As the Lovely Mrs. Bay Vista, I am lucky to share an office with some of the best Realtors in the Tampa Bay Area. Our office sits near the corner of US 41 and SR 54 in Lutz, FL. We await your Visit.
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This one-time close loan gets you all of the financing you need--construction loan to build your home and permanent loan to live in it for years to come. In other words, when your dream home is finished, you don't have to apply for another loan and pay another set of closing fees.
Our Lot Loan lets you purchase a residential lot for future construction of your primary residence or second home. When you are ready to build, we will help you with your Construction-to-Permanent Loan.
Looking to improve your home--new kitchen, bigger bathroom, room addition, and more!
Bridge Loans Don't wait to sell your old home before building your dream home. Access equity in your current home to use as the down payment on a Construction-To-Permanent Loan. Builder Spec Loans Attention Builders! Finance your next project with our Speculative Construction Loan. Great service. Fast approvals. 24/7 online draw requests.
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The National Association of Mortgage Brokers (NAMB) is a not-for-profit organization committed to promoting the highest degree of professionalism for its members and providing ethical and professional standards against which mortgage brokers can be measured.
In order to achieve this goal, NAMB has developed a rigorous certification program to recognize brokers who have attained the highest levels of professional expertise. Developed through extensive research by mortgage industry experts, a NAMB certification is gained only once the candidate has met certain requirements of experience and knowledge to practice mortgage brokering and has passed a written examination.
When combined with our code of ethics and best business practices, a NAMB certified mortgage broker is your guarantee that you are dealing with a recognized expert in the mortgage origination field.· Use a NAMB-certified mortgage broker. Take advantage of the “Find a Broker” link onthe NAMB home page, www.namb.org, to find a NAMB member, who must adhere tobest lending practices and a stringent ethical code. You can also search by name todetermine whether a broker you are considering is a NAMB member.· Ask friends, families and neighbors to recommend a trusted mortgage broker in yourcommunity.· Professional mortgage brokers will explain the loan process, from application to closing;they will also discuss and exp lain financing program options and all associated costs ofthe loan application.· Reputable mortgage brokers charge rates and fees that do not vary based on race,religion, national origin, gender, marital status, age, or receipt of income from publicassistance programs.· Professional mortgage brokers will communicate with you throughout the loan process ina timely manner.· Reputable mortgage brokers commit to serve as your financing resource before, duringand after your transaction.· Beware of high-pressure sales tactics. No reputable broker or lender will try to pressureyou to take out a loan. Walk away from anyone pressuring you to sign off on a loan.· A mortgage broker must notify you of the closing costs within three business days. If youhaven’t received the closing costs within that time, then take your business elsewhere.· Do not sign a contract with a mortgage company until you’ve seen a lock- in sheet and arecomfortable with the Good Faith Estimate (GFE) that the lender provided to you. If youare uncomfortable with it, then go somewhere else.· Don’t take out any loan you don’t fully understand or aren’t completely comfortablewith. If you aren’t happy with the loan terms, don’t understand what you’re being askedto sign, or just have a bad feeling about it, then walk away – you are not obligated to thatmortgage company at any time unless you have signed a contract stating that you mustuse their services.NAMB-affiliated mortgage professionals can help cons umers navigate through the home-buyingprocess. NAMB is committed to promoting the highest degree of professionalism for itsmembers, who subscribe to a Code of Ethics that includes honesty in advertising and conductingbusiness, confidentiality, compliance with the law, and more. For more information, visit theNational Association of Mortgage Brokers Web site at www.namb.org.