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 in Sarasota: Simplify Your Home Loan Process

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

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.

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Hear from Our Happy Homeowners

At Ebenezer Mortgage Solutions, nothing brings us more joy than helping our clients achieve their dream of homeownership. Here's what some of our happy homeowners have to say about their experience working with us:
“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 Sarasota?

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:

Competitive Rates

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.

Fast Closing Times

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.

Professional Team

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.

Loan Officer/Mortgage Broker FAQ

Curious about mortgages? Here are some common questions answered:

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

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.

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?

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.

Are there fees associated with using a mortgage broker?

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.

Are a mortgage loan and a home loan the same?

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.

Discover the Top Neighborhoods in Sarasota

Sarasota boasts a diverse range of neighborhoods, each with its own unique charm and appeal. Some of the top neighborhoods in Sarasota include:

Lakewood Ranch

Known for its extensive amenities, including parks, golf courses, and a vibrant main street.

Siesta Key

Attracts both tourists and residents who enjoy beachside living.

The Landings

A private gated community with lush landscapes and various housing options, including single-family homes and condos.

Palmer Ranch

Features a variety of gated communities and is known for its golf courses and parks.

Gillespie Park

An up-and-coming neighborhood with a mix of renovated historic homes and new constructions.

Indian Beach Sapphire Shores

Known for its historic charm and scenic views of Sarasota Bay.

Southside Village

A mix of historic and modern homes located just south of downtown.

Sarasota's Must-Visit Attractions

Sarasota is brimming with must-visit attractions that cater to a variety of interests. Here are some of the top attractions in Sarasota:

Siesta Key Beach

With its quartz sand and crystal-clear waters, Siesta Key Beach always ranks among the best beaches in the country.

The John and Mable Ringling Museum of Art

This renowned museum complex features a stunning art collection, the historic Ca' d'Zan mansion, and beautifully landscaped gardens.

Marie Selby Botanical Gardens

Discover a lush oasis of tropical plants, including orchids, bromeliads, and exotic palms, set against the backdrop of Sarasota Bay.

Mote Marine Laboratory & Aquarium

Dive into the fascinating world of marine life with interactive exhibits, touch pools, and daily educational programs at this marine research facility and aquarium.

St. Armands Circle

Shop, dine, and explore this charming outdoor shopping district, known for its upscale boutiques, art galleries, and gourmet restaurants.
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