Michael Bergmann NMLS #448031

Michael Bergmann NMLS #448031 Michael Bergmann NMLS #448031 | Loan Consultant This gave my borrower the ability to be empowered and educated throughout the process. All rights reserved.

I have been working in the mortgage industry since early 2010 when first moving to Florida from my origin of New Jersey. At the time I had no experience in the industry, but from the moment I began, the career became a great passion of mine. I rapidly became the top producer within the first 5 months as a mortgage originator and never swayed from the top. I strive to treat my clients the way I wan

t to be treated - educated and informed while performing with efficiency. I found that I filled a niche in providing my clients a full service in making a normally difficult process into a simple and smooth transaction. By keeping excellent rapport, explaining stages of the transaction in terms that best met my borrowers understanding. I have been known to use charts, graphs, amortization scales and other tools to compare different products to both first time borrowers and seasoned ones to turn a jumble of numbers and products into a simple decision. loanDepot.com, LLC, 26642 Towne Centre Drive, Foothill Ranch, CA 92610. NMLS #174457 (www.nmlsconsumeraccess.org). For more licensing information, please visit www.loanDepot.com/licensing.

10/10/2024

Many of us came out of this hurricane unscathed, but there are definitely those out there that could be flooded or otherwise unlivable. If that is the case, that person is eligible for a 203(H) FHA mortgage with 100% financing! With no down payment and closing costs from the seller - they can quickly make the move to a new construction home here in the area. Here are the requirements for proving a renter is in this situation:

Prior residence was rented requires:
o Proof of residence in the Disaster Area such as:
▪ Valid driver’s license or
▪ Voter registration or
▪ Utility bills

o Evidence prior residence was destroyed in Disaster Area
▪ Insurance claim or
▪ Inspection report by independent fee inspector or government agency or
▪ Conclusive photographic evidence of the destruction /damage

o Signed/dated letter from landlord confirming destruction and that borrower has been relieved of all future liabilities

If you or a client are in this situation - contact me today! 239-565-9998

08/12/2024

Proud to say yet another First time home buyer client of mine is clear to close 2 weeks in advance of closing. Relaxed clients, happy realtors, time to plan, time to pack, time to dream of your new chapter. This is what I do for my clients.

Imagine choosing a loan officer that tells you the day before closing you aren't moving tomorrow. Imagine your closing is delayed for weeks. Imagine they you told everything is great and 7 days before closing they say Oops, hey sorry but this isn't' going to work - with your dreams dashed and embarrassment to tell your friends and family. Or go running to them to beg for money or assistance.

Don't let this happen to you!

07/31/2024

Rates are now hitting their lowest levels since FEBRUARY! And Hometown Heroes is down to only 38 million dollars left! Builder incentives + DPA Money + Lowest Rates in 6 months = Happy First Time Home Buyers! But you have to move quick - get preapproved today and shop this weekend! This money will go fast!

07/16/2024

New Product Alert - No income/No DTI for primary or secondary homes! If you've got a client with low/no income but plenty of cash (20% minimum + reserves of 9-12 months post closing). Rates start in the 9s.

07/10/2024

Demand for Hometown Heroes - the FL state program that helps buyers buy homes with little to nothing out of pocket - has exploded! 27 million dollars reserved in just 6 business days.

My buyers, especially with new construction are coming to the table with only their deposit on the contract. Renting is first month + security deposit - it costs more upfront to RENT than with Hometown Heroes. If you or a client is looking to get into this program we can get you preapproved and see new homes as early as this weekend! 239-565-9998

07/08/2024

Hometown Heroes in just ONE week - down 23 MILLION dollars! Now, it shouldn't go down as quickly as there was a lot of pent up demand to lock for contracts closing earlier in July. But you can see how high of demand this program is in for nearly 1/4 of the 100 million dollars to already be accounted for. If you or a client want to get into a house for next to nothing this summer - lets get preapproved asap! Call me today!

06/24/2024

Ran a quote on a great value new construction home for a buyer making an offer - 369.9k New construction 4 bed 3 full bath just under 1800sqft in North Cape. Ran with the Hometown Heroes program and this buyer with 5k from the seller is bringing only $500 to the table to close this deal. Payment only at $2993 for this house built to accomodate a larger family! Let me know if you've got a buyer who wants a great value and next to no money down!

06/21/2024

Ran a quote for a buyer today in Cape Coral. New construction, $319k - using Hometown Heroes they can buy this home with the seller concessions offered for $0 out of pocket (or whatever the deposit is plus an appraisal). Payment $2500 all included taxes and insurance. We can use whatever the contract deposit is toward paying off a credit card!

Let me know if you have a buyer looking for an amazing deal!

06/17/2024

Submitting 3 Hometown Heroes loans with contracts today:
- Young couple, 344k builder contract, 15k closing costs paid, 3k deposit, using the 3k to pay a credit card, the rest goes to lower the loan amount by 6k.
- Young couple, 330k builder contract $7500 costs paid, buyer put 3k down for their deposit - using all of it to pay off their credit card and I have to lower their loan amount by $3k. $0 out of pocket to buy this house.
- Veteran, 340k 2021 home - $5000 deposit (contract required it), we're using all of it to simply pay off his credit cards. HTH covers everything with no seller closing costs paid - we even had to lower his loan amount by $6,000.

Let's get you a house and pay off your credit cards too!

06/05/2024

FL First Time Home Buyers: Hometown Heroes is almost here! I already have multiple contracts closing in July and August using this program. You do not need to wait until July - only about 5000 total families will be taking advantage of this program (20k average usage of 100 mil total). This money will be GONE by September (like last year). If you are even thinking of buying a home in the next few months - call me today! If your client is on the fence - lets talk! Buying a home for as little as your deposit on the contract (1-5k) is very real and the norm. Don't miss out!

05/15/2024

Another builder deal saved - Clear to close in 9 days after another broker told me “this file has gone through 3 different lenders - I’m afraid you’re dead in the water”.

Nope, this guy gets a home.

Are prices falling? You be the judge. Here's your median sale price of a traditional 3/2 single family home by City here...
05/10/2024

Are prices falling? You be the judge. Here's your median sale price of a traditional 3/2 single family home by City here in SWFL since 2019. We can see an obvious staggering growth into May of '22. Prices since then have followed the typical ebs and flows of our seasonal market with prices increasing in the Jan-May months and then downwards June-November. Part of this has been Hurricane Ian in 2022 - but also the peak interest rates for both 2022 and 2023 occurred in October.

Address

12800 University Drive, Suite 330
Fort Myers, FL
33907

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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