The Dan O'Brien | Emerald Mortgage Partners Team is your premier mortgage team located in Lake Mary, Florida. We pride ourselves on offering some of the most competitive rates nationwide and making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area. Dan made a big career decision in 1998 leaving The Golf Channel Production team for an opportunity in the mortgage business.
Since then, he has helped hundreds of families realize their dream of home ownership. Now as a part of Dan O'Brien | Emerald Mortgage Partners, Dan continues to assist clients with his expertise in residential and commercial lending as well as advising on life insurance and financial planning.
Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.We are located in Lake Mary and work with clients in the surrounding area including Sanford, Lake Mary, Longwood, Orlando and the entire state of Florida.
Since then, he has helped hundreds of families realize their dream of home ownership. Now as a part of Dan O'Brien | Emerald Mortgage Partners, Dan continues to assist clients with his expertise in residential and commercial lending as well as advising on life insurance and financial planning.
Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.We are located in Lake Mary and work with clients in the surrounding area including Sanford, Lake Mary, Longwood, Orlando and the entire state of Florida.
Services
Dan O'Brien | Emerald Mortgage Partners was established with one mission in mind: Making the tedious and complicated process of mortgage and lending simpler, easy to understand and straightforward.
Taking it one step further, EFP also not only provides the knowledge and expertise during, but also after the sale, to ensure your loved ones and valuables are protected and secure.
EFP is committed to providing quality financial planning and mortgage financing services for qualified individuals and families.
Taking it one step further, EFP also not only provides the knowledge and expertise during, but also after the sale, to ensure your loved ones and valuables are protected and secure.
EFP is committed to providing quality financial planning and mortgage financing services for qualified individuals and families.
Conventional loans are mortgage loans offered by non-government sponsored lenders.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac.
FHA loans are an attractive option, especially for first-time homeowners because it is insured by the Federal Housing Administration (FHA).
Primarily, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Typically the borrower can be approved with 3.5% down vs 20% that is required on other loan programs.
If you are looking to purchase your first home or refinance your current mortgage at a lower rate Dan O'Brien | Emerald Mortgage Partners can help.
Primarily, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Typically the borrower can be approved with 3.5% down vs 20% that is required on other loan programs.
If you are looking to purchase your first home or refinance your current mortgage at a lower rate Dan O'Brien | Emerald Mortgage Partners can help.
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits.
Rates on jumbo loans are typically higher than conforming loans.
Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes.
Typically Jumbo Loans require a higher down payment than traditional loans.
Jumbo loans exceed the loan limit of conforming loans, which is $424,100 in most areas.
If you live in a high-cost area, the conforming loan limit is $636,150.
Rates on jumbo loans are typically higher than conforming loans.
Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes.
Typically Jumbo Loans require a higher down payment than traditional loans.
Jumbo loans exceed the loan limit of conforming loans, which is $424,100 in most areas.
If you live in a high-cost area, the conforming loan limit is $636,150.
When you refinance, you pay off your existing mortgage and create a new one.
You may even decide to combine both a primary mortgage and a second mortgage into a new loan with a refinance.
Refinancing may remind you of what you went through in obtaining your original mortgage, since you may encounter many of the same procedures-and the same types of costs-the second time around.
Dan O'Brien with Dan O'Brien | Emerald Mortgage Partners is happy to help his clients with a home purchase or refinance in Lake Mary, Orlando, Winter Park, Sanford, as well as the whole state of Florida.
You may even decide to combine both a primary mortgage and a second mortgage into a new loan with a refinance.
Refinancing may remind you of what you went through in obtaining your original mortgage, since you may encounter many of the same procedures-and the same types of costs-the second time around.
Dan O'Brien with Dan O'Brien | Emerald Mortgage Partners is happy to help his clients with a home purchase or refinance in Lake Mary, Orlando, Winter Park, Sanford, as well as the whole state of Florida.
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