Smart Home Loans

Your Mortgage Made Easy

Today's National average interest rates

mortgage, refinance & home loans

We are a full service mortgage company based in Ponte Vedra, FL. We specialize in Residental and Commerical Mortgages. We also serve the surrounding cities in Duval, St. Johns, Broward, Miami-Dade, Palm Beach Counties. Whether you are buying a home or refinancing in Florida, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | HomePath | Jumbo | Commercial | Conventional

Fast & Easy Application process

Mortgage

What makes unique is that we offer the following niche programs as well: First Time Home Buyer, Foreclosure, Down payment Assistance, Credit Repair.

Refinance

Refinancing? We can help you with that, too! We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you.

Home Loan

What makes unique is that we offer the following niche programs as well: First Time Home Buyer, Foreclosure, Down payment Assistance, Credit Repair.

Contact today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

FHA HOME LOAN

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA LOANS

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates

USDA LOANS

If you’re looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan

JUMBO LOANS

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan.

we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

Satistied Clients
Loans Closed
Refinanced

Our Client Says

I met Sean under unusual circumstances. A loan broker I had been working with for many weeks suddenly disappeared days before closing. Sean came highly recommended and did not disappoint. He worked hard to get my closing done without losing my dream home. He was there every step of the way making sure that I felt comfortable. He was great at keeping in contact, responding to every email or phone call. He answered all my questions no matter how ridiculous, he got me a great rate in a short period of time. I don't know what I would have done without Sean. I would highly recommend anyone looking for a mortgage broker to contact him!
Brad Cregan
Satisfied Client

Frequently Asked Questions?

It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you’re saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms. Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. Lenders may refer to costs in terms of basic points in hundredths of a percent, 100 basis points = 1 point, or 1% of the loan amount.

Yes, if you plan to stay in the property for a least a few years. Paying discount points to lower the loan’s interest rate is a good way to lower your required monthly loan payment, and possibly increase the loan amount that you can afford to borrow. However, if you plan to stay in the property for only a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front.

The annual percentage rate (APR) is an interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other credit costs. The APR allows homebuyers to compare different types of mortgages based on the annual cost for each loan. The APR is designed to measure the “true cost of a loan.” It creates a level playing field for lenders. It prevents lenders from advertising a low rate and hiding fees.

The APR does not affect your monthly payments. Your monthly payments are strictly a function of the interest rate and the length of the loan.

Because APR calculations are effected by the various different fees charged by lenders, a loan with a lower APR is not necessarily a better rate. The best way to compare loans is to ask lenders to provide you with a good-faith estimate of their costs on the same type of program (e.g. 30-year fixed) at the same interest rate. You can then delete the fees that are independent of the loan such as homeowners insurance, title fees, escrow fees, attorney fees, etc. Now add up all the loan fees. The lender that has lower loan fees has a cheaper loan than the lender with higher loan fees.

The following fees are generally included in the APR:

  • Points – both discount points and origination points
  • Pre-paid interest. The interest paid from the date the loan closes to the end of the month.
  • Loan-processing fee
  • Underwriting fee
  • Document-preparation fee
  • Private mortgage-insurance
  • Escrow fee

The following fees are normally not included in the APR:

  • Title or abstract fee
  • Borrower Attorney fee
  • Home-inspection fees
  • Recording fee
  • Transfer taxes
  • Credit report
  • Appraisal fee

Need to discuss anything?

Get In touch so we can assist you!