Your Most Trusted Partner in Home Purchase Loans & Refinance Loans
NMLS # 1912387
Open Hours: Mon. - Fri., 9:00 a.m. - 6:00 p.m.
Let Us Turn Your Dream Home Into A Reality
Simplify your home loan process with Ebenezer Mortgage Solutions. Let our experienced mortgage brokers use their personalized approach and market knowledge to help you make smart decisions on your mortgage journey.
Make your dream of homeownership a reality with Ebenezer Mortgage Solutions. Contact us today to take the first step toward owning your dream home in Sarasota!
Don't let uncertainty hold you back from achieving your dream of homeownership. Whether you're a first-time buyer or looking to refinance, EMS is here to help. With our expertise, personalized service, and commitment to excellence, we'll guide you through every step of the home-buying process, ensuring a smooth and rewarding experience.
Choosing the right mortgage broker can make all the difference in your home-buying experience. Here’s why Ebenezer Mortgage Solutions stands out in Sarasota:
Ebenezer Mortgage Solutions prioritizes negotiating the most competitive rates for our clients. Through our extensive network and skilled negotiation tactics, we get you the best deal, saving you money over the life of your mortgage.
You can count on our swift and efficient service. Our streamlined processes and dedicated team work tirelessly to make sure all details are handled promptly, allowing you to move into your new home without unnecessary delays.
Our mortgage experts handle every aspect of the process with precision and care. From the loan application process to navigating complex paperwork and communicating with lenders, we have you covered every step of the way. With us, you can trust that your mortgage is in capable hands.
Curious about mortgages? Here are some common questions answered:
A mortgage broker acts as a mediator between you and a potential lender, to help you find the best mortgage terms. They work with multiple lenders and can offer a variety of loan options. On the other hand, a mortgage lender is the financial institution that provides the loan directly to you. They offer their own loan products and typically have specific lending criteria.
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.
Working with a mortgage broker may offer several advantages over a mortgage banker. Brokers have access to a wider range of loan products from multiple lenders, allowing them to find the best terms and rates for your specific needs. On the other hand, a mortgage banker works directly for a specific financial institution, such as a bank or credit union. This means they can only offer mortgage products provided by their institution, which may not always be the best fit for every borrower's needs.
Yes, mortgage broker fees can be paid in several ways. Many lenders who work with a broker charge an origination fee, which covers the loan process costs and is often paid to brokers as a commission. Alternatively, brokers may charge an upfront, flat, or mixed fee for their assistance. Borrowers must discuss payment arrangements upfront to understand how brokers are compensated for their services.
Yes, mortgage and home loans are terms used interchangeably to refer to financing used to purchase a home. More specifically, a mortgage is a legal agreement that secures the loan with the property, while a home loan refers to the funds borrowed to purchase the home. However, both terms essentially mean the same thing when purchasing real estate.
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