Services
Are you ready to buy or upgrade the home of your dreams?
*This button will take you to our application portal powered by Caliber Home Loans, Inc.
Dedicated Since 2005
Located in St. Petersburg, Florida, we have been providing quality real estate financing for over 14 years. With a proven track record, we serve the lending needs of real estate professionals, builders and individual home buyers.
Our qualified and skilled team offer expertise for all your home financing needs.
Loan Programs
CONVENTIONAL Home Loans
Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt, and some down payment, they are often the least complicated way to get the most flexible mortgage options.
Fixed Rate for the life of the loan
10, 15, 20 & 30 year terms
Loan Amounts up to $484,350
Primary, Second Homes, & Investment Properties
Low Down Payment Options Available for Qualified Borrowers
Available for Purchase and Refinance Transactions
FHA Home Loans
FHA Loans are insured by the Federal Housing Administration (FHA), and is 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.
Primary Residence or Second Home
A minimum of 3.5% down payment required – May be a gift!
Seller can contribute up to 6% of borrower’s closing costs
Available for Purchase and Refinance Transactions
Flexible Mortgage Guidelines
VA Home Loans
The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.
Must be a Veteran, Active Duty Military, or Reserves member
Up to 100% Financing – No Down Payment
No Monthly Mortgage Insurance
Closing Costs May Be a Gift
Available for Purchase and Refinance Transactions
USDA Home Loans
The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.
For Primary Residence
100% Financing Available
10, 15, 20 and 30 year terms
House must be in a Rural Development-eligible area.
*This button will take you to our application portal
powered by Union Home Mortgage.
Our Process
We service a full range of mortgage sources and all of our team is dedicated to finding the right loan with the best rate, terms, and cost to meet your unique needs. But that’s just the beginning. Throughout the lending process, our talented staff will provide regular updates and progress reports so you know exactly where you stand, in person or online.
Let us make your mortgage experience simple!
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.