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  Mortgage Financing
florida mortgage financing real estate loans lender

2803 E Commercial Blvd., Suite 210
Fort Lauderdale, FL 33308 USA

branon edwards realtor mortgage broker florida Branon A. Edwards, e-PRO
Licensed Florida Mortgage Broker
Licensed Florida Real Estate Broker

Direct Phone: 786-417-4910
Branon@InvestFloridaRealty.com
Private Fax:  786-524-5747
Thank you for the opportunity to EARN your business!
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Aqualand Commercial Residential Real Estate in Florida


8359 Stringfellow Road
Saint James City, Florida  33956 USA

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    FINANCING and MORTGAGES
    with Mainland Mortgage Corporation
    Choose Your Own Interest Rate - Ask Us How!

    Florida Mortgage Loans and Financing Available:
    Home Loans (1st and 2nd)
    Condominium Loans
    Condo-Hotel Loans
    Land Loans
    Commercial Loans
    First Time Home Buyer Loans
    Refinance Loans
    15, 20, 30, 40, 50 Year Loans
    Fixed Rate Loans
    Adjustable Rate Loans
    Jumbo Loans
    Cash Out Refinance Loans
    Home Equity Line of Credit
    Construction Loans
    Hard Money & Hard Equity Loans
    Foreclosure Bail Out Loans
    Stated Income Loans
    Self-Employed Loans
    No Doc Loans
    80/20 Loans
    90/10 Loans
    100% Financing
    FHA Loans
    VA Loans
    Purchase - Refinance - Build

    Did you know that 90% of all real estate transactions involve financing?  It's true, and it is also a great place to start your real estate buying process.  By starting with a mortgage prequalification or preapproval, you save yourself time in knowing that you're already looking in the right price range.  In addition, once you find the home you want, your negotiating position is stronger when you submit a mortgage qualification letter with your offer.

    Do You Have an Adjustable Rate Mortgage that is Going Up and Increasing Your Payments?
    No Problem - We Can Help!

    We have a variety of mortgage loans that can help you lower your payments,
     lower your interest rate, fix your interest rate,
    and/or help you take cash out of the equity in your property. 

    Refinancing is Easy - Apply Online to get started today.

    Mainland Mortgage Corporation
    has built a strong reputation as an outstanding correspondent mortgage lender serving the lending needs of real estate professionals, builders and individual homebuyers throughout Florida.

    We're a full service correspondent mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs - to meet our clients' unique needs. But that's just the beginning of our service. Throughout the lending process we provide regular loan updates and progress reports so clients always know the status of their loan. 

    And, now it's our pleasure to offer all of our exceptional mortgage services online. Through Mainland Mortgage Corporation you not only have access to the best loans available in the marketplace, but you can review loan alternatives, and even apply for your loan, at your convenience, online - 24 hours a day.

    Thank you for visiting our web site. We look forward to putting our mortgage service to work for you!


    Are You PreApproved?

    Find out with a 15-minute Free Phone Call

    Mainland Mortgage
    Phone: 786-417-4910
    Apply Online

    Already have your preapproval
    Tell Us What You're Looking For

    Apply for Your Mortgage Online

    Click here to access these Loan Calulators
    Payment/Amortization

    This calculator allows you to figure out your monthly payment for fixed-rate or adjustable-rate loans. It also allows you to calculate the breakdown between principal and interest in payments over the loan term.
    Rent vs. Own

    This calculator allows you to calculate the difference between renting a property and buying a home.
    Calculate Annual Percentage Rate (A.P.R.)

    This calculator allows you to calculate A.P.R. for fixed-rate or adjustable-rate loans, as defined by the Federal Truth In Lending Act.
    Debt Consolidation

    This calculator helps you to figure out if you can consolidate your debt by lowering the monthly payment, or pay off debts sooner.
    Prepayment Savings

    This calculator helps you to determine how soon you can pay off your mortgage by making a prepayment, or how much prepayment you should make by shortening the time to pay off your mortgage.

    Early Payoff Calculator

    This calculator will assist you in determining the amount of additional principal payments needed per month to payoff the loan in a shorter period of time.

    Refinance Break-Even Point

    This calculator will help you determine the length of time until "breakeven" on a refinance loan, factoring in the new interest rate and closing costs.

    Tax Savings

    Based on the loan amount, interest rate, federal tax rate, and other entries, this calculator will determine the estimated tax savings of a period of years if the transaction is completed.



    Apply for Your Mortgage Online


    Frequently Asked Questions about Mortgages and Financing

     
    Questions for first-time home buyers:
      What can I afford to buy?
    Each buyer is unique — and we'll help you find out just what you can afford. Your income and your debts will typically play the biggest roles in determining your price range. It's simple to make an estimate, just run the numbers for yourself using our Affordability Calculator.
      Do I have enough money to buy my first home?
    We offer a range of mortgage programs, and we'll help you determine which can work for you — some of our loans require little money down. You'll also need to consider closing costs and the escrow account for taxes and insurance. But don't get overwhelmed: it's a snap to figure out how much money you'll need, using our handy Affordability Calculator.
      What about my less-than-perfect credit report?
    Our special solutions program can help:
    We offer loan options ideal for those who have a few "dings" on their credit report.
    We try to work with every customer to develop an individual mortgage program - we call it your personalized rate, because no two are alike.
    So we try to develop a custom program based on your credit worthiness.
      What's the best loan program for me?
    That depends on a number of factors, including:
    How long you'll stay in the home;
    How much money you'll put down;
    How you'll finance the closing costs.
    We will provide a free mortgage consultation and present you with several options.  We will help you determine which loan program is the best one for your personal situation.

      What are the tax benefits to owning a home?
    You may be able to deduct the interest you pay on the mortgage loan and some of the financing costs of the home, such as points. And your property taxes could be deductible. You should consult your tax advisor for more information. If you're renting right now, you may want to take a look at our Rent vs. Buy Calculator.
      What do I need to know about the mortgage loan process?
    Just this — you've come to the right place for a loan process that's fast, clear, and even fun! We've worked hard to simplify the process and provide the best loan experience anywhere, online or off. Too good to be true? Not at all. Click here to find out How We Do It.
      What can I expect after I become a homeowner?
    Besides unpacking boxes? You can expect that we'll continue to provide first-rate support and service. Go online anytime to monitor your loan activity, like principal, escrow, and taxes. And of course, we're always here to help: contact us by email or by phone.


      Questions for Repeat/Experienced Buyers:
      I want to move up to a better home. What can I afford?
    Each buyer is unique — and we'll help you find out just what you can afford. You already know that monthly income and financial obligations are most important in determining your price range. It's simple to make an estimate: just run the numbers for yourself using our Affordability Calculator.
      I'm buying a second home. Is it a different process?
    No. Whether you need to be near the water or in the mountains, a vacation home offers an opportunity for fun and relaxation — and we make it just as easy to obtain a mortgage. But keep in mind you'll need to identify sources for your down payment, since you're not selling your current house and using the proceeds, and you'll need to expect a larger monthly obligation for housing expenses. We'll work with you to create a customized loan program with the best combination of rate, points, and closing costs for your needs — we call it our personalized rate because no two are alike!
      What about my less-than-perfect credit report?
    Our special solutions program can help:
    We offer loan options ideal for those who have a few "dings" on their credit report.
    We try to work with every customer to develop an individual mortgage program - we call it your personalized rate, because no two are alike.
    So we try to develop a custom program based on your credit worthiness.
      Will I need an appraisal on my new home?
    Not necessarily. You may qualify for a more streamlined loan process. We can look at your credit history and consult our property assessment model to determine if we can complete your loan application without an appraisal.
      Do I have to pay Private Mortgage Insurance (PMI)?
    Our loan programs for down payments of 20% or less do not require you to purchase Private Mortgage Insurance (PMI). Instead, we have a Low Down Payment Rate Adjustment that is added to the interest rate. In most cases, it will cost less than PMI and, if you itemize deductions on your taxes, this may provide you with an additional tax deduction opportunity. Please consult your tax advisor.
      What if I don't sell my current house?
    You may qualify for a new loan without even selling your current home. We'll help you determine what might work for you. It's simple to run the numbers for yourself on our handy Affordability Calculator. You may also want to discuss a bridge loan — give us a call at 786-417-4910.
      What if I'm building a home?
    If you are working with a builder within a sub-division or development and just making carpeting, lighting and appliance selections for a brand-new home, you can probably obtain a standard mortgage loan. But if you're hiring contractors, electricians, plumbers, and painters, you probably need a construction loan, which provides funds to pay subcontractors as work progresses. For more information on construction loans, give us a call at 786-417-4910.
      Questions for Refinancers:
      Is now the time to refinance?
    Each homeowner is unique — and we'll help you determine if it's the right time for you to refinance. Effective refinancing typically means lowering your current mortgage loan rate by at least one percent. You might also want to consider changing the length of your loan or receiving cash from the equity in your house. It's simple to see what will work for you, just run the numbers for yourself using our Refinance Calculator.
      Is refinancing the best choice for my financial goals?
    If you want to increase cash flow, refinancing to lower your monthly payment could help. See what will work for you using our Refinance Calculator.
      Can I reduce my monthly payment if I refinance?
    Quite possibly. To get a good idea of what your new monthly payment would be, use our Refinance Calculator.  If you presently have an Adjustable Rate Mortgage (ARM) and your rate is getting ready to reset to a higher rate, we may very well be able to help you lower your payment.  In the worst case, we can get you a fixed rate so you don't have to worry about your payments increasing in the future!
      Can I shorten the loan term if I refinance?
    Yes, as long as you qualify. For instance, you may be able to reduce your mortgage loan term from 30 years to 15 years.
      Can I refinance and use the cash for an addition to my home?
    Absolutely. Many people borrow against the equity in their homes to make improvements.

      How much of my home equity can I use?
    Up to 90 percent of the appraised value of your home can be used to make home improvements. The equity you can use is based on the value of the home and what you currently owe, subject to applicable state laws.
      Can I still refinance even if I don't have much equity?
    Yes, up to 90 percent loan-to-value (LTV) if you want to refinance your house for a new rate and term. A reappraisal of your property may be required.
      What will it cost me to refinance?
    You will have closing costs associated with refinancing your loan, including points and processing fees. You may have the option of rolling these costs into the loan amount to reduce your cash out of pocket. To evaluate your options, use our Refinance Calculator.

    Call today for your quick preapproval:
    786-417-4910
    Apply for Your Mortgage Online

    Already have your preapproval?

    Tell Us What You're Looking For and We'll Help You Find Your Next Home
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    Contact Information:
     
    Branon A. Edwards, e-PRO
    Licensed Florida Mortgage Broker
    Licensed Florida Real Estate Broker

    Branon Direct: 786-417-4910
    Branon@InvestFloridaRealty.com

    Private Fax: 
    786-524-5747
    Office Contact Information:

    Mainland Mortgage Corporation
    2803 E Commercial Blvd., Suite 210
    Fort Lauderdale, FL 33308 USA


    Aqualand Realty, Inc
    8359 Stringfellow Road
    Saint James City, FL 33956 USA

    Copyright 2004-2007.  All rights reserved.  Branon A. Edwards, Hollywood, Florida.
    Realtor is a registered trademark of the National Association of Realtors.
    Aqualand Realty, Inc is a Licensed Florida Real Estate Brokerage.
    Mainland Mortgage Corporation is a Licensed Florida Correspondent Lender.
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    Branon A. Edwards is a licensed Florida Mortgage Broker and licensed Florida Real Estate Broker.

    Disclaimer:
    The property information herein is derived from various sources that may include, but not be limited to, county records and the Multiple Listing Service. Although the information is believed to be accurate, it is not warranted, and you should not rely upon it without personal verification.