Mortgage Loan Types
Are you looking for a new mortgage? We will be glad to help! Call us at 305-608-8808
. Ready to begin? Apply Now
Welcome to Refresh Funding, LLC..We are your one stop shop for all of your Florida hard money, non-prime
and equity based residential and commercial loan
needs. With our office based out of Miami, Florida, we can assist you with any real estate loan transaction in any of the Florida counties and cities. If you want to purchase or refinance a residential or commercial property, let one of our experienced loan specialists assist you with getting the funding that you need. If you are a Realtor, Real Estate Auction Company or Real Estate Investor, we can assist your potential customers with the financing for their purchase that they may not be eligible for through Banks, FHA
and, traditional lending sources. If you have a low credit score, you can still qualify for a purchase. If you are overwhelmed by credit card debt, but you have a property with equity; you can still qualify for a home loan. Also, we offer specialized programs for high profile borrowers with unique needs and situations. Contact us today to discuss your Florida home loan and non-prime loan needs. Hard money loans and subprime loans are our specialty and we strive to structure a loan that fits your needs.
No doubt, a lot to do when you get a mortgage loan. You wouldn't be visiting our site if it were possible to fill out a one-page loan app and get a great loan funded the same day. We do the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.
Getting a home loan involves four major steps.
Step one: determine how much you can borrow
This is a function of a couple things. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? You can get a good idea of your preferred payment amount using the calculators on our website. We'll also help you through different scenarios by asking a few simple questions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.
Step two: pre-qualify for your loan
This is where the process really begins and you save the most money. You will provide details about your employment, your assets, and your residence history. You'll provide information on your employment, asset, and residence history. We will pull get your credit report and score (with your permission, of course). After we've finished reviewing the provided information, we'll provide you with a pre-qualification letter. Your agent will use your pre-qual (as they may call it) in order to make the best offer on the home you choose. While you're looking for your new house with your agent, we find the best program for you.
Once you've made an offer and the sellers have accepted, it's time to apply for the loan. Applying for your loan couldn't get much easier; you can apply any time right here on our site. After the offer has been accepted and you have submitted your loan application, we'll order the professional appraisal on the home.
Step four: your loan is funded
Your real estate agent and the sellers will coordinate to decide on an escrow/title company to take care of the funding of your loan once it has been approved. We'll work with this company to ensure the papers your lender needs are in order, and you will probably sign all these papers at their office. We will coordinate with this company on your date of closing. Since you won't need to coordinate this process, you get to think about the move, painting, carpet, and the details involved in getting a new home.
After you have answered some few questions, given us detailed information, and applied, you'll be ready to move sooner than you think! We take care of the mortgage legwork so you can focus on finding the new home that's right for you.
Have questions about the loan process? Call Refresh Funding at 305-608-8808. It's our job to answer lending questions, so we're happy to help!