I do Residential Mortgages in the State of Florida only, that is where I am licensed. Most of my business is from Pinellas, Hillsborough, and Pasco County. I am doing more loans all over the State as time goes on. I love to go to my closings and will drive up to 1 hour to be there at your closing. I do Fnma/FHMC, FHA, VA, C/p, Nonqm mortgages. On the Commercial side the whole Country is open and if you are having difficulty with your lender and not going anywhere, go to www.ddamortgage.com and complete a form and I will get back with you.

Technology has made it so easy to help get your mortgage processed and closed

I am always available to help out and I answer your questions and teach you along the way

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When choosing a mortgage lender, it's important to carefully compare several key factors to ensure you get the best deal and the right fit for your financial situation. Here’s who you might consider and how to evaluate them:

1. Types of Lenders to Consider
Banks: Traditional option; may offer relationship discounts if you have accounts there.

Credit Unions: Often have lower rates and fees; membership may be required.

Mortgage Brokers: Shop multiple lenders on your behalf but may charge a broker fee.

Online Lenders: Often streamlined and convenient; compare their rates carefully.

Non-bank lenders: Can be more flexible for unique financial situations.

2. What to Look For
Interest Rates: Fixed or variable—get quotes from multiple sources to compare.

Fees: Application, origination, underwriting, appraisal, and closing costs.

Loan Types Offered: Conventional, FHA, VA, jumbo, etc., based on your eligibility.

Customer Service: Look for responsive, transparent, and helpful communication.

Reputation: Read reviews and check ratings from the Better Business Bureau or Trustpilot.

Preapproval Process: A good lender should make this easy and informative.

3. Best Practice
Get at least 3 quotes from different lenders.

Ask for a Loan Estimate from each so you can compare total costs side-by-side.

Consider long-term value, not just the lowest monthly payment—compare APRs.

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A bridge loan is a short-term loan used to "bridge the gap" between buying a new home and selling your current one. It's typically used by homebuyers who need funds for a down payment on a new home before their existing home sells.

Here's how it works:
You own a current home and want to buy a new one.

You haven't sold your current home yet, so your cash is tied up in its equity.

A bridge loan gives you access to that equity—before the sale closes—so you can make a down payment or cover closing costs on the new home.

The bridge loan is secured by your current home, and repayment typically comes from the proceeds once it sells.

Key Features:
Term: Usually 6–12 months.

Interest Rates: Higher than a traditional mortgage.

Repayment: Often interest-only during the term, with a balloon payment (full payoff) at the end.

Loan Amount: Usually up to 80% of the combined value of both homes (existing + new).

Example:
Your current home is worth $400,000 with a $250,000 mortgage (so $150,000 equity).

You want to buy a $500,000 home.

A bridge loan lets you borrow against some of that $150,000 equity to cover the new home's down payment while waiting for the current home to sell.

Is this conversation helpful so far?

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