How Can I Help?
My team & I are here for you from application to closing and beyond. Let us simplify the mortgage loan process and experience our unparalleled service.
Why Choose Me?
Because I understand this is the largest financial decision you will make in your lifetime! My team and I take your needs very seriously. Our systems & processes ensure you get into the right program and are set up for a successful homeownership experience. We strive to make your loan the start of a long term relationship!
Loan Programs
CONVENTIONAL Home Loans
Conventional loans are the most common and widely available mortgage option and usually are the least complicated way to get the most flexible mortgage options.
FHA Home Loans
FHA Loans are often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer.
VA Home Loans
Subject to VA eligibility requirements, VA home loans are generally easier to qualify for a VA loan than conventional loans.
USDA Home Loans
Providing low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums.
*This button will take you to our application portal
powered by Union Home Mortgage.
Our Process
Step 1
Pre-Approval
Pre-Approval
I will evaluate your credit, income, and assets to determine the home price range you qualify for. Once this process is complete, you will receive a Pre-Approval letter that solidifies you as a strong buyer to any sellers you choose to submit with your offers.
Step 2
Application
Application
Once you have placed an offer, my team will assist you through filling out the official loan application. All of the documentation that needs to be updated will be requested and you will be issued disclosures to review and sign.
Step 3
Processing
Processing
My loan processors will verify all documents for you, your assets, and the property being purchased or refinanced. After initial review, any additional documentation will be requested and assemble to complete the package for the underwriter.
Step 4
Underwriting
Underwriting
Once our processor submits your loan file to underwriting, it is checked again to make sure the borrower and property meet all of the guidelines for the loan. Occasionally loans approved with conditions. Once the conditions are met, the loan is "clear to close".
Step 5
Clear to Close
Clear to Close
Once the loan has been approved, the closing process begins. During the closing, the property title passes from the seller to the buyer. Through a closing agent (attorney), the closing documents are then signed, the loan is funded, and the process is complete.
What Our Clients Say...
I like how efficient it is to get documents through the secure portal. We always get someone to talk to for answering questions right away and we closed on time.
Garth R.
Charles has been great through out the process. He help me get the loan that I didn’t think I could. He is a part of made my dream come through to get this house. Thank you so much.
Lila U.
I was referred to Charlie by my sister. She described him as knowledgeable, trustworthy…simply incredible! I agree. He was very responsive and navigated me through the home buying process. I would be remiss if I left out James Marks, Charlie’s teammate….who was absolutely phenomenal, as well. I would highly recommend using Charlie and James of the Mortgage Firm.
Rongette L.
Charles was great he constantly kept me informed. I work with him on a daily bases and why I chose him to do my refinance. He worked very hard to make things happen and thought outside of the box. And had a great experience definitely recommend him as a lender.
Tanya L.
Contact Us
We would love to talk with you about your home financing needs!
*This button will take you to our application portal
powered by Union Home Mortgage.
Your Bearded Loan Guy is proudly powered by:
449 Apollo Beach Boulevard
Apollo Beach, FL 33572
813-392-4200 x54231