Wes Short Mortgage Loan Officer Nmls#737559

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United States
Lakeland, FL
Wes Short Mortgage Loan Officer Nmls#737559

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.

Reinventing the mortgage process | Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout Florida
NMLS #737559 | NMLS # 1660690 I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

10/29/2026

🏡 Zillow just made headlines with a new FHA forgivable down payment assistance program. But here’s something Florida homebuyers should know…it’s NOT available in Florida, as of now.

That doesn’t mean Florida buyers are out of options!

As an independent mortgage broker, I have access to numerous FHA down payment assistance programs, including options that offer forgivable assistance.

And here’s the thing — many buyers don’t even realize these programs exist.

Depending on the program and your qualifications, you may be able to receive assistance toward your down payment without having to repay it, provided you meet the forgiveness requirements.

Every program is different, and not every buyer will qualify, but that’s exactly why it’s worth having a conversation.

Before you assume you need to save thousands more to purchase a home, let’s explore what’s available to you.

Whether you’re a homebuyer or a Realtor working with someone who could benefit from down payment assistance, I’d love to help you explore your options.

📲 Reach out anytime!

10/08/2026

🏡 Found a manufactured home you love, but financing is a roadblock?

Lately, I’ve had quite a few calls from Realtors and pre-approved buyers who have come across manufactured homes built before June 15, 1976, and asked: “Can we finance this?”

For FHA, VA, and conventional financing through Fannie Mae or Freddie Mac, manufactured homes generally must have been built on or after June 15, 1976, and meet HUD construction standards, along with other program requirements. Homes built before that date need a different financing route.

The good news? I have a financing option worth exploring. That includes options for certain “second-set” manufactured homes—homes that have been moved and installed at a new location.

This is a specialty financing option, so rates, down payment requirements, and loan terms can look different from a traditional mortgage. Let’s talk through the numbers and see whether it makes sense for you.

🏡 Buyers: would you consider an older manufactured home if financing were available?
🔑 Realtors: have you come across a listing where this could help?

Drop a comment below or send me the listing. Every property and borrower needs a closer look, but before you cross that home off the list, let’s have a conversation.

10/01/2026

You won’t see me posting every closing, every quick turnaround, or every great rate. My wife reminds me that sharing my work helps people get to know me—and understand why they can trust me.

So, here’s a story I’m truly proud of.

Last year, a past client who has trusted me with several home purchases referred someone to me who had just experienced a heartbreaking setback.

He had been told he was pre-approved for a USDA home loan. He found a home he loved, went under contract, and a week later was denied.

His initial pre-approval had been based on a soft credit pull. When the full credit report was pulled under contract, issues surfaced that meant he didn’t qualify for the program.

By the time we connected, he was understandably discouraged.

There were other financing options available, but after looking at his situation, I believed USDA was the best fit. We sat down, worked through the credit items standing in his way, and built a plan.

That was 10 months ago.

Since then, we’ve stayed in touch, worked through the details, and kept moving forward. He put in the work, and I stayed beside him.

Today, he’s shopping for his new home again—with a pre-approval backed by a full credit review and an automated underwriting approval.

We haven’t reached the closing table yet, but this milestone deserves to be celebrated.

This is the work I’m proud of. Taking the time to understand someone’s situation, helping them make informed decisions, and sticking with them—even when the path takes longer than we hoped.

That’s what being a mortgage advisor means to me.

Who you work with truly does matter. 🏡

09/16/2026

As expected, the Federal Reserve raised its benchmark interest rate by 0.25% today as it continues working to bring inflation under control.

If you are currently pre-approved, or if you are a real estate agent working with pre-approved buyers, now is a good time to request updated payment and qualification figures. Even a small rate adjustment can affect purchasing power, monthly payments, and the price range a buyer is comfortable considering.

Reminder, I am always available to provide a second opinion on a pre-approval, loan structure, or financing scenario.

09/16/2026

Today, all eyes are on the Federal Reserve.

The Fed is widely expected to raise its benchmark rate to help combat persistent inflation. While the Fed does not directly set mortgage rates, its decisions can influence the financial markets—and most lenders have already priced in the anticipated increase.

That means we may not see a significant change in mortgage rates following today’s announcement. The market’s reaction will depend largely on what the Fed says about inflation and future rate decisions.

This is not the time to panic or put your plans on hold. It’s the time to be strategic. The right loan program, purchase price, seller concessions, and rate strategy can make a meaningful difference.

Thinking about buying a home? Reach out, and let’s build a plan based on today’s market—not headlines.

09/11/2026

I was sitting in my 9th grade science class when we turned on the TV.

At that age, I don’t think I fully understood the magnitude of what we were watching or how much that day would change our country forever.

What I do remember is what came afterward—the overwhelming sense of unity and pride in being an American. People showed up for one another. Political beliefs didn’t matter. The color of your skin didn’t matter. We were Americans, and for a moment, we remembered how much stronger we are when we stand together.

I wish we could hold on to more of that unity today.

May we never forget the lives lost on September 11, 2001, the families forever changed, the first responders who ran toward danger, and the countless men and women who continue to suffer from 9/11-related illnesses.

We remember. 🇺🇸

08/08/2026

Open house today! Come see us!

07/02/2026

I hear this all too often! Trying to time price drops. Trying to time rate drops. Meanwhile, someone else is buying that home you have had your eye on!

Let's put a plan together for you, now!

07/02/2026

How Come?!

05/01/2026

Don’t go shopping without a Pre-approval!

Address

Lakeland, FL

Website

https://wesshortmortgages.com/, https://wesshort.floify.com/apply

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