Home Financing

Mortgage Rates Averages¹

	Note Rate	Disc. Pts.	APR
30yr Fixed
15yr Fixed
3/1 ARM
5/1 ARM
7/1 ARM

¹Mortgage rates displayed are the mean average of current rates offered in Pinellas County, Florida. Rates are valid for credit scores of 700 and above. For scores from 680 to 699, borrowers would typically see increased fees up to 1% of the loan value, or an adjustment in the rate. Rates displayed are based on a $200,000 Purchase Money Loan home financing with 5% down-payment. Additional PMI required, unless down-payment is 20% or more. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. We recommend that you contact us to determine what rates may be available to you.

Mortgage Calculators²
Rent vs. Buy Calculator
PITI Calculator
Mortgage Pre-Qualifying Calculator
Maximum Mortgage Calculator

²An estimation calculator cannot factor in your credit rating. We strongly recommend that you contact us to let us help you determine what your actual costs would be in your specific financial profile.

Prequalifying for a Home Mortgage
The first step in any home search is home financing. Getting pre-qualified for a mortgage is necessary in today's market.

Shopping for a Home Loan
With so many lenders advertising mortgage rates in Florida, how do you know which ones are good, and which ones are teasers?

Comparing Loan Terms
So how do you know which mortgage offer is the one for you? Hint: take a look at more than just the interest rate.

Applying for a Home Loan
You have the information the bank wants, but do you know how to present it to them in a way that will get you approved?

Mortgage Loan Processing
What is happening behind the scenes after you submit your application? If you have a good mortgage broker, alot is going on.

If Your Application is Rejected
Getting turned down is not the end of the world, and it doesn't mean you have to give up your dream.

Examples of Mortgage Options
So what kinds of loans can you expect in Pinellas County, Florida? Here's a look at some options.

Mortgage broker license held with
D.D.A. Mortgage, Inc.
29296 US Highway 19 North
Clearwater, Florida 33761

Which programs interest you?
	FHA203 Loan	Vacation Home	No Assets
	Stated Income	Investment Property	Full Doc
	Purchase & Repair	Creative Financing	No Ratio
	VA Loan	No Income	$0 Down

Pinellas County, Florida

WHY means We Have Your Loan