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  Purchasing
This is the most important decision of your life and one that can be just as rewarding or just as painful. The first step in purchasing a home, even before finding the home, is contacting a trusted mortgage company to prequalify you and have the paperwork ready to go once you find your dream home. The reason is that if you wait to talk to a mortgage company, then when you find a truly “good deal”, chances are you aren’t the only one looking at that property. South Florida is full of aggressive investors and savvy home buyers, ready to snatch that house from under your feet, if you aren’t ready. Matter of fact, you will be competing with other buyers when you find a “good deal”, so you have to be prepared. Another reason why it is important to find a trusted mortgage company is that they will help you prepare your finances, improve your credit scores and match you with the best lender for your needs, at the lowest rate possible. Some mortgage brokers promise you an incredibly low rate, but they don’t secure it, then when it’s time to close the deal, they jack up the rate and increase their fees. We don’t believe in this practice and pride ourselves in recurring business. We will even give you references to some of our satisfied clients or you can contact us and we will be happy to answer any of your questions.

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  Refinancing
People refinance for different reasons; to get a lower rate, consolidate their bills or to take cash out. The goal with each is to improve your return, whether it be the lowest interest rate or maximum return; regardless, it is important to find a hard working, trusted and local mortgage broker. For example, if you are refinancing to get cash out or consolidate your bills, you are going to have to maximize your return and how you do this is by improving your credit and finding a high value “comp” ( comparison or recent local sale of a home similar to yours in your area). This is why a local mortgage company is your best option; they live in your area and know where to find the “high comps” to value your house against. The next reason is that they know how to improve the value of your home when you do have it inspected, and which inspectors give you the highest returns. Finally, they are able to meet with you face to face, to help get your finances/debts in order to lower your credit. These key assets will secure you a high return or lower interest rate. Please feel free to contact us if you have any other questions.

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