A mortgage is a financial product. It must be analyzed and put in context with the borrowers' overall financial situation. The needs of a first time home buyer are completely different from those of a family planning to put kids through college which in turn are much different than the needs of a person going through divorce. With more than 50 years of combined experience, the Mortgage Specialist Group are seasoned veteran professionals providing competent advice, guidance and strategies to our customers.
Not sure where to start? No worries! We're here to walk you through what happens from our first conversation to after you close your loan. We call it our Amazing Mortgage Process. You'll love working with us. Our clients get to sit back and let us do the heavy lifting. We do everything over the phone or online - and we'll even come to you for closing.
Whether you are looking for a Residential Loans, Commercial Loans or Hard Money Loan, contact us for all of your loan needs.
Not sure where to start? No worries! We're here to walk you through what happens from our first conversation to after you close your loan. We call it our Amazing Mortgage Process. You'll love working with us. Our clients get to sit back and let us do the heavy lifting. We do everything over the phone or online - and we'll even come to you for closing.
Whether you are looking for a Residential Loans, Commercial Loans or Hard Money Loan, contact us for all of your loan needs.
Services
Prior to joining Pioneer Mortgage Funding, Emmanuel was a Branch Area Manager at Paramount Residential Mortgage Group (PRMG) and BBVA Compass Bank.
His mortgage career started in 1998 at Washington Mutual Bank, followed by Countrywide Home Loans as a Branch Manager.
He has also worked at PNC Bank as a Private Client Loan Advisor for their Wealth Management Division.
Emmanuel has earned multiple awards throughout his career, including president's club and gold start top producer.
Emmanuel Fajardo (NMLS # 890310) has over 20+ years in experience.
His mortgage career started in 1998 at Washington Mutual Bank, followed by Countrywide Home Loans as a Branch Manager.
He has also worked at PNC Bank as a Private Client Loan Advisor for their Wealth Management Division.
Emmanuel has earned multiple awards throughout his career, including president's club and gold start top producer.
Emmanuel Fajardo (NMLS # 890310) has over 20+ years in experience.
A conventional fixed rate mortgage can be assured with loan terms up to 30 years.
A minimum of 3% down payment is required for first time home buyers seeking to purchase a primary residence.
If you have had ownership interest in a property in the past 3 years the minimum borrower contribution on a primary residence is 5%.
Borrowers can finance up to $417,000 for one unit property.
Loan maximums are higher for 2-4 family properties and properties located in Monroe and Collier Counties.
It is a common misconception that an FHA loan is strictly for first time home buyers.
A minimum of 3% down payment is required for first time home buyers seeking to purchase a primary residence.
If you have had ownership interest in a property in the past 3 years the minimum borrower contribution on a primary residence is 5%.
Borrowers can finance up to $417,000 for one unit property.
Loan maximums are higher for 2-4 family properties and properties located in Monroe and Collier Counties.
It is a common misconception that an FHA loan is strictly for first time home buyers.
The loan process starts with you.
Some of our clients prefer a digital experience (applying online or on their mobile devices), others prefer mortgage advice and/or personalized care.
The Mortgage Specialist Group will accommodate you no matter your choice.
Let us know your preferred option (how you want to be contacted).
We can chat, email, talk on the phone or meet in person.
If you want guidance, once we connect, we'll match you with your Home Loan Expert.
They will be your go-to person and your guide through the mortgage process.
Some of our clients prefer a digital experience (applying online or on their mobile devices), others prefer mortgage advice and/or personalized care.
The Mortgage Specialist Group will accommodate you no matter your choice.
Let us know your preferred option (how you want to be contacted).
We can chat, email, talk on the phone or meet in person.
If you want guidance, once we connect, we'll match you with your Home Loan Expert.
They will be your go-to person and your guide through the mortgage process.
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