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Use our mortgage calculator that has a built-in Debt-to-Income ratio and various articles about mortgage programs, questions about loans and information on the cities you might buy in.

We are named one of the best mortgage companies in Hollywood, Florida

We broker loans for individuals, helping home buyers purchase, and homeowners refinance loans. NMLS 1967971

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  • We have access to various mortgage products so you do not have to shop around
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FANNIE MAE’S REFI-NOW AND FREDDIE MAC'S REFI-POSSIBLE

Low-income borrowers may soon be able to save hundreds of dollars a month on their mortgage through a new government refinancing initiative being introduced soon. FHFA introduces new refinance options via Fannie Mae and Freddie Mac, both announced their own versions of the initiative, which will be available to homeowners. The Fannie Mae RefiNow Matrix has the guidelines for this mortgage program.

FIRST-TIME HOMEBUYER $15K TAX CREDIT AND $25K GRANT

The Biden administration has delivered on a campaign promise to deliver a first-time home buyer credit. A new bill called the First-Time Homebuyer Act includes a tax credit of $15,000 for first-time buyers. The Down Payment Toward Equity Act also introduced plans for a $25,0000 grant. Neither bill has passed yet but both have the support of prominent members of congress. Eligibility for the tax credit will be based on a number of factors. These include income and home price. The tax credit will be available to anybody that has not owned a home in the last three years. However, the $25,000 grant will be reserved for first-time buyers.

CONFORMING VS CONVENTIONAL LOANS

If you have ever applied for a mortgage, you may have heard lenders refer to loans and wonder what is the difference between conforming vs conventional loans?But if you are a mortgage lender, you are fully aware that referring to a loan and know the differences between conforming vs conventional, knowing doesn’t always mean the same thing.A lot of confusion around conforming mortgages stems from the fact that only conventional loans can be conforming loans. However, not all conventional loans (as you will soon see) are conforming mortgages.So, what makes a loan a conventional loan and what makes it a conforming loan? Can a conventional loan be conforming?Below we will discuss the differences between conforming vs conventional mortgage loans.

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