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  • Palm City

    772-283-2077 NMLS #353429
  • Key Largo

    305-517-8140 NMLS #379090
  • Author Archives: EC Mortgage Lenders

    Video: Summertime Tips for Home Staging...

    Getting ready to sell your home this Summer? Staging is an all-important factor, as first impressions are the most memorable. Watch this video for helpful advise on giving your potential buyers a perfect first-look. Are you ready to sell? It’s a buyer’s market and the time is now! Contact our team to get your home […]

    Interest Rate vs APR or Annual Percentag...

    When borrowing money to secure a property many people are confused of the differences between Interest Rate and APR or Annual Percentage Rate. We tell people when explaining the Truth In Lending statement in their document set that the APR is the reality of what you will pay to borrow the money. A lender isn’t […]

    How Does My Credit Score Effect Home Pur...

    It’s a tough pill to swallow, but most Americans have mediocre credit scores, and chances are good that you’re one of them. You might not even know what your credit score is-if that’s the case, you’ll want to find out, pronto. Your credit score is a numerical value placed on your credit-worthiness, or how likely […]

    What is PMI, and do I need to pay it?...

    Picture it: You’ve been working diligently on saving for your new home, and you’ve found the home of your dreams, but no matter what you do, your savings still won’t add up to the 20% down payment you need. It’s a terrifying idea, that you won’t get your fabulous home because you’re just a little […]

    What does it mean if your home is in a &...

    One thing many new homeowners overlook is whether or not their potential new home is in a flood zone. Many probably don’t even know what that term, “flood zone”, actually means and how it affects them. The Federal Emergency Management Agency, or FEMA, has a list of varying designations for different levels of flood risk. […]

    What do I need to get started on the hom...

    Getting started in the home buying game is easily overwhelming. There are a multitude of factors that go into financing the right house, not to mention finding it in the first place, and after that you have to figure out how you’re going to move from your current residence into your new one… Hopefully this […]

    This just in – Mortgage Rates are ...

    It’s not easy to predict mortgage rates. Much like the stock market, the ebb and flow of rates can alter in a moment, leaving many wondering how and why they change at all. Fortunately, the trend seems to be moving downward, ushering in a new lower mortgage rate for home buyers. This helps increase buying […]

    Am I ready to start the home-buying proc...

    Getting started in the home buying game is easily overwhelming. There are a multitude of factors that go into financing the right house, not to mention finding it in the first place, and after that you have to figure out how you’re going to move from your current residence into your new one… Hopefully this […]

    All About VA Loans...

    Buying a home with a low income can be tricky and stressful. As mentioned in a previous post, there are several low- or no cost down-payment loan programs available to those living with a fixed income, or like so many people, living paycheck to paycheck. There is yet another option, this one specifically available to […]

    Can you buy a home if you don’t ha...

    Buying your first home is stressful enough, but coming up with the recommended 20% down payment on a low income? That’s downright terrifying. Many folks these days currently rent AND live paycheck to paycheck, so when you decided to start looking for a place of your very own, it’s important to understand the different mortgage […]