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When You’re Ready To Buy A Home
Are you a first-time home buyer? Are you considering upgrading or moving to a different community in Florida? Trust the loan experts with 25+ years of experience helping homeowners secure loans.
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Your path to homeownership starts here. We’ll help you secure the right loan program, find you the best rates, and get you pre-approved so you can begin searching for your new home.
Frequently Asked Questions
What does APR mean?
APR stands for Annual Percentage Rate, the total loan cost calculated into an annual interest rate. When comparing loans and rates, APR is used, so you’re comparing “apples to apples” among different loan programs.
What does it mean to purchase points?
You can pay a one-time fee to purchase points that’ll lower your interest rate. Each point costs 1 percent of your loan amount and will drop your interest rate by up to a quarter percent.
How do I calculate my debt-to-income ratio?
Your debt-to-income (DTI) ratio is one of the top figures that lenders will look at.
To calculate your DTI, first add up all your monthly bills (rent, loan payments, credit cards, alimony, child support, and any other debts you’re paying each month). Do not include expenses such as utilities, groceries, or gas.
Next, divide the total by your gross monthly income (before taxes are taken out). The calculation will give you a percentage, which is your DTI.
What is mortgage insurance?
If you’re making a down payment that’s less than 20 percent, lenders will typically require that you pay mortgage insurance. It’s meant to lower the risk for lenders in the event you default on your loan.
Why Homeowners Love E 3 Mortgage
I purchased and refinanced my home with this company, and they were very professional! Definitely recommend.
Why You Can Trust Us
We Know Home Loans
Our industry experience is your guarantee. You’re backed by a team with over 25 years of expertise in mortgages and real estate.
We Share Our Knowledge
You get the best advice, tips, and information to help you make a wise home buying or refinancing decision.
We Give You Lots Of Options
We’re a small mortgage broker with big lender loan options to fit every type of homeowner. You get access to our extensive portfolio.
We Value Our Clients
We build strong relationships with our clients and are always here to help guide you through the process and answer your questions.
How Can We Help?
Reach out to us with any questions you may have. We’re happy to connect.
