Don't go shopping for a new home before you know exactly how much you can afford! You might have a general idea of how large of a monthly mortgage payment you can afford in your next Central Florida home, but will the mortgage company and underwriters feel otherwise? It's always best to pre-qualify for a mortgage in Central Florida so you know exactly how much a financial institution would be willing to lend you.
Be prepared for your next home purchase. Get Pre-Qualified with Butler Mortgage! Are you thinking you're not getting any younger and you still can't afford to actually buy a home? Well think again. The USDA home loan program offers you zero down payment, lowest monthly installments and the lowest possible rates compared to other home loans. Why is the USDA home loan a top choice among first time home buyers and those looking to refinance?
We apologize, but currently our license only allows us to assist clients looking to purchase or refinance in the state of Florida.
Be prepared for your next home purchase. Get Pre-Qualified with Butler Mortgage! Are you thinking you're not getting any younger and you still can't afford to actually buy a home? Well think again. The USDA home loan program offers you zero down payment, lowest monthly installments and the lowest possible rates compared to other home loans. Why is the USDA home loan a top choice among first time home buyers and those looking to refinance?
We apologize, but currently our license only allows us to assist clients looking to purchase or refinance in the state of Florida.
Services
Butler Mortgage was established in 1994 to serve the residential mortgage lending needs of the people of St. Cloud, Kissimmee, Harmony, Lake Nona and throughout Osceola and Orange counties.
We have had the pleasure and privilege to work with thousands of our neighbors, and have built deep roots as a trusted business in our community.
Over the years, we have expanded our reach and now assist customers throughout the state of Florida.
We apologize, but currently our license only allows us to assist clients looking to purchase or refinance in the state of Florida.
We have had the pleasure and privilege to work with thousands of our neighbors, and have built deep roots as a trusted business in our community.
Over the years, we have expanded our reach and now assist customers throughout the state of Florida.
We apologize, but currently our license only allows us to assist clients looking to purchase or refinance in the state of Florida.
Upon graduating from Babson College in Boston, Massachusetts in 1989, Howard settled in Central Florida and immediately went into banking.
After gaining valuable experience in the mortgage field, he started Butler Mortgage Inc. in 1994 along with Harry Urban.
Howard firmly believes in the concept of making every customer a "Raving Fan" by going above and beyond the level of service normally expected of someone in the mortgage business.
Howard handles day to day operations of Butler Mortgage, Inc. and is a longstanding member of the U.S. Chamber of Commerce as well as the Florida Association of Mortgage Professionals.
After gaining valuable experience in the mortgage field, he started Butler Mortgage Inc. in 1994 along with Harry Urban.
Howard firmly believes in the concept of making every customer a "Raving Fan" by going above and beyond the level of service normally expected of someone in the mortgage business.
Howard handles day to day operations of Butler Mortgage, Inc. and is a longstanding member of the U.S. Chamber of Commerce as well as the Florida Association of Mortgage Professionals.
Conventional mortgages are some of the most popular mortgage options on the market.
While they conform to the guidelines set forth by quasi-governmental agencies, Fannie Mae and Freddie Mac, they are neither insured nor guaranteed by the federal government.
Options for conventional (also called "conforming") mortgages include both fixed-rate and adjustable rate mortgages.
One of the most common types of loan programs, fixed-rate mortgages are structured or amortized, so they can be completely paid off by the end of the loan term or at any time without penalty.
While they conform to the guidelines set forth by quasi-governmental agencies, Fannie Mae and Freddie Mac, they are neither insured nor guaranteed by the federal government.
Options for conventional (also called "conforming") mortgages include both fixed-rate and adjustable rate mortgages.
One of the most common types of loan programs, fixed-rate mortgages are structured or amortized, so they can be completely paid off by the end of the loan term or at any time without penalty.
Available for single family and multifamily homes, FHA loans allow those who might not qualify for a conventional mortgage to obtain a loan, especially first-time home buyers.
These loans offer low minimum down payments, reasonable credit expectations, and a higher tolerance for debt to income ratio requirements.
FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA).
Because FHA loans protect lenders against any defaults on payments, they can sometimes offer lower interest rates to qualified FHA loan borrowers.
These loans offer low minimum down payments, reasonable credit expectations, and a higher tolerance for debt to income ratio requirements.
FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA).
Because FHA loans protect lenders against any defaults on payments, they can sometimes offer lower interest rates to qualified FHA loan borrowers.
A USDA loan (also called a Rural Development Loan) is a government insured home loan that allows you to purchase a home with NO Money Down.
USDA loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan.
USDA offers some of the lowest rates of any loan, and you will always have a fixed interest rate.
Credit Worthiness: When an underwriter reviews your credit history on a USDA loan the major thing they will be looking for is a history of paying your bills in a timely fashion.
USDA loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan.
USDA offers some of the lowest rates of any loan, and you will always have a fixed interest rate.
Credit Worthiness: When an underwriter reviews your credit history on a USDA loan the major thing they will be looking for is a history of paying your bills in a timely fashion.
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