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HOME LOANS

What types of loans are there and which one is right for me??
We can help you find your best options.

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WHAT’S THE PROCESS

Click below to learn about all documentation and information you'll need to have prepared for the loan process.

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HOW WE’RE DIFFERENT

Integrity - Honesty - Caring- Knowledge

These are the qualities that family, friends and clients have trusted the professionals at First Southeast Mortgage Corporation with for more than 30 years.  We help people throughout Florida achieve and maintain the dream and reality of homeownership. Unlike retail banks and online lenders, we are accountable to YOU, and YOU only.  We work with many wholesale lenders to find you the best rates and terms for YOUR needs. We meet with you when it’s convenient for YOU – early mornings, evenings or weekends. To First Southeast Mortgage Corporation, you’re not just a client, you are our neighbor. Our mission includes participation and contribution to our South Florida community every day.  First Southeast Mortgage Corporation will serve your individual real estate financing needs  for many years to come while providing a long term friendship and business relationship that you can count on!

Accessibility

FirstSouthEastMortgage.com Accessibility Statement

Updated: December 2019.

General

FirstSouthEastMortgage.com strives to ensure that its services are accessible to people with disabilities. FirstSouthEastMortgage.com has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Accessibility on FirstSouthEastMortgage.com

FirstSouthEastMortgage.com makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows FirstSouthEastMortgage.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

Enabling the Accessibility Menu

The FirstSouthEastMortgage.com accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

Disclaimer

FirstSouthEastMortgage.com continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

In an ongoing effort to continually improve and remediate accessibility issues, we also regularly scan FirstSouthEastMortgage.com with UserWay’s Accessibility Scanner to identify and fix every possible accessibility barrier on our site. Despite our efforts to make all pages and content on FirstSouthEastMortgage.com fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

Here For You

If you are experiencing difficulty with any content on FirstSouthEastMortgage.com or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

Contact Us

If you wish to report an accessibility issue, have any questions or need assistance, please contact FirstSouthEastMortgage.com Customer Support as follows:

Email: ANDY@FIRSTSOUTHEASTMORTGAGE.COM

We are accountable to YOU

Many mortgage originators you speak with actually work for a specific bank or mortgage lender whose profit interests come before your needs. We’re independent brokers who work for you and your interests. We partner with several lenders which gives us and edge in finding you the best rates and terms for your loan. We advocate with underwriters to make sure they fully understand all of your income and asset documents and special circumstances. Most importantly, we don’t earn a fee unless your loan closes so our incentives are aligned with yours.

We are not a call center

When you call us you are talking to only one mortgage expert who guides your loan application through the entire process from beginning to end. We take time to get to know you. We are also available the hours that you need us, whether it’s at 7:00 in the morning or 10:00 in the evening, we are there for our clients when they need us, not just during office or call center hours.

Technology

Our easy online application process is fully secured and means that you don’t have to meet us at an office to sign reams of papers. Most of our documents can be e-signed and additional documents can be scanned and emailed to us. You can do almost everything you need to from wherever your computer is; home, work, your favorite coffee shop or craft brewery.

Security

Your personal information is fully secured. By law, any personal information you share with us is strictly confidential – we can’t even share it with your real estate agent or attorney. In addition we do not sell or share your information with any other company or business.

Self-Employed specialists

A large percentage of our clients are self-employed. We work with you to make sure you understand how an underwriter will review your income and tax returns. We often will speak with underwriters before submitting the loan application to make sure that documents you provide will be acceptable or to find out what additional documentation may be necessary.

We are active in our community

Unlike national banks and online lenders, we are located in Florida and always contributing to our community. We have participated in many non-profit organizations by sitting on their boards, sponsoring events and donating time and money to make our community a better, more vibrant place to live and work. A quick list of some of our favorites include Friends of Broward Homeless, The American Heart Association, Florida Children’s Theater, Island City Stage ( We LOVE theater), Leadership Broward, City of Hollywood Planning and Zoning Board, AIDS Walk, SunServe, The Greater Hollywood Chamber of Commerce. The Greater Ft. Lauderdale Chamber of Commerce

Experience

First Southeast Mortgage has been in business for 35 years. Few in the mortgage industry can claim that kind of longevity and experience. We have survived the ups and downs of the real estate market by staying focused on our clients and their needs, not chasing quick profits.

ARE YOU LOOKING TO PURCHASE A HOME

IN ADDITION WE OFFER

Free Consultations

Free
instant approvals

Hard Equity Loans

I want to purchase a home. Where do i start?

Most people tend to call a real estate agent first so they can start shopping for a home. However, it is far more efficient to work with your mortgage originator first. Most realtors and sellers will want to know that a buyer is pre-approved for a mortgage before moving forward in their process.

6 EASY STEPS TO BUY A HOME

Do Your Research

Before checking out what’s on the market, you should know the amount of the loan for which you can qualify. Use our Pre-approval tool here. Once pre-approved you will receive a letter stating the qualifying loan amount along with assurances that your credit scores and assets are sufficient for loan approval.

Budget

Do you know what your budget is? Use our mortgage calculator to input various purchase prices and calculate an estimate of a monthly payments and a down payment that will fit your budget.

Shop For Your Home

Now it’s time for the fun part, shopping for your home. This is the time make your wishlist of wants and needs. Your real estate agent will help you pinpoint neighborhoods and homes within your price range and will then set up appointments to see your favorites in person.

Make Offer & Negotiate

Working with your real estate agent you will create a purchase agreement with your desired sale price, and other contract details. The seller will respond by approving the contract as is or by making a counter offer.

Inspection & Appraisal

It important to hire a professional to inspect the house from top to bottom and determine if there are any issues or problems that might make you think twice about purchasing. Your lender will require a home appraisal as well. This differs from the inspection as it determines the value of the property.

Close & Move In

Along with your real estate agent, we will help get proper documentation to your title agent who will supervise the closing. This is when you will wire the necessary funds for the down payment for your loan, plus closing costs and any other fees (if applicable) you may have pay to complete the purchase. Once all documents are signed you will be handed the keys to your new home!

We are one of the top rated mortgage companies in South Florida.

HELPFUL HINTS