Mortgage Fanatics - L And Z Financial Services - Nmls#2309952

08/27/2026

I just spoke with a home builder in Texas and I cannot believe that they did not know about the One Time Close Loan.

Builders, stop using your own funds to front builds and end up sitting on millions of dollars of inventory.

Borrowers, stop doing multiple loans to achieve one result. You do not need separate loans to purchase the land, then to start constructions, and then to refinance to get all these loans into one morgage payment. There is a One Time Close Loan that takes care of all this.

With the One Time Close Loan, the borrower/client, if approved, will be using the One Time Close Loan for the cost of the land and the new home build costs with only ONE loan. No need to refinance, no double closings, no need to front your own money as a builder. The best part, if rates go down by during the end of the build, when the home is completed and the certificate of occupancy is issued, the rate can be modified to the lower rate (plus an eight, which is 0.125%) before entering into the loan terms and making normal payment. You won't miss out on lower rates if the market trends downward.

As the borrower or builder's client, you can use the vacant land that is owned or financed, teardown and rebuild on the current foundation of a home that is owned or financed, or buy a new vacant piece of land. This program is available for Conventional and VA loan products. As little as 3% to 5% with a conventional loan, requiring interest only payments during the build. With VA, as little as 0% - No Money Down with no interest only payments required during the build.

Get that dream moving now and move into home that you really want. Give Mortgage Fanatics a call today at 754-273-0357 and let’s get you going in the right direction and in your home soon. Serving Florida and Texas.

Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License,
Florida Mortgage Broker License: MBR8624
Visit mtgfanatics.com for more information. See less

08/25/2026

Got a Chapter 7 Bankruptcy and it's only been less than year from discharge and you need a mortgage? Our recent borrowers were less than 12 months from their discharge date on their Ch. 7 Bankruptcy and we closed on their new home purchase in 14 days.

Your CPA did a great job on your self-employment taxes but now you look broke when you are trying to apply for a mortgage? We are always helping self-employed borrowers close on their purchase using the Bank Statement loan. If you are self-employed, this may help you as well.

If you are one of the 2 options above and need help with getting a mortgage, we may have a solution for you. Give Mortgage Fanatics a call today at 754-273-0357 and let’s get you going in the right direction and in your home soon. Serving Florida and Texas.

Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License,
Florida Mortgage Broker License: MBR8624
Visit mtgfanatics.com for more information.

06/18/2025

Almost forgot to post about this super fast Clear to Close in only 10 Days on this Conventional Loan. Congratulations to this home buyer. Now we get to sit back and wait for closing in style.

Another example of how being organized and knowing the guidelines helps get to the closing table faster. Contact us now to see if we can also help you achieve this amazing service and speed. Call/Text Varune Ajay Ramhit / L And Z Financial Services - NMLS #2309952 at 754-273-0357. Serving all of Texas!!!

Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License
Visit landzfinancialservices.com for more information.

06/02/2025

This was like no other loan that I have done. What started off as a regular refinance turned into a foreclosure, lack of funds, and lack of support from many parties involved. Still, working this file every chance that I could, we were able to Clear to Close this in only 14 Business Days and most of all we AVOIDED FORECLOSURE!!!! I know this is definitely a huge weight lifted from my borrower and this is by far one of the biggest wins so far for L And Z Financial Services - NMLS #2309952

Another example of how being organized and knowing the guidelines helps get to the closing table faster. Contact us now to see if we can also help you achieve this amazing service and speed. Call/Text Varune Ajay Ramhit at 754-273-0357. Serving all of Texas!!!

Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License
Visit landzfinancialservices.com for more information.

05/30/2025

HORROR STORIES FROM OTHER LENDERS AND SO CALLED BROKERS!!!

Call me if you are in one of these situations or know someone who is and let's see what options they have. Varune Ajay Ramhit/L And Z Financial Services - NMLS #2309952 (754) 273-0357

2 Tips for today (EXPLANTATIONS BELOW ):

TIP #1 - DO NOT DO A DSCR ON YOUR PRIMARY HOME, YOU'LL LOSE YOUR HOME IN THE END!!!! BONUS TIP, MAKE SURE THE BROKER(S) YOU ARE WORKING WITH IS ACTUALLY LICENSED TO DO RESIDENTIAL MORTGAGES IN YOUR STATE!!!
Link to check is here: https://www.nmlsconsumeraccess.org/

TIP #2 - DO NOT GO INTO A CONTRACT WITHOUT A REAL PRE APPROVAL, YOU MAY LOSE YOUR EARNEST MONEY DEPOSIT!!!

While I love posting all my wins and fast closings, from time to time I encounter clients that come from "OTHER LENDERS" or "SO CALLED BROKERS" that just did not know what they were doing nor do they work in the clients favor, causing financial losses and even foreclosure. Here are two clients that I encountered this month that I wish I had encountered a month or two ago or even earlier, and if you are in this predicament or know someone, call me Varune Ajay Ramhit/L And Z Financial Services - NMLS #2309952 (754) 273-0357.

CLIENT #1 had an investment loan (DSCR) done on their primary residence to access their equity. The lender found out that it was not a true investment home and they began foreclosure proceedings due to the breach of contract. I tried everything that I could to help her but with all the interest from the investment loan and payoff they ended up being so upside down that they had no choice but to accept the foreclosure outcome and will now have to battle this out in court.

How could Varune Ajay Ramhit/L And Z Financial Services - NMLS #2309952 have helped? For one, we could have done a proper cash out refinance (TX 50a6 Loan) and get the cash out that they were looking for. This would have come with a better interest rate and better terms and have no recourse; the sad part is that they would have qualified given their income and credit. Two, assuming option one didn't work, knowing about this earlier would have allowed me to assess the situation earlier and calculate the necessary cash to close to get out of this loan sooner. Knowing this before the lender is triggered would have allowed us enough time to save up the cash to close and get out of this horrible investment loan and get back into a qualified residential loan.

CLIENT #2 went to a reputable retail lender and was issued a pre approval based on initial documentation and a credit check. Without me knowing the specifics, the lender probably messed up with calculating income in the beginning and more than likely under estimated the insurance and the property taxes, giving false hope of a large pre approval. The buyers, with these grand hopes of the high pre approval, went under contract near the top of their budget only to find out they would not be approved. To make matters worse, the lender took a really long time to break the news, fully exhausting the buyer's options to legally back out of the contract, and causes the borrowers to lose their $3800 deposit.

How could Varune Ajay Ramhit/L And Z Financial Services - NMLS #2309952 have helped? Simple, getting income calculated with the lenders upfront gives the client piece of mind, also knowing what to look for with credit, liabilities, taxes, insurance, etc., gives the client a realistic outlook and sets better expectations. This client would have been told upfront about their true buying power and ways to increase their buying power if a larger pre approval was desired.

DO NOT END UP IN THESE SITUATIONS. LET Varune Ajay Ramhit/L And Z Financial Services - NMLS #2309952 HELP YOU WITH ALL YOUR RESIDENTIAL MORTGAGE NEEDS, WE SERVICE ALL OF TEXAS.

If you made this far, THANK YOU FOR READING!!!

(754) 273-0357
Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License
Visit www.landzfinancialservices.com for more information.

We are Mortgage and Home Loan Experts and we offer Purchase, Refinance and Cash-out Refinance Loans.

05/20/2025

We made quick work of this Clear to Close in only 9 Days on this VA Loan. Congratulations to this home buyer. Now we get to sit back and wait for closing in style.

Another example of how being organized and knowing the guidelines helps get to the closing table faster. Contact us now to see if we can also help you achieve this amazing service and speed. Call/Text Varune Ajay Ramhit/L And Z Financial Services - NMLS #2309952 at 754-273-0357. Serving all of Texas!!!

Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License
Visit landzfinancialservices.com for more information.

05/16/2025

Fast and easy Clear to Close of only 13 Days on this VA Loan. Congratulations to these home buyers. I am so happy that we were able to meet the deadline for this home purchase.

Another example of how being organized and knowing the guidelines helps get to the closing table faster. Contact us now to see if we can also help you achieve this amazing service and speed. Call/Text Varune Ajay Ramhit/L And Z Financial Services - NMLS #2309952 at 754-273-0357. Serving all of Texas!!!

Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License
Visit landzfinancialservices.com for more information.

04/25/2025

Sometimes I forget to post how quickly we can get loans done, so here are a few recent ones. Congratulations to these home buyers. I am so happy that we were able to get you all to the finish line so quickly. If you are still playing around with 30-45 day closings, you may want to talk to L And Z Financial Services - NMLS #2309952 on how we can help. Call/Text 754-273-0357

Another couple examples of how being organized and knowing the guidelines helps get to the closing table faster. Contact us now to see if we can also help you achieve this amazing service and speed.

Call/Text 754-273-0357. Serving all of Texas!!!

Individual NMLS #2222527
Company NMLS #2309952
Texas Mortgage Company License,
Visit landzfinancialservices.com for more information.

01/30/2025

Congratulations to CTX Premier Realty, LLC for receiving THE GOLDEN STANDARD OF REAL ESTATE AWARD for 2024 AS THE #1 REAL ESTATE PARTNER OF 2024 FOR THEIR EXCEPTIONAL PARTNERSHIP AND TOP TIER SERVICE TO OUR SHARED CLIENTS, presented by L And Z Financial Services - NMLS #2309952, "Your Mortgage Solution Provider." Thank you CTX Premier Realty, LLC for your continued partnership. 🏆🏆🏆

Individual NMLS #2222527
Company NMLS #2309952
Visit landzfinancialservices.com for more information.