Tina Oliver - Mortgage Loan Originator - NMLS 2033337

Tina Oliver - Mortgage Loan Originator - NMLS 2033337 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Tina Oliver - Mortgage Loan Originator - NMLS 2033337, Mortgage brokers, Pensacola, FL.

04/15/2022

Going Conventional? Let's talk about Down Payment and Mortgage Insurance options.

With a down payment of 20% or more on a Conventional loan, Mortgage Insurance is generally not required, which saves you money long-term.

Don't have 20%? You can put as little as 5% down; you'll just be required to pay Mortgage Insurance until the loan is paid down to 80%. The MI cost on a Conventional loan is still usually less expensive than MI on an FHA loan. Additionally, with an FHA loan you'll pay MI for the LIFE of the loan.

There are many different types of loan programs out there, and even within each program, there are different approaches that may be taken. I would be happy to help you find the best fit for you! Feel free to message me on here, or call/text me at (218) 340-5623.

03/09/2022

Let's talk Mortgage Brokers vs. Banks.

Why is a mortgage broker, such as Trident Home Loans, better than your local bank? A bank can only offer THEIR best rate. A mortgage broker however, can shop rates among SEVERAL different lenders to present you with the best offer possible.

We start by asking you a series of questions to gain a full understanding of your current financial status and goals. Finding the best rate doesn't always equate to the best deal, as there is so much more to consider than the rate itself. Let us walk you through the process and find the right fit for YOU. Contact me today (218) 340-5623.

CALLING ALL VETERANS! - Did you know I'm a Certified VA Lending Specialist?Here's a little Q&A on VA Purchase Loans:Q: D...
03/05/2022

CALLING ALL VETERANS! - Did you know I'm a Certified VA Lending Specialist?

Here's a little Q&A on VA Purchase Loans:

Q: Does VA require a down payment?
A: Nope! (Well...only in a few circumstances.) The VA loan does not generally require a down payment, but they do charge a 'Funding Fee' which can be rolled into the loan amount. If you receive VA disability pay, you may be completely exempt from the funding fee altogether!

Q: Does the VA Loan have PMI (Private Mortgage Insurance)?
A: Nope! This is another HUGE benefit of the VA Loan and can save VA borrowers hundreds of dollars per month!

Q: I thought the VA Loan was only good for one use?
A: Absolutely not! You can use the VA Loan as many times as you'd like; however, there are a few caveats.

FUN FACT: VA Loans typically have LOWER interest rates than any other loan product!

Contact me to learn more. I'm happy to help!

Thinking about buying a new home soon? Contact me for a pre-qualification letter BEFORE you start shopping! Did you kn...
03/02/2022

Thinking about buying a new home soon? Contact me for a pre-qualification letter BEFORE you start shopping! Did you know some realtors/sellers won't even show a home without the potential buyer having a pre-qualification letter in-hand? A pre-qualification letter shows the seller that you are a serious buyer, and increases the chances of your offer being accepted over someone who does not yet have one.

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Pensacola, FL
32504

Telephone

+12183405623

Website

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