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Your Mortgage Lender in St. Augustine, Florida

Are you in the market for a new home in St. Augustine, Flagler Beach, Palm Coast, Ponte Vedra Beach, St. Johns area? If so, finding a dependable mortgage company plays a crucial role in securing the home loan you need to buy the home of your dreams.

If you are a first-time homebuyer, the chances are good that you have several questions about how the lending process works. We’re here to answer your questions.

Get Prequalified to Jump-Start Your Search

Getting a prequalification for your home purchase is a critical element in the loan process. When prequalifying for a loan, this serves as an estimate for the amount you might expect to get approved for a home loan once formal paperwork gets filed with lenders.

During this step of the loan process, you’ll work with our experienced loan professionals who will evaluate multiple aspects of your finances and credit report to determine eligibility for a home loan.

Loan prequalification is advantageous for many reasons. If you’re thinking about purchasing a home, this helps to prove to home sellers, agents, or realtors that you have a high chance of getting the house loan needed to close the deal.

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The Mortgage Application Process

After prequalification, the next step is formally applying for the home loan. While a prequalification gives you a good idea of what amount of money you might expect to get approved for, it isn’t a promise of loan approval.

During this step of the home loan process, you will need to submit legal forms, including your W2 forms, tax returns, savings, checking, and investment accounts. Additionally, the mortgage company will run and review your credit report. After collecting and examining these documents, the loan officer will turn the application over for processing through the underwriting department.

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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.

What Does an Underwriter Do?

Underwriters are responsible for verifying assets, checking credit scores, and confirming tax returns before your home loan gets approved. In some cases, this loan process can get completed in as few as a couple of days. However, this step in the loan process can take as long as a business week.

Once the underwriter clears the way for approval, you can browse potential new homes with even more confidence knowing that you have the financing in place to pay for the home purchase. You’ll also likely find that real estate agents and realtors are more willing to work with you to find you the perfect property.

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

Loans We Offer

Buying a new home when fixed rates are low helps to keep your mortgage payment at an affordable price. At CFI, we offer a broad range of home loan services to help our customers meet their objectives. Just to name a few:

● Home refi loans: People who already own a home and wish to take advantage of low fixed rates might consider refinancing their homes. Refinancing is a favorable way to consolidate higher interest rate credit cards, to pay off balances, or to change the terms of your mortgage loan to a shorter time.
● Home improvement loans: Home improvement loans with a fixed or variable rate provide homeowners with the funding they need to upgrade their existing homes with renovations or other types of required improvements. If your home needs a new roof or a different kind of expensive upgrade, a home improvement loan helps you to access the funds you need to make the repairs.
● Reverse mortgages: Reverse Mortgage loans are also available through CFI. To qualify, homeowners must be over the age of 62, and the home must hold equity. A reverse mortgage offers a way to tap into the cash equity of the house without paying extra taxes, which can be very helpful for people who live on a fixed income.

We also offer conventional mortgages, USDA loans, VA loans, adjustable-rate mortgages, jumbo loans, and other programs to fit a variety of situations and needs.

If you have residential financing needs in the St. Augustine area, contact us today! We offer an easy online application process and excellent customer service. We look forward to helping you get the mortgage that’s best for you.

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