The Frederick Mahon Mortgage Team

Home
United States
Sarasota, FL
The Frederick Mahon Mortgage Team

Danielle Mahon NMLS # 1623790 | FL: LO81936 | IL:031.0049384
Al Frederick NMLS # 462432 | FL: LO53265| They are also available by email and text.

The Frederick & Mahon Mortgage Team is based in Lakewood Ranch, Florida. Team Frederick & Mahon has over 30 years of experience in the mortgage industry. Their years of experience, extensive knowledge of loan programs, guidelines and every aspect of the mortgage industry has resulted in a reputation of honesty, integrity and reliability. They look to build lasting professional relationships with b

oth clients and referral partners. One of the things that sets Al & Danielle apart from other lenders is their belief that every client they work with needs to be educated on all financing options available to them and that being informed and updated throughout the loan process is a necessity. They stress that questions and inquiries about any aspect of the mortgage process are welcomed and appreciated. Educating clients and referral partners is one of the team’s top priorities. Al and Danielle’s range of experience includes first time homebuyer programs, jumbo and non-conforming, conventional, FHA, USDA, VA loans and various niche programs. They treat each of their clients as if they are friends and family, not just clients, and they focus on each individual’s needs along with their financial situations and goals. Al & Danielle are available anytime to pick up the phone and discuss financing options for clients who are looking to purchase or refinance. The Frederick & Mahon Mortgage Team is apart of the Lakewood Ranch, Florida branch of Society Mortgage and both Al & Danielle are also with the Lake in the Hills, Illinois branch.

09/08/2026

💳🏡 What Is a FICO Score, and Why Does It Matter? 🏡💳

Your credit score can play an important role in the mortgage process, but what exactly is a FICO score and what does it tell a lender?

Here is the quick breakdown:

📊 What is a FICO score?
A FICO score is a credit score developed by Fair Isaac Corporation. It is calculated using information contained in your credit report and is designed to help lenders evaluate credit risk.

🔢 FICO scores generally range from 300 to 850.
A higher score generally indicates a stronger credit profile, but your credit score is only one part of the overall mortgage qualification process.

🏠 Mortgage credit scores may look different.
There are multiple FICO scoring models designed for different types of lending. The score you see through a credit card company or consumer credit service may not be the same score used when applying for a mortgage.

💰 Your credit can affect your mortgage options.
Depending on the loan program and other qualifying factors, your credit profile may influence your interest rate, mortgage insurance, down payment requirements, and available financing options.

📋 What can influence your FICO score?
Factors can include your payment history, amounts owed, length of credit history, new credit activity, and the types of credit accounts you have.

🔍 Preparing to buy a home? Review your credit early.
Understanding your credit before beginning the mortgage process can give you time to address potential issues and better understand the financing options that may be available.

💙 Have questions about how your credit may factor into a mortgage? Reach out to our team! We are happy to help you understand the mortgage process and prepare for your next step toward homeownership.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

09/07/2026

🇺🇸💙 Happy Labor Day! 💙🇺🇸

Today, we celebrate the hard work, dedication, and determination of the people who help keep our communities moving forward every day.

🏡 From building careers and growing businesses to providing for families and working toward the dream of homeownership, every accomplishment starts with hard work and perseverance.

We are grateful for the opportunity to work alongside so many incredible clients, real estate professionals, business partners, and members of our community.

💙 From all of us at The Frederick Mahon Mortgage Team, we hope you have a safe, relaxing, and enjoyable Labor Day surrounded by the people who matter most!

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

09/06/2026

🏡💙 Can Closing Costs Change? 💙🏡

When you are buying or refinancing a home, you will receive a Loan Estimate that outlines the estimated costs associated with your mortgage. But does that mean every number will stay exactly the same through closing? Not necessarily!

Here is the quick breakdown:

📋 Start with your Loan Estimate.
After you apply for a mortgage and provide the required information, your lender generally provides a Loan Estimate within three business days. This document gives you important information about your proposed loan, including estimated closing costs.

🔒 Some fees generally cannot increase.
Certain lender charges and other applicable fees are subject to zero tolerance rules, meaning they generally cannot increase from the amount disclosed on your Loan Estimate unless a valid changed circumstance or other permitted reason applies.

📊 Some fees have limited increases.
Certain third party charges may be subject to a 10 percent cumulative tolerance. This means the total of the applicable charges generally cannot increase by more than 10 percent from the amounts originally disclosed, subject to applicable rules and circumstances.

🔄 Some costs can change.
Certain expenses may change without a specific tolerance limit. These can include prepaid interest, property insurance premiums, amounts placed into escrow, and certain services where you select a provider.

🏠 Changes do not always mean something is wrong.
Some closing costs depend on outside factors, timing, service providers, taxes, insurance, or changes to your loan or transaction. That is why it is important to review updated disclosures when you receive them.

🔍 Compare your final numbers.
Before closing, you will receive a Closing Disclosure showing the final details of your mortgage. Review it carefully and compare it with your most recent Loan Estimate so you understand any changes.

🤝 Questions? Ask before closing day.
If something looks different or you do not understand a charge, reach out to your mortgage team. We are here to explain the mortgage related costs and help you understand what you are seeing.

💙 Have questions about your Loan Estimate or closing costs? Reach out to our team! We are always happy to help you understand the numbers and feel informed throughout the mortgage process.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

09/05/2026

🏡💙 Do Rates Really Need to Drop 2 Percent Before You Refinance? 💙🏡

You may have heard the old rule that mortgage rates need to drop by 2 percent before refinancing makes sense. The truth is, there is no single percentage that determines whether refinancing is the right move for every homeowner.

Here is the quick breakdown:

📉 There is no one size fits all rule.
A refinance does not automatically make sense because rates dropped by a certain amount. Your current mortgage, new loan terms, costs, goals, and how long you plan to keep the home all matter.

💰 Look at your potential monthly savings.
Even a smaller change in interest rate could make a meaningful difference depending on your loan balance and current mortgage. The actual numbers are more important than following an old rule of thumb.

🧮 Calculate your break even point.
Refinancing can come with closing costs and fees. Comparing those costs with your potential monthly savings can help you estimate how long it may take to recover the expense of refinancing.

📅 Consider how long you plan to stay in the home.
If you expect to sell or move before reaching your break even point, refinancing may not make financial sense. If you plan to stay longer, the numbers may tell a different story.

🏠 A lower rate is not the only reason to refinance.
Homeowners may also explore refinancing to change their loan term, switch loan types, or access available home equity. Each option should be evaluated based on your individual goals.

🔍 Run your numbers, not someone else’s.
What works for one homeowner may not work for another. Instead of waiting for an arbitrary rate drop, take a look at your current mortgage and compare it with the options available to you.

💙 Wondering whether refinancing may make sense for your situation? Reach out to our team! We are happy to review the numbers with you and help you understand the mortgage options that may be available.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

09/04/2026

🏡💙 Are Home Prices Making Homeownership Feel Out of Reach? 💙🏡

If you are waiting to buy because you think you need a large down payment, it may be worth taking another look at your options. You might be closer to homeownership than you think!

Here is the quick breakdown:

💰 You may not need 20 percent down.
The idea that every homebuyer needs a 20 percent down payment is a common misconception. Depending on the loan program and your qualifications, lower down payment options may be available.

🏠 Different loan programs offer different options.
Conventional, FHA, VA, and USDA loans each have their own eligibility requirements and down payment guidelines. The right option depends on your individual financial situation.

📋 Down payment assistance may also be available.
Some qualified buyers may have access to down payment or closing cost assistance programs. Eligibility and availability can vary by program and location.

💵 Look at more than the down payment.
Your available funds are only one part of the homebuying picture. Credit, income, debts, estimated closing costs, monthly payment, and financial goals all play a role in determining what may be affordable for you.

📈 Do not make assumptions about what you can afford.
Home prices and market conditions change, but so can financing options. Before deciding that buying is out of reach, it can be helpful to understand what you may qualify for based on today’s numbers.

🔑 Start with the numbers, not the house.
Talking with a mortgage professional before you begin shopping can help you understand your potential purchasing power, estimated costs, and available loan options.

💙 Wondering if homeownership could be within reach? Reach out to our team! We are happy to review your situation, answer your mortgage questions, and help you understand the options that may be available to you.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

09/03/2026

💳🏡 Credit Tips: Avoiding Mortgage Late Payments 🏡💳

Your payment history can play an important role in your credit profile, especially when you are preparing to buy a home, refinance, or apply for other financing.

Here are a few tips to help keep your mortgage payments on track:

⏰ Pay attention to due dates.
Late or missed mortgage payments may negatively affect your credit and could make future borrowing more difficult or expensive. Staying ahead of your payment schedule can help protect the credit you have worked to build.

💰 Plan for the unexpected.
Unexpected expenses happen. When possible, maintaining an emergency fund can provide additional financial flexibility when an unplanned expense comes up.

📱 Consider automatic payments.
If your mortgage servicer offers automatic payments, setting them up may help prevent a payment from being forgotten. Calendar reminders can also be a simple way to stay on top of due dates.

📋 Review your mortgage statements.
Keeping an eye on your statements can help you stay informed about the amount due, payment activity, and important information from your mortgage servicer.

☎️ Having trouble making a payment? Act early.
If you believe you may have difficulty making an upcoming mortgage payment, contact your mortgage servicer as soon as possible to discuss what options may be available.

🔍 Protect your credit before your next mortgage move.
If you are thinking about purchasing or refinancing, paying bills on time, monitoring your credit, and avoiding unnecessary changes to your finances can help you prepare.

💙 Have questions about preparing your credit for a future mortgage? Reach out to our team! We are always happy to help you understand the mortgage process and prepare for your next step.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

09/02/2026

🏡💙 Could Your Home Equity Help You Tackle Debt? 💙🏡

Managing multiple monthly payments can feel overwhelming. If you have built equity in your home, you may have mortgage options that could be used to consolidate certain debts into one payment.

Here is the quick breakdown:

💳 What is debt consolidation?
Debt consolidation generally means combining multiple debts into one new loan. For homeowners, one option may involve accessing available home equity to pay off certain existing debts.

🏠 Your home equity may provide options.
Depending on your financial situation and available equity, options such as a cash out refinance or other home equity financing may be worth exploring.

💰 Look beyond the monthly payment.
A lower monthly payment does not necessarily mean lower overall costs. Interest rates, loan terms, closing costs, and the total amount of interest paid over time should all be considered.

📅 Loan term matters.
Moving shorter term debt into a longer term mortgage could extend how long you are paying that debt. It is important to compare both the immediate payment and the long term financial impact.

🔍 Debt consolidation is not for everyone.
Using home equity changes the type of debt you owe and may place your home as collateral. Your income, current debts, available equity, mortgage terms, and financial goals should all be reviewed before making a decision.

🤝 Run the numbers before making a move.
Every homeowner’s situation is different. We can help you review potential mortgage options and understand how the numbers compare so you can make an informed decision.

💙 Wondering whether using your home equity for debt consolidation may make sense for your situation? Reach out to our team! We are happy to help you explore your options.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

09/01/2026

🏡💙 Buying Above the Conventional Loan Limit? Let’s Talk Jumbo Loans! 💙🏡

When the price of a home requires financing beyond the conforming loan limits for the area, a jumbo loan may be an option worth exploring.

Here is the quick breakdown:

🐘 What is a jumbo loan?
A jumbo loan is generally a mortgage with a loan amount that exceeds the conforming loan limit established for conventional loans in a particular area.

🏠 Loan limits depend on location.
Conforming loan limits can vary depending on where the property is located. Higher cost areas may have different limits, so the amount considered jumbo is not necessarily the same everywhere.

📋 Qualification requirements may be different.
Because jumbo loans involve larger loan amounts, lenders may have different requirements for credit, income, assets, reserves, debt to income ratios, and documentation.

💰 Down payment options can vary.
The amount required for a down payment depends on the loan program, borrower qualifications, property, and other factors. Understanding your options early can help you prepare financially.

🔍 Compare more than the interest rate.
When evaluating jumbo financing, consider the complete picture, including the loan terms, estimated monthly payment, closing costs, available funds, and your long term financial goals.

🔑 Start before you find the house.
If you are considering a higher priced property, speaking with your mortgage team early can help you understand your potential financing options and what may be needed before you begin making offers.

💙 Thinking about purchasing a home that may require jumbo financing? Reach out to our team! We are happy to help you explore the mortgage options that may be available and prepare for your next move.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

08/31/2026

🏡💙 Ready to Push the Button on Homeownership? 💙🏡

Buying a home is a big decision, and when you are ready to move forward, having the right mortgage team beside you can make all the difference.

Here is how we can help:

📋 Start with pre-approval.
Getting pre-approved can help you better understand your potential purchasing power and establish a price range before you begin seriously shopping for a home.

🔍 Understand your mortgage options.
There are different loan programs available, each with its own guidelines and requirements. We can help you explore the options that may fit your financial situation and homeownership goals.

🏠 Find the right home for you.
Once you know your financing options, you can work with your real estate professional to search for a home that fits your needs, budget, and lifestyle.

🤝 Stay informed throughout the process.
From application and documentation to underwriting and closing, communication matters. Our team is here to answer mortgage related questions and help you understand what comes next.

🔑 Get ready for closing day.
As you approach closing, we will help you understand the mortgage related details, documents, and funds needed so you can feel prepared for the final steps.

💙 Thinking about making a move? You do not have to have everything figured out before starting the conversation. Reach out to our team, and we will be happy to help you understand your options and prepare for your next step toward homeownership!

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

08/30/2026

🏡💙 Is Your Home Equity All Locked Up? 💙🏡

As you make mortgage payments and your home’s value changes over time, you may build equity in your property. But what exactly can you do with that equity?

Here is the quick breakdown:

🔑 What is home equity?
Home equity is generally the difference between your home’s current value and the amount you still owe on loans secured by the property.

🏠 Equity may be a financial resource.
Depending on your situation, available equity may give you options to access funds without selling your home.

💰 There are different ways to access equity.
Options may include a home equity loan, home equity line of credit, or cash out refinance. Each works differently and comes with its own qualification requirements, costs, rates, and repayment terms.

📋 How you use the funds matters.
Homeowners may consider accessing equity for home improvements, major expenses, debt consolidation, or other financial needs. Because your home may serve as collateral, it is important to carefully consider the benefits and costs.

🔍 More equity does not automatically mean you should borrow.
Having equity available and deciding to access it are two different things. Your current mortgage, interest rate, monthly budget, financial goals, and plans for the property should all be part of the conversation.

🤝 Understand your options before making a move.
There is no single equity strategy that works for every homeowner. Reviewing the numbers with your mortgage professional can help you understand what options may be available for your specific situation.

💙 Curious about the equity you have built in your home and what mortgage options may be available? Reach out to our team! We are happy to help you explore your options and make an informed decision.

📞 Al Frederick
NMLS ID: 462432
📧 [email protected]
📱 (847) 344 5124

📞 Danielle Mahon
NMLS ID: 1623790
📧 [email protected]
📱 (941) 334 2688

💙 The Frederick Mahon Mortgage Team: Helping homebuyers and homeowners make confident mortgage decisions through education, personalized solutions, and trusted guidance every step of the way!

https://activecomp.ly/nmls/1623790

Address

1549 Ringling Boulevard SUITE 510
Sarasota, FL
34236

Telephone

+19413342688

Website

https://societymortgage.com/danielle-mahon/

Alerts

Be the first to know and let us send you an email when The Frederick Mahon Mortgage Team posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Frederick Mahon Mortgage Team:

Want your business to be the top-listed Finance Company in Sarasota?