Floratos Group: Citywide Home Mortgage

08/05/2024

07/06/2023

Learn the Facts - Give me a call if you have any questions about how to finance your home purchase or refinance.

Nick Floratos | PRODUCING BRANCH MANAGER
🏢 Luminate Home Loans | Floratos-Shibata Group
📲 (𝟩𝟢𝟤) 332-9060 (call/text)
📧 [email protected]
NMLS #1301535

🌏 www.NickFloratos.com

06/08/2023

Reserves Are Required on some loans for any of the following reasons.

Nick Floratos | PRODUCING BRANCH MANAGER
🏢 Luminate Home Loans | Floratos-Shibata Group
📲 (𝟩𝟢𝟤) 332-9060 (call/text)
📧 [email protected]
NMLS #1301535

🌏 www.NickFloratos.com

05/17/2023

Biweekly payments accelerate your mortgage payoff by paying 1/2 of your normal monthly payment every two weeks. By the end of each year, you will have paid the equivalent of 13 monthly payments instead of 12. , ,

05/03/2023

Oops, he did it again.

The Federal Reserve on Wednesday released its decision on interest rates following a two-day meeting.

05/03/2023

INVESTORS!!! A DSCR loan is a type of non-QM loan for real estate investors. Lenders use a DSCR to help qualify real estate investors for a loan because it can easily determine the borrower’s ability to repay without verifying income. Give me a call for any questions.

Nick Floratos | PRODUCING BRANCH MANAGER
🏢 Luminate Home Loans | Floratos-Shibata Group
📲 (𝟩𝟢𝟤) 332-9060 (call/text)
📧 [email protected]
NMLS #1301535

04/26/2023

This is how you calculate your Loan to Value. Give me a call if you have any questions.

Nick Floratos | PRODUCING BRANCH MANAGER
🏢 Luminate Home Loans | Floratos-Shibata Group
📲 (𝟩𝟢𝟤) 332-9060 (call/text)
📧 [email protected]
NMLS #1301535

04/20/2023

Oakland Mayor Sheng Thao said negotiations with the Athletics have ended following the MLB team announcing its Las Vegas ballpark site land agreement.

04/19/2023

These are simple avoidable situations that can delay or destroy a loan application if not handled properly. Please be sure to talk to me about any of these items if they are an issue for you so that we can determine the best way to handle them. , . ,

03/22/2023

This is how you calculate your Debt to Income ratio. Give me a call if you have any questions.

Nick Floratos | PRODUCING BRANCH MANAGER
🏢 Luminate Home Loans | Floratos-Shibata Group
📲 (𝟩𝟢𝟤) 332-9060 (call/text)
📧 [email protected]
NMLS #1301535

03/17/2023

Happy Saint Patrick's Day! 🍀🍀

Nick Floratos | PRODUCING BRANCH MANAGER
🏢 Luminate Home Loans | Floratos-Shibata Group
📲 (𝟩𝟢𝟤) 332-9060 (call/text)
📧 [email protected]
NMLS #1301535
________________________________

Kensaku Shibata | PRODUCING BRANCH MANAGER
🏢 Luminate Home Loans | Floratos-Shibata Group
📲 (𝟩𝟢𝟤) 767-6567 (call/text)
📧 [email protected]
NMLS #433696

03/14/2023

Other than the money in your checking or savings accounts here are some non-traditional sources of funds that you are allowed to use for your down payment and/or closing costs. Call me with any questions, 702-332-9060