Buy the Home of Your Dreams In Orlando

When you’re searching for mortgage lending for your home purchase, CFI offers straightforward and convenient loan programs to help you meet your needs. With a streamlined loan process, we strive to remove the complications and confusion that often comes into play when getting a home loan for a property in Orlando, Florida.

2484 W SR 434, STE 200, Longwood, FL 32779

ewade@cfimortgage.com
(407) 960-3808
(407) 951-7813

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How the Loan Process Works

Our loan process starts with prequalification. During the prequalification process, we work with you to gather all the required documents to determine the size of the home loan. Criteria we use to determine this amount include factors such as your monthly income, your outstanding debt, and your employment status.

While there are no firm rules for getting approved for home loans, for best results, a history of steady employment and a favorable credit score go a long way to help secure the funding for your new home purchase. At CFI, we work with each client on a personal level to provide the financing for a home purchase. We’re an Orlando mortgage company that cares!

During the prequalification process, our loan officers are happy to explore and to explain programs that could be available to you, including programs for first-time homebuyers and veterans.

It’s worth noting that getting a prequalification for a home loan isn’t a formal agreement to purchase a home. Instead, it serves as a basic guideline that saves you time when looking for homes. With a home loan prequalification in hand, you can search residences that are within your budget with more confidence.

Without a prequalification for a home loan program, you could spend time viewing properties that are too expensive, which is a poor use of time for not only you but also for the agents, realtors, and other real estate professionals involved in your purchase of a home.

While expected times for prequalification may vary, at CFI, we do our best to prioritize applications and to process them promptly so that our clients can move to the next phase of the home buying process.

We Simplify Home Lending

Applicants who get prequalified and who agree to the terms then move to the next step in the mortgage loan process. During this step, formal documents must be submitted for further review and approval. Depending on your employment status and situation, types of information gathered and reviewed could include W2 forms, tax returns, bank statements, retirement or IRA documents, and investment account statements. We’ll also review credit reports and credit scores. During the formal application process, we’ll finalize the exact details of the total loan amount so that our clients can continue on their home purchase journey with confidence knowing they’ve secured the amount needed to buy the home of their choice.

Types of CFI Mortgage Loans in Orlando

At CFI, we offer a full range of home and mortgage financing solutions. Types of loans that CFI provides include:

First Time Homebuyer Loans

Let us help you make buying your first time home a stress-free experience. Our mortgage professionals help first-time homebuyers through all steps of the purchase process so you never have to go it alone. Benefits of the first-time homebuyer programs include:

Low or no down payment
Closing cost or down payment assistance
Federal tax credits

VA Programs

VA programs assist veterans in buying their dream homes in the Orlando, Florida, area. Benefits of VA programs include:

No PMI (Private Mortgage Insurance
Lower interest rates
No prepayment penalties

Home Loan Refinancing

Mortgage refinancing services provided by CFI help existing homeowners realign their finances with competitive interest rates. Some of unique benefits of refinancing are:

More favorable mortgage rates
Debt consolidation
Money borrowing
A shorter loan term
Getting rid of PMI (Private Mortgage Insurance)

CFI helps you to lower your monthly payment or secure a more favorable fixed rate for your mortgage.

Reverse Mortgages

Are you searching for a way to release some of the cash value in your home? If you’re age 62 or older, a reverse mortgage provides a way to tap into the existing equity of your home without paying taxes.

Other Homebuyers Programs

CFI is happy to work with clients to offer a variety of homebuyers programs to make purchasing a new home more affordable and flexible.

Get in Touch With Us for All Your Mortgage Financing Needs

Regardless of whether you’re interested in buying your first new home, refinancing your current residence, or taking cash equity from your property, CFI is the mortgage lenders Orlando trusts. We’re here to help with all your home financing requirements, so get in touch with us today!

Need Help Crunching the Numbers?

Use our calculators to help you estimate how much you can afford on a new loan or what you could save with a refinance.