Wayne Spiwak - Mortgage Originator NMLS# 321600

05/27/2022

LOOKING TO BUY A HOME IN ONE OF THESE AREAS?

You may be eligible for our brand new Expanded Opportunity Loan!

👉 No Mortgage Insurance
👉 No Funding Fee
👉 No First Time Homebuyer Requirement
👉 No Income Limitations

& BELOW MARKET RATES - YES ‼️

This is the program you’ve been waiting for!

✅ NO PMI + a BELOW MARKET RATE & 100%* Financing!

If you are looking to buy a home in one of these Counties:

Clay
Duval
Gadsden
Hillsborough
Jefferson
Leon
Pasco
Pinellas
Wakulla

Call or Email Me Today to See If You Are Eligible!

(tons of eligible and desirable locations within the census tracts)

(813) 833-7333 | [email protected]
NMLS #321600
FL Lic # LO3434
*Purchase Price $400,000, Loan Amount $400,000, Interest Rate 4.750% (APR 4.815%), Monthly Principal & Interest Payment of $2,086.59. Taxes, Insurance, HOA Dues are not included in the payment listed, so total payment will be higher. Interest rate and payment are based upon a 30-Year Fixed Rate, Credit Score 640 or above, Primary Residence, Detached Single Family property, Purchase Transaction. No Prepayment Penalty. Interest Rate effective 5/13/2022. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates, and fees are subject to change without notice. Eligible Florida Counties: Clay, Duval, Gadsden, Hillsborough, Jefferson, Leon, Pasco, Pinellas, Wakulla. Subject to Geographic Eligibility. Equal Housing Lender.

03/07/2022

You don’t have to spend a fortune to own the home of your dreams!

Own more for less with our new and improved Jumbo program.

You can now purchase a home for as much as $1.5M with only a 3.5% down payment.

Start your application today to see how much you can save!

https://www.blink.mortgage/app/signup/p/simonsleonihomeloansllc/waynespiwak?campaign=WayneSpiwakFacebook
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender

Purchase Price $1,500,000; Loan Amount $1,447,500; Interest Rate 5.125% (APR 5.278%); No PMI; 96.5% Loan-to-Value; Monthly Principal & Interest Payment $7,881.45; Taxes, Insurance, HOA Dues are not included in the payment listed. Payment and Rate is based upon a 30-Year Fixed Rate; Credit Score 780 (better terms may apply with higher credit scores); Primary Residence; Detached Single Family; Purchase Transaction. No Prepayment Penalty. Interest Rate effective 2/23/2022. Terms and Conditions apply. Not all borrowers will qualify. This is not an offer to lend. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Income limitations may apply to some loan products. Guidelines, rates and fees are subject to change without notice. Equal Housing Lender.

12/05/2021

Another Happy Client!

Shout out to Wayne Spiwak - Mortgage Originator NMLS # 321600 and Anne Fisher for being the best!

10/07/2021

New 2022 Conventional Loan Limits are live!

This means if you want to buy a home for $644k, guidelines will allow you to purchase with as little as 5% down and at Conventional loan rates vs. Jumbo loan rates!

Get Pre-Approved Now! 👇

https://www.blink.mortgage/app/signup/p/simonsleonihomeloansllc/waynespiwak?campaign=WayneSpiwakFacebook
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender

07/15/2021

Found the home of your dreams?

Need a loan greater then the conforming loan limit of $548,250? - Then a Jumbo loan is right for you!

If you have a high credit score and the income to match, a Jumbo loan can help you live large.

See how much you qualify by starting your application today.

Click the link below to get started!

https://www.blink.mortgage/app/signup/p/simonsleonihomeloansllc/waynespiwak?campaign=WayneSpiwakFacebook
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender

06/14/2021

JUMBO PRIME is Here!!

Program Highlights:

- 30-year Fixed Rates Only
- Amount NOW $2,000,000
- Up to 89.99% LTV* with No PMI
- Credit Scores as Low as 700
- Primary Residence, Secondary Homes & Investment Properties are eligible
- Purchase; Rate & Term & Cash-Out Refinance Allowed

GREAT RATES WITH FAST & EASY CLOSINGS

Start by clicking the link below!

https://simonsleoni.com/jumbo-prime-wayne-spiwak/
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender
*Purchase Price $2,200,000; Loan Amount $1,979,780; Interest Rate 3.625% (APR 3.721%); Example includes 1% Discount Point; No PMI; 89.99% Loan-to-Value; Monthly Principal & Interest Payment $9,028.81; Taxes, Insurance, HOA dues are not included in the payment listed. Payment and Rate is based upon a 30-Year Fixed Rate; Credit Score 780 (different terms may apply for lower credit scores); Primary Residence; Detached Single Family; Purchase Transaction. No Prepayment Penalty. Interest Rate effective 6/2/2021. The APR is calculated using the Actuarial Method.

05/10/2021

Did you know that refinancing your home could help you get rid of your mortgage insurance payment?

If you have an FHA loan and at least 20% equity in your home, you could refinance into a conventional mortgage and save big. See if your home qualifies today..
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender

Just answer a few simple questions to find out why a refinance could potentially save thousands!

04/26/2021

Most people who buy a home do so with a mortgage. It's a loan that is a necessity if you can't pay the full cost of a home out of pocket, which accounts for 90% of homebuyers. So, what makes a mortgage different from other types of loans?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Lower interest rates
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Longer repayment periods — most people pay off their mortgage over 30 years⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Rates and payments are generally fixed — most people "fix" their mortgage interest rate so that their monthly payment will stay the same over the whole loan period (unless they choose to refinance)⠀⠀⠀⠀⠀⠀⠀⠀⠀
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The loan is "secured" — mortgages are secured by the value in your home; if you fail to make payments, the mortgage company can take back ("foreclose") your house to recoup its losses⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Still have questions regarding mortgages and how to apply for one? Comment down below or start your application here:

https://www.blink.mortgage/app/signup/p/simonsleonihomeloansllc/waynespiwak?campaign=WayneSpiwakFacebook
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender

04/20/2021

If you have an FHA loan, you may be stuck paying mortgage insurance for the life of the loan, but a smart refi could be your way out.

Get started with our FHA Rate Checker to see if this is right for you!
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender

Just answer a few simple questions to find out why a refinance could potentially save thousands!

04/09/2021

I know that a refinance is more than just a change to your mortgage rate or terms – it's more money in your pocket each month for the things that matter most.

Apply below to see how much you could save!

https://www.blink.mortgage/app/signup/p/simonsleonihomeloansllc/waynespiwak?campaign=WayneSpiwakFacebook
NMLS #321600
FL Lic # LO3434
Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender