Inlanta Mortgage
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Our team has two full time offices serving Florida and Wisconsin. Yvette is an experienced Mortgage Consultant licensed in both states, and holds the distinguished designation of Certified Mortgage Planning Specialist, which requires rigorous education in mortgage tax planning. Since 1997, she has made readily available her imaginative, problem solving mortgage advice.

Advice crafted by my many experiences in good markets and bad as well as her extensive continued education. Whether you need advice on buying your first home, investment property lending, jumbo loan financing, or just need to understand what an adjustable rate mortgage could do for you in mortgage planning, the Yvette Clermont Team at Inlanta Mortgage are happy to help.

Even if you have had a credit challenge such as a recent bankruptcy, divorce or are currently in a non-conforming type mortgage, we can assist you with putting a plan in place that works for your individual needs when you are ready. We look forward to the opportunity to assist you or anyone you know who needs good mortgage advice!
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Team Clermont is lead by Yvette Clermont, CMB.
We have two offices staffed full time to serve our clients; one in Green Bay, Wisconsin and the other in Bradenton, Florida.
We always have coffee on at either location so feel free to stop in anytime!
Since 1997 our team has offered expert mortgage advice to a full range of clients from first time home buyers to savvy real estate investors.
Our team listens well, is extremely organized and understands the current rules and regulations to ensure a smooth path from application through closing.
A conventional loan generally refers to a mortgage loan that follows the guidelines of government sponsored enterprises (GSE's) like Fannie Mae or Freddie Mac.
Most mortgages are conventional mortgages.
Conventional mortgages can be fixed-rate or adjustable rate mortgages and typically have terms of 15 or 30 years.
Conventional mortgages can be conforming or non-conforming.
Conventional mortgage loans are ideal for borrowers with excellent credit who can afford a down payment of 3% or more.
FHA mortgage loans are very competitive loan programs.
It's never too early to get pre-approved and it's important to understand there is a difference between a Pre-Qualification and a Pre-Approval.
Requires a satisfactory review of financial documents and program requirements to issue final approval.
Provides proof to real estate agents and sellers you're pre-approved for a specific loan amount.
Having a full pre-approval early will not only give you buying and negotiating power as the parties to the transaction will know you are set to go, more importantly it will give you peace of mind knowing your price range is set.
What are FHA Mortgages?
FHA mortgage loans are very competitive loan programs.
FHA mortgages allow the homebuyer to put down as low as a 3.5% down payment AND have less than perfect credit.
Because the Federal Housing Authority insures your mortgage, Inlanta Mortgage may be more willing to give you loan terms that make it easier for you to qualify.
FHA Mortgage loans can be fixed-rate or adjustable rate mortgages, but the majority are fixed-rate mortgages.
FHA Mortgage loans require a mortgage insurance premium to be collected at closing (upfront MI) and an annual premium is collected in monthly installments.
Section 203(k) insurance enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.
Section 203(k) fills a unique and important need for homebuyers.
When buying a house that needs repair or modernization, homebuyers usually have to follow a complicated and costly process.
The interim acquisition and improvement loans often have relatively high interest rates, short repayment terms and a balloon payment.
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