With Clint Christensen in Orlando, FL.
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Mortgage Lenders Cocoa

At Christensen Financial Inc., we use our extensive knowledge of the mortgage industry to streamline your home-buying experience in Cocoa, Florida. Our clients are treated like family while having access to the resources of larger mortgage lenders. With nearly 20 years in business, our company continues to grow nationally.

A Step-By-Step Guide to the Loan Process

While each loan program may vary slightly, here are eight basic steps that you can expect when you are securing a mortgage:

  1. Pre-qualification for the loans you are considering and the amount of money you need
  2. Analysis of mortgage rates to narrow down your loan selection
  3. Completion of a loan application with your trusted mortgage professional
  4. Collection of the required documents to finalize your loan application
  5. Application processing, where information about the borrower is verified by the lending agency
  6. Property appraisal
  7. Underwriting
  8. Closing

The number of loan programs available can be overwhelming, but we demystify your home loan options with simple yet thorough explanations. We will guide you through the options available, whether a government loan or a conventional loan best meets your needs.

Meet The Team

Conventional Mortgage Loans

Conventional loans are not insured by the federal government. Patterns in the borrower’s income, expenses and credit report are considered when determining qualification for a conventional loan. A down payment of 5 to 20 percent is typically required. Additionally, the interest rate is calculated based on the specific conventional loan program selected and the borrower’s credit score. At CFI, we can help you secure one of these conventional loans on your home purchase:

  • Fixed-rate loan
  • 30-year, fixed-rate mortgage
  • 15-year, fixed-rate mortgage
  • Adjustable-rate mortgage

Home Affordable Refinance Program, or HARP loan

Protect Your Home

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.

Government Mortgage Loan Programs

Government home-buying loans are touted as a flexible, affordable option for those who qualify. They may offer lower interest rates, flexible payment arrangements, and require a lower down payment compared to their conventional counterparts. At CFI, we can help you determine if you qualify for one of these government loan programs:

  • FHA Loans, for those who struggle to secure financing for a conventional loan.
  • VA Loans, providing assistance to those who have bravely served our country.
  • USDA Loans, focusing on rural and suburban home purchases.
  • HARP 2.0 refinance options.
  • FHA 203K Home Improvement Loans.
  • State and local government loan assistance.
  • FNMA Homestyle Loans for home improvement purposes.

Download Our Mobile App

Are you the hands-on type? Get involved with your loan transaction in a whole new way with our powerful, simple to use mobile app.

* Available on iPhone, iPad and all Android devices from 5.5
CFI Mobile App

Other Types of Mortgage Loans Available

If you have your sights set on a high-priced home, talk to us about our Jumbo Loan programs. These programs are designed with the flexibility to get you into the home of your dreams. Our Jumbo Loans feature:

  • Down payment requirements of as little as 20 percent.
  • Interest-only options for a fixed amount of time at the beginning of the loan.
  • Higher debt-to-income ratios than other loans.
  • The ability of non-occupying individuals to co-sign your loan.

Construction to permanent loans, or CP loans, streamline new construction financing. Rather than securing separate construction and mortgage loans, this program weaves both loan types into one package. This reduces overall borrower fees and eliminates the need for two closings and a requalification process.

CFI is a leading mortgage lender in Cocoa, FL, and many other areas. Let us help you secure a mortgage for your new Space Coast home that makes personal and financial sense. We offer the same programs as larger companies, delivered with a personal touch. Contact us today to get started.

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