Dora Cruz Your Local Mortgage Loan Officer

Dora Cruz Your Local Mortgage Loan Officer Hello folks I am your local mortgage loan originator who can help with your home mortgage and investment home loans. NMLS 2245339

Please feel free to reach out with ANY questions or inquiries big or small! Documents to get you ready to start the pre-approval process: Name, email, assets, last 2 paystubs of employment, and available for a 10-minute phone interview. Call for more information needed for your specific situation and loan product inquiry. MOR Investments LLC equal housing lender
NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
8902 North Dale Mabry Hwy Suite 117 Tampa FL 33614

Confused about which loan is right for you? Let me help you realize the differences between each type and choose the mos...
07/29/2024

Confused about which loan is right for you? Let me help you realize the differences between each type and choose the most reasonable option!
- Conventional Loans are ideal for borrowers with strong credit and the ability to make a significant down payment, offering flexible terms but higher credit and income requirements.
- FHA Loans are suitable for those with lower credit scores and smaller down payments, though they come with mandatory mortgage insurance premiums.
- VA Loans are excellent for eligible veterans and military personnel, offering no down payment and no PMI, but require a funding fee and meet eligibility criteria.
- USDA Loans benefit low-to-moderate-income borrowers in rural areas, with no down payment and low mortgage insurance costs, but come with geographic and income restrictions
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Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

Are you ready to get your dream home? 🏠 The market shifting towards being more balanced, despite higher interest rates, ...
07/25/2024

Are you ready to get your dream home? 🏠

The market shifting towards being more balanced, despite higher interest rates, makes it a good time to purchase a home.

We'll ensure to help you find a suitable rate when finding a mortgage with the price and terms that work for you. Are you ready to take the next step? Let’s get started!
____________________________________________
Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

✅ Do Keep Your Finances Stable: Avoid making large purchases or opening new credit accounts before closing on your home...
07/22/2024

✅ Do Keep Your Finances Stable: Avoid making large purchases or opening new credit accounts before closing on your home, as this can affect your mortgage approval.
❌ Don't Change Jobs Before Closing: Changing jobs can affect your mortgage approval. Lenders prefer stability, so it's best to wait until after closing to make any career moves.
____________________________________________
Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

Myth and Fact that may surprise you: Myth: It takes 30 years to pay off my mortgageFact: You can pay extra every month s...
07/18/2024

Myth and Fact that may surprise you:
Myth: It takes 30 years to pay off my mortgage
Fact: You can pay extra every month so that you can pay off your mortgage faster. Due to the Compound Interest calculation (interest earns interest), your savings are substantially more than you expected.
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Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

If you are interested in buying a house, you might want to consider attending an open house event. An open house allows ...
07/15/2024

If you are interested in buying a house, you might want to consider attending an open house event.

An open house allows you to explore different properties at your own pace, without any pressure from the sellers or agents.

Here are ten questions that you should ask the listing agent before you make an offer:

https://www.loanfactory.com/learn-center-article?n=10-common-questions-to-always-ask-the-listing-agent-at-an-open-house
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Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

Just imagine opening the door to your new home and stepping into a world of possibilities.Hundreds of questions will als...
07/11/2024

Just imagine opening the door to your new home and stepping into a world of possibilities.

Hundreds of questions will also pop into your head, one after the other. How would you decorate it? What memories would you create there? How would you feel every day?

Don't hesitate any longer – your dream home is waiting for you!
____________________________________________
Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

Advice for First-Time Homebuyers:- Before you begin your home search, get pre-approved. Find out how much you can pay.- ...
07/08/2024

Advice for First-Time Homebuyers:
- Before you begin your home search, get pre-approved. Find out how much you can pay.
- Make a budget that goes beyond the mortgage: Take insurance, maintenance, utilities, taxes, and insurance into account.
- Collaborate with a loan officer: To assist you in discovering the most affordable rate, an expert agent can walk you through the process.
____________________________________________
Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

07/04/2024

Did you know that a Loan Officer undertakes the math to figure out what options are most beneficial to you when buying a home?

The simplest way to find out whether your loan officer is a good fit is to give them a short call! Get in touch with me right now for a free mortgage consultation!
____________________________________________
Dora Cruz - Guiding You on a Home Loan with Confidence
📞 (863) 605-4987
🌐 https://www.loanfactory.com/doracruz
📧 [email protected]
️🎯 NMLS: #2245339 | LOAN FACTORY CO-NMLS: #320841
✔ Licensed in FL

Celebrating the holidays with family and friends is exciting. But don't let a good time distract you from paying attenti...
12/05/2023

Celebrating the holidays with family and friends is exciting. But don't let a good time distract you from paying attention to potential mishaps in the home.

I don’t just service your loan. I work to get you in your home faster. Call today!
12/04/2023

I don’t just service your loan. I work to get you in your home faster. Call today!

Usually, self-employed people in the market for a mortgage have to provide extensive income documentation to qualify. Wi...
12/03/2023

Usually, self-employed people in the market for a mortgage have to provide extensive income documentation to qualify. With the Bank Statement Loans we offer, all you need now are bank statements! DM me today.

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Frostproof, FL
33843

Telephone

+18636054987

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