Our Services
Hard Money Mortage Loans
Hard money loans provided by Lord Mortgage & Loan are based on the value of the property rather than the borrower’s credit history. These loans are typically short-term (ranging from months to a few years) and are used primarily by real estate investors looking to finance the purchase or renovation of properties that may not qualify for traditional financing. They offer quick access to funds with less stringent credit requirements, making them ideal for investors who need rapid financing to take advantage of investment opportunities.
The services provided by Lord Mortgage & Loan are designed to meet the specific needs and goals of their clients in Florida.
FHA
FHA loans are insured by the Federal Housing Administration and are popular among first-time homebuyers and those with limited down payment funds or lower credit scores. Lord Mortgage & Loan facilitates FHA loans, helping clients navigate the application process and secure favorable terms such as low-down payments (as low as 3.5%) and competitive interest rates. FHA loans also allow for higher debt-to-income ratios than conventional loans, making homeownership more accessible for many borrowers.
The services provided by Lord Mortgage & Loan are designed to meet the specific needs and goals of their clients in Florida.
VA
VA loans are available to eligible veterans, active-duty service members, and certain military spouses, guaranteed by the Department of Veterans Affairs. Lord Mortgage & Loan assists clients in obtaining VA loans, which offer significant benefits such as no down payment requirement, competitive interest rates, and no private mortgage insurance (PMI) premiums. VA loans also have flexible credit requirements and allow for financing of up to 100% of the home’s value, making them a valuable option for those who have served in the military.
The services provided by Lord Mortgage & Loan are designed to meet the specific needs and goals of their clients in Florida.
Conventional
Conventional loans are mortgage loans that are not insured or guaranteed by a government agency. Lord Mortgage & Loan offers conventional loans with fixed or adjustable interest rates and various term lengths. These loans typically require higher credit scores and larger down payments compared to FHA or VA loans but offer flexibility in terms of loan amounts and property types. They are suitable for borrowers with strong credit histories and stable incomes seeking competitive interest rates and predictable monthly payments.
The services provided by Lord Mortgage & Loan are designed to meet the specific needs and goals of their clients in Florida.
Investment Property Loans
Lord Mortgage & Loan provides financing options specifically tailored for investment properties, including rental homes, vacation properties, and commercial real estate. These loans may include options for fixed or adjustable rates, interest-only payments, and flexible terms to accommodate different investment strategies. Investors can use these loans to purchase new investment properties, refinance existing loans for better terms, or leverage equity for further investments.
The services provided by Lord Mortgage & Loan are designed to meet the specific needs and goals of their clients in Florida.
Owner Occupied Purpose Loans
Owner-occupied purpose loans are mortgage loans used to finance primary residences. Lord Mortgage & Loan assists homeowners in obtaining loans for purchasing new homes or refinancing existing mortgages to improve financial terms, such as lower interest rates or shorter loan terms. These loans are designed to meet the unique needs of homeowners who plan to occupy the property as their primary residence, offering competitive rates and personalized guidance throughout the loan process.
The services provided by Lord Mortgage & Loan are designed to meet the specific needs and goals of their clients in Florida.
Refinance
Refinancing involves replacing an existing mortgage with a new loan, typically to obtain better terms, lower interest rates, or access equity in the home. Lord Mortgage & Loan offers refinancing options tailored to meet individual financial goals, such as reducing monthly payments, consolidating debt, or funding home improvements. They guide clients through the refinancing process, evaluating current mortgage terms, credit profiles, and market conditions to identify opportunities for savings and improved financial outcomes.
The services provided by Lord Mortgage & Loan are designed to meet the specific needs and goals of their clients in Florida.
