My husband and I, along with our three children, have lived in the Central Florida area since 1997. During that time, I have watched Orlando’s agricultural economy grow from cattle ranches and orange groves into the number one tourist destination in the world with over 60 million annual visitors. Also during this time, my husband and I put three children through college, while I received a Doctorate degree in Education from the University of Central Florida, retired from Orange County Public Schools as a middle school Algebra teacher, became a licensed Realtor® and a licensed Mortgage Loan Originator. My academic and employment backgrounds combined with my real estate expertise and financial knowledge allow me to provide high-quality mortgage loan services to my clients. Whether you are seeking a purchase money loan to buy a new house or refinancing your current home, I recognize the importance of finding the loan program that is right for you.
NMLS # 1978757
Please note: You will be taken to an application page that will require you to create an account if you have not created one already.
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.