Licensed Correspondent Lender
1545 South Belcher Road
Clearwater, FL 33764
727.687.4762
Linda A. Kelada
Sr. Loan Specialist
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Licensed Correspondent Lender 1545 South Belcher Road Clearwater, FL 33764 727.687.4762
Linda A. Kelada Sr. Loan Specialist
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Your passport to integrity
Today’s market is very complex. Whether or not you are sophisticated in the field of real estate finance, you should retain the services of the FAMB Professional.
Members subscribe to a Code of Ethics of the Florida Association of Mortgage Brokers, the National Association of Mortgage Brokers and must adhere to stringent regulations of the State of Florida.
Who is the FAMB Mortgage Professional?
A professional who…
Is a licensed full time professional who may be a licensed mortgage broker or the principal representative of a Florida licensed lender.
Has passed a qualifying examination administered by the State of Florida.
Analyzes, processes, packages and arranges loans for a fee.
Is knowledgeable as to rates and terms available to suit the client’s needs.
Why use a Mortgage Broker?
A mortgage broker:
Is an expert in analyzing, advising, structuring, underwriting, packaging, presenting and negotiating loan proposals.
Is knowledgeable in the many types of mortgage loans available.
Has a vast network of lenders and other FAMB mortgage brokers that are available for the placement of your mortgage package.
Is continuously updated as to rates available in the ever-changing mortgage market.
Is a specialist in all phases of mortgage lending and has the resources available to handle all your financial needs.
How do I select a Mortgage Originator?
One of the best criteria is whether the broker or originator is a member of the Florida Association of Mortgage Brokers.
FAMB members are pledged to a strict Code of Ethics and Professional Practices. Members regularly attend mortgage seminars to keep current on mortgage market conditions.
Florida licensed brokers and lender’s principal representatives and originators must complete fourteen hours of continuing education biennially covering the laws and business practices of the mortgage industry.
What should I look for in a Mortgage professional?
They should be a full time professional.
They should have a good knowledge of the current day- to -day mortgage market, including the type and terms of loans that lenders will fund.
They should be capable of analyzing, advising, restructuring, underwriting, and packaging, presenting and negotiating your loan proposal with the lender that best suits your needs.
Whether arranging the purchase or refinance of your property, the professional should know your property’s current market value.
Most professionals specialize in different areas of mortgage finance. Choose the broker or originator whose specialty suits your individual needs.
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