Welcome To My Profile

Financial advise is very essentual and the key aspect in any Real Estate transaction. Being so, I have an open door policy to any one seeking guidence in any arena within the market place.

My Services

• Quality lenders compete for you. Compare and find the best rates.
• Low monthly payments.
• Free no obligation multi-saving quotes.
• Quick and easy processing.
• No credit check and No social security number required for our matching service.
• Bad Credit OK - You don't need excellent credit to get a loan. We can usually match you with lenders, regardless of your credit.
• Our partners have saved tens of millions for American consumers.

I offer the best services in mortgage financing at the lowest cost to you. Making the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

The professionals I work with are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We will be with you every step of the way to ensure that you secure the very best financing for your situation.

                             Realtor's Gold Mine

If your a Realtor that is waisting time showing properties with out knowing if your prospects qualify, then you have come to the right place! Let me go to work for you and pre-qualify your prospects.

My Services to Realtors

• Confidentuality Agreement between me and the Realtor
• Pre-qualify all your prospects free of charge
• I represent you and YOU CALL THE SHOTS!
• Simultaneous closing
• Property analysis to include Title Search, Market Value Analysis, Demographic Statistics, ext.
• Keep undated with the financial market
• Down Payment Assistance for your propects
• 100% Financing with 6% Seller Concessions Allowed to be used for closing cost

Call me, test drive my services. I asure you that you'll be happy! My goal is to have you come back and grow my business relationship with you. Undertanding each other and working together can be a fantastic thing, only to prosper. Honesty, integrity, loyalty makes a Good Broker. I look forward to working with many of you!

                        Florida Government Links

A mortgage broker is someone that will make, negotiate, acquire or offer to make, negotiate or acquire a mortgage loan on your behalf. A mortgage solicitor provides the same service but under the supervision of a mortgage broker.

Basically, the mortgage broker processes the paperwork for the loan and submits it to a lender for approval and funding. The mortgage broker normally has agreements with several lenders. Therefore, the mortgage broker may be able to offer a wider array of loans to fit the borrower's needs.

A mortgage lender is a company that actually lends the funds. A mortgage broker finds a lender to lend the funds. What is a Good Faith Estimate?

The Good Faith Estimate is an estimate of settlement service charges you will likely incur. Please be aware that these are only estimates and the final charges may not be the same.

The Truth-in-Lending Disclosure, also called Regulation A, requires lenders to give borrowers an estimate of the terms of the loan such as the annual percentage rate (APR) and finance charges.

This fee covers the lender's administrative expenses in processing the loan.

The loan discount or "points" is a one-time charge used to adjust the yield on the loan to what market conditions demand. Each point is equal to one percent of the loan amount.

Settlement is the formal process by which ownership of real property passes from seller to buyer.

APR stands for "annual percentage rate." The APR reflects the cost of your mortgage loan as a yearly rate. The APR includes interest and other credit costs.

You should receive a truth-in-lending disclosure and good faith estimate within three business days of submitting your application to the mortgage broker.

The mortgage broker may ask for an application fee which will be used to pay for credit reports, appraisals, verifications and title reports. The initial application fee may or may not cover the charges incurred by the mortgage broker in processing your loan application. If the initial fee does not cover the expenses, you may be required to pay additional monies.

This initial fee is normally a NONREFUNDABLE fee, regardless of whether you qualify for the loan or not.

There will be a waiting period until all documents are returned. The mortgage broker will then process all paperwork to send to the lender for final approval.

The lender may require additional information in order to qualify you for the loan.

After all documents are received and in order, the mortgage broker will prepare the documents for signing, escrow, and recordation.

Be aware that when a mortgage broker advertises a certain rate, that is not necessarily the rate you will get. The rate you ultimately get may be dependent on your credit history, market changes or other factors.

The appraisal fee may vary significantly from transaction to transaction.

According to the Fair Credit Reporting Act, if the terms of your financing were adversely affected by a credit report, you have the right to inspect a summary of your credit report free of charge or for a small fee.

Banc Plus Home Mortgage Center

Who is Banc Plus Home Mortage Center? Full-time residential real estate finance professionals Experts at working through the mortgage lending process to save you time Your representatives to many lenders Providers of loans that comply with industry standards and requirements Specialists with competitive up-to-date loan rates Affordable consultants who will save you time and money Why use? Our position in the mortgage industry gives us a competitive edge allowing us to provide you with a loan that costs less. Our focus is to help you achieve the "American Dream" through proper financing of your home purchase or refinance. We have a vested interest in satisfying your needs. We will select the best lender from our many sources to provide you with a loan that meets your individual needs. We have extensive knowledge of the many loan programs available and will take the time to fit your needs to the best loan. There is a loan for everyone and we know how to find it. Because interest rates change daily, we can obtain a lock-in rate to insure that the rate being offered is available to you at closing. We are motivated to keep the processing time to a minimum to satisfy you with timely performances. As your personal Mortgage Consultant, we are happy to work for you to find the best loan for you home. What Should You Bring To Your First Appointment? To assist your Mortgage Consultant in the loan processing, it will help if you bring the following items to your first appointment: Your tax returns and W-2's for the past two years A list of your current assets and liabilities Any information you have on the home, land, or lot improvements If you are purchasing or building a home, you will need to bring in: A copy of the purchase agreement for the home and the land. Please be sure to include a bid from the builder A copy of the canceled earnest money check or receipt along with details on the source of the earnest money and down payment Appraisal and credit report fees ($350.00) Driver's license and Social Security card Pay stubs (originals, last 30 days) The most recent three months' bank statements Residence history for the last two years, including the name and address of your landlord, mortgage company, or bank. Information on any other real estate owned Copy of your divorce decree

                                           Please send us an e-mail and thank you for visiting our web site.  

                                                                             Ernest Gonzalez

                                                                       Licensed Mortgage Broker

                                                                    Independant Branch Manager

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