, escrow, and securing surety bonds, collaborating with lawyers to ensure a smooth, compliant transaction.

Why Choose Ebenezer Mortgage Solutions as your Mortgage Broker in Citrus Park?

Choosing the right mortgage partner can transform your home-buying experience. Here’s why Ebenezer Mortgage Solutions is the best mortgage broker company in Citrus Park:

Competitive Rates

Why settle for high mortgage rates? We negotiate with multiple lenders to secure the most competitive rates, ensuring you get the best deal possible. Our broad network allows us to find the best rates tailored to your financial situation.

Fast Closing Times

Time is crucial in real estate. Our dedicated team works efficiently to handle all mortgage details, ensuring a quick and smooth closing process. We prioritize speed without compromising quality, so you can move into your new home sooner.

Professional Team

From loan applications to negotiations and legal paperwork, we handle it all. Our expert team manages every aspect of your mortgage process, from filling out forms to deciphering complex legal terms. With our comprehensive management and personal finance expertise, we ensure every detail is taken care of so you can focus on what matters most—finding your dream home.

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

Take the first step towards your dream home with ease. Our expert team at Ebenezer Mortgage Solutions is ready to guide you through every step, from finding the best mortgage rates to closing on your dream home.

Don't wait—contact us now to secure your pre-approval and take the next step toward your dream home!

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 the consumer and multiple lenders, including mortgage companies, credit unions, and other financial institutions, helping you find the best mortgage rates and terms. A mortgage lender, on the other hand, provides the funds directly for your loan.

How do I find a mortgage broker?

To find a mortgage broker, start by asking your real estate agent for referrals or seeking recommendations from friends and family. You can also research local mortgage brokers on platforms like Google, Facebook, Yelp, and LinkedIn, which provide reviews and ratings from previous customers. Conduct a background check, verify their credentials, read online reviews, and compare portfolios to find a licensed, experienced broker with a strong reputation for delivering excellent service.

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

Working with a mortgage broker over a mortgage banker can offer you access to various loan options from various lenders, helping you secure more competitive rates and terms tailored to your financial situation. While mortgage bankers are limited to their institution's products, brokers collaborate with real estate agents to streamline the home-buying process and guide you through underwriting, ensuring the loan meets your needs. This personalized service and flexibility can make securing the right mortgage easier and more efficient.

Are there fees associated with using a mortgage broker?

Yes, fees are associated with using a mortgage broker, typically in the form of loan origination fees or a commission ranging from 1% to 2% of the loan amount. This percentage may be paid by either the borrower or the lender. While brokers work to find you the best mortgage deal, it's important to ask about a potential conflict of interest, as some brokers may be incentivized to steer clients toward loans from lenders that offer higher commissions rather than the best rates for the borrower. Always clarify the fee structure upfront to avoid any surprises.

Are a mortgage loan and a home loan the same?

A mortgage loan and a home loan are essentially the same, both referring to loans used to purchase or refinance residential properties. However, a mortgage loan can also apply to an investment commercial property, where the borrower uses the property as collateral. In both cases, the lender holds a lien on the property until the loan is repaid. Additionally, homeowners can tap into their home equity through a mortgage loan or a home equity line of credit (HELOC), using the value they've built in their property as collateral for further funding.

How can I use a mortgage calculator to estimate my monthly payments?

To use a  mortgage calculator to estimate your monthly payments, start by entering the loan amount you plan to borrow, the interest rate, and the loan term (in years). The calculator will typically require additional details like property taxes, home insurance, and any private  mortgage insurance (PMI) if applicable. Once you've input all the necessary information, click the calculate button, and the tool will provide you with an estimate of your monthly payment, breaking it down into principal and interest, as well as any additional costs. This can help you budget effectively for your home purchase.

What is the pre-approval process?

The pre-approval process is the first step in your Citrus Park home-buying journey. It involves submitting your financial information—like your  credit score, employment history, and income—so that a lender can determine how much you can borrow. A pre-approval helps you  understand your budget and strengthens your offer when you're ready to purchase a home.

What documents are required for a mortgage application?

Lenders will typically ask for the following:

  • Proof of income (recent pay stubs, W-2 forms, or tax returns)
  • Proof of employment (employment history or verification letter)
  • Credit history (permission to run a credit check)
  • Proof of assets (bank statements, investment accounts)
  • Identification (such as a driver’s license or passport)

Having these documents ready can speed up your approval process.

Glossary of Mortgage Terms

  • Conventional Loans: Home loans not insured by the government, often backed by private lenders like Fannie Mae and Freddie Mac. They typically require higher credit scores but offer competitive interest rates.
  • FHA Loans: Loans insured by the Federal Housing Administration, designed to help first-time homebuyers or those with lower credit scores by requiring smaller down payments.
  • VA Loans: Mortgages guaranteed by the U.S. Department of Veterans Affairs, offering low or no down payment options for veterans, active service members, and their families.
  • USDA Loans: Loans backed by the U.S. Department of Agriculture for buyers in rural or suburban areas, often with no down payment requirement.
  • Cash Out Refinancing: A refinance option that allows homeowners to replace their existing mortgage with a larger loan, receiving the difference in cash for other expenses like home improvements.
  • Second Mortgage: An additional loan taken out against a property that already has a mortgage. Typically used for home improvements or other large expenses.
  • Reverse Mortgages: A loan for homeowners 62 and older, allowing them to convert part of the equity in their home into cash without having to sell the home or make monthly mortgage payments.
  • Pre-Approval: The process of a lender reviewing your financial information to determine how much they are willing to lend. This gives you an idea of your budget when shopping for a home.
  • Debt-to-Income Ratio (DTI): A calculation used by lenders to determine how much of your income is used to cover debt. A lower DTI ratio is usually required to qualify for a mortgage.
  • Credit Score: A numerical representation of your creditworthiness, based on your financial history. Higher credit scores often result in better loan terms and lower interest rates.
  • Title Insurance: Insurance that protects the buyer and lender from any legal claims against the property, such as liens or ownership disputes.
  • Escrow: A neutral third-party account where funds (usually for property taxes and insurance) are held until they are needed. It can also refer to holding money until a transaction, like a home purchase, is completed.
  • Surety Bonds: A financial agreement that guarantees obligations, often used in real estate to ensure a contractor or service provider will fulfill their duties.

Discover Top Neighborhoods in Citrus Park, Florida

Citrus Park offers a variety of charming neighborhoods, each with its unique appeal. Explore some of the top areas where you might find your perfect home:

Logan Gate Village

Known for its serene atmosphere and well-maintained properties, Logan Gate Village offers a peaceful setting with convenient access to local amenities.

Fawn Ridge

This family-friendly neighborhood features spacious homes and excellent community facilities, making it a popular choice for growing families.

Mandolin Estates

Mandolin Estates boasts beautiful, upscale homes and a friendly community vibe. Enjoy the blend of luxury and comfort in this desirable neighborhood.

Eaglebrook

Eaglebrook's modern homes and scenic views provide a perfect balance of tranquility and convenience, making it ideal for professionals who want easy access to local business hubs while enjoying a peaceful residential environment.

Cumberland Manors

Offering a mix of traditional and contemporary homes, Cumberland Manors is known for its welcoming community and proximity to local schools and parks.

Arlington Park

Arlington Park features charming homes and a strong sense of community. It's a great choice for those who value a friendly neighborhood atmosphere.

Ventana

Ventana offers upscale living with beautifully designed homes and well-planned amenities, making it a sought-after choice for those interested in condominium living.

Citrus Park's Must-Visit Attractions

Experience the best of Citrus Park and make the most of everything this vibrant area has to offer!

Big Cat Rescue

Experience an unforgettable visit to Big Cat Rescue, a sanctuary dedicated to the care and protection of big cats. Learn about these magnificent animals and the efforts to conserve their species.

Westfield Citrus Park Mall

Shop, dine, and enjoy entertainment at Westfield Citrus Park Mall, a vibrant shopping destination in the Tampa Bay area that offers a wide range of stores, restaurants, and family-friendly activities for your pleasure.

Upper Tampa Bay Trail

Explore the scenic Upper Tampa Bay Trail, perfect for walking, biking, and jogging. Enjoy picturesque views and outdoor recreation in this beautiful trail system.

In the Breeze Ranch

Visit In the Breeze Ranch for a taste of country life. Enjoy horseback riding, petting zoos, and other farm activities that are perfect for families and animal lovers.

Logan Gate Dog Park

Let your furry friends run free at Logan Gate Dog Park. This well-maintained park offers ample space for dogs to play and socialize in a safe, welcoming environment.

Rocky Creek Trails Nature Preserve

Immerse yourself in nature at Rocky Creek Trails Nature Preserve. Explore hiking trails and enjoy the serene beauty of this preserved natural area.

Lake Rogers Park

Relax and enjoy the outdoors at Lake Rogers Park. With its scenic lake, picnic areas, and walking trails, it’s a great spot for a family outing or a peaceful day in nature.
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