As we watched the Space Shuttle Endeavor make it’s final piggy back flight from the Kennedy Space Center in Cape Canaveral to it’s final destination in Los Angeles this morning; I couldn’t help think about the amount of work that was required to accomplish the final goal of relocating Endeavor from one side of the US to the other.  There were NASA technicians who were responsible for Shuttle modifications as well as pairing the Shuttle with a 747 by means of the steel-structured MDD or Mate-Demate Device; and everyone involved with weather-related reports, overall operations, as well as the crane operators required once on the ground in California to remove Endeavor from the taxiing 747.  There’s a lot of excellence in professional processing to ensure success.  The same goes with obtaining a new FHA, VA or Fannie Mae/Freddie Mac Conventional loan here in Brevard County or anywhere in FL.

There are many steps that must fall together in order to reach your goal of closing on your next Brevard County Mortgage.

  • First is the experienced FL mortgage professional or loan officer.  Experienced professionals will be able to determine upfront whether you are prequalified and will provide insight to any factors that may need to be resolved prior to loan commitment.
  • Second, are the Processors.  This is very crucial to successful mortgage loan approvals.  The processor is responsible for reviewing all supporting documentation and ordering additional verifications or validations such as IRS transcripts, verification of employments, flood certifications, appraisals and more.  They are the ones that actually pre-underwrite the file,  make sure the underwriter has an organized make-sense file to review for approval, and work on a strict timetable to meet closing date expectations.
  • Last, of course, is the professional underwriting staff responsible for our mortgage loan commitments.  The underwriter reviews all income, asset, appraisals and pairs this information with the appropriate mortgage program chosen; FHA, VA, conventional, USDA, etc.
  • Don’t forget the importance of the professional FL Realtors, the Title Companies, appraisers, home inspectors, etc; all of whom make the entire process of FL home ownership possible.

I have always said that the best FL Mortgage lenders are those that employ top, experienced,  FL Mortgage Professionals as well as the best in mortgage loan Processing and Underwriting.  This is the true secret if you are wondering what separates each lender from one another.  Knowledge is powerful and it starts with experience.  If you are in the market or know someone seeking a new FL home mortgage; please feel free to call 407.733.6425 or email Stephen Thaggard.

Stephen Thaggard, NMLS 356309,  Sr Loan Officer, licensed in Florida,

Embrace Home Loans, NMLS 2184,  485 N Keller Road, Suite 550, Maitland, FL 32751