About Us

We are a Professional Mortgage Company.

Committed Knowledgeable and Experienced Mortgage Company ready to serve. professional Attitude, Over 20yrs Experience, Client-Centered Approach. Professional Service with Proven results . Quick Turnaround, Service You Can Trust. That`s Dream House Mortgage. Contact me Now To get you into your Dream House Soon. Call Today (305) 479-4994 Carlos Amador NMLS#364162

Our streamlined Process for Success.

Get Qualified Getting qualified before you apply for a loan can help you understand how much you can borrow. When buying a house, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. A pre-qualification is not as beneficial as a pre-approval where you have to go through a more rigorous process which includes verification of your credit, income, assets and liabilities. It is highly recommended that you get pre-approved before you start looking for a house. This will help you: Find out the maximum house you can buy, so you don't waste time looking for properties you can not afford. Puts you in a stronger position when you are negotiating with the seller, because the seller knows that your loan is already approved. Helps you close quickly, since your loan is already approved. Shop Loan Programs and Rates To shop for a loan you will need to: Think about how long you plan to keep the loan. If you plan to sell the house in a few years you may want to consider an adjustable or balloon loan. On the other hand, if you plan to keep the house for a longer time, you may want to look at fixed loans. Understand the relationship between rates and points. Points are considered to be prepaid interest and are tax deductible. Each point is equal to one percent of the loan. So for example 1 point on a $150,000 loan is $1,500. The more points you pay, the lower the rate you will get. Compare different programs. Shopping for a loan can be difficult. With so many programs to choose from, each of which has different rates, points and fees, it's hard to figure out which program is best for you. That's where an experienced loan officer can help you make a decision that's best for you. Obtain Loan Approval Once your loan application has been received we will start the loan approval process immediately. This involves verifying your: Credit history Employment history Assets including your bank accounts, stocks, mutual fund and retirement accounts Property value Based on your specific situation, additional documents or verifications may be required to improve your chances of getting a loan approval. Fill out the loan application completely. Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date. Do not make any major purchases. Do not buy a car, furniture or another house till your loan is closed. Anything that causes your debts to increase might have an adverse effect on your current application. Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us. Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, you may sign a power of attorney to authorize another individual to sign on your behalf. Close the Loan After your loan is approved, you will be required to sign the final loan documents. This will normally take place in front of a notary public. Be prepared to: Bring a cashier’s check for your down payment and closing costs if required. Personal checks are normally not accepted. Review the final loan documents. Make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. Sign the loan documents. Your loan will normally close shortly after you have signed the loan documents. On refinance and home equity loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close.

Learn more about the different Loan Types

Purchase Our philosophy is to not only build loans but build relationships, and help guide you through the steps necessary to achieve a successful real estate transaction. Step 1: Get Your Finances in Order Your credit reports are an ongoing summary of how you manage your finances. It is important to know exactly what your credit reports say about your financial history before you apply for a mortgage. Credit reports play an important role in the mortgage approval process. They determine the interest rate and other loan terms that a lender can offer you. To avoid any surprises, take a close look at your credit reports before you apply for a loan. Step 2: Get Familiar with the Mortgage Industry Finding the right loan is crucial to creating a positive home buying experience. We can help you understand what is available to suit your needs. Our in-depth expertise will help you make an informed decision and guide you throughout the entire process. 3: Get Pre-Approved for Mortgage Do you know how much house you can afford? Our Pre-Approval program can give you a competitive edge over other house hunters. Consider this scenario. A seller gets two similar offers. One is accompanied by a letter from GoGSF that states they are pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which purchase offer do you think the seller will consider first? Step 4: Determine Your Wants and Needs Once you get familiar with your real estate market and narrow down your wants and needs, you’ll find buying a home isn’t as difficult as you might think. Need some help? Our Go GSF purchase specialists can assist you every step of the way. Step 5: Learn to Work with Real Estate Agents Real estate agents represent buyers, sellers, or both–and in some states they can work as neutral facilitators for either party. It’s essential to understand agent duties and loyalties before you make that first phone call. Refinance. There has never been a better time to refinance your existing mortgage. Today’s fixed and ARM interest rates are the lowest in a generation and there are a wide range of refinance programs in existence that are new to the marketplace. To help determine what program is best for you, we offer the information below. Reverse Loans Our mission is to provide highest mortgage solutions at affordable prices with fast delivery and excellent customer service. FHA Loans Federal Housing Administration Loan (FHA), assists borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance. There are numerous refinance programs available through FHA from fixed rates to streamlined programs designed specifically for those holding a current FHA loan. Even if you hold a conventional mortgage, an FHA refinance may make sense as it typically has less stringent qualifications. Similar to conventional fixed-rate options, you can obtain an FHA fixed rate loan in a 30-year or 15-year option. The same benefits would apply as a conventional fixed-rate—the stability of a consistent rate over the course of a loan. Also, credit requirements may be less stringent if you are concerned about qualifying under conventional guidelines. Basic Profile: 1 Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal. 2 Up to 97.75% loan to value (LTV) for a rate and term refinances. 3 Up to 85% loan to value (LTV) for cash out refinances. VA Loans Veteran’s Affairs (VA) loan. The VA loan is an excellent loan that can assist our veterans who may want to refinance to take advantage of a lower interest rate via an interest rate reduction refinance loan (IRRRL) or cash out. If you currently hold a VA Loan or are eligible to move to one, there are also several available refinance options. Cash-out Refinance This program is designed to help you tap into the equity in your home. Perhaps your property has increased in value since your purchase and you’d like to take some of the equity to help pay off other bills. This loan will allow you to access up to 90% of your home’s current value. Rate-Term Refinance A rate-term refinance is for an eligible borrower that may be currently in a conventional or ARM that wishes to move to a VA loan. This program offers the ability to finance up to 100% of the property’s value and never requires mortgage insurance. This is a fixed- rate loan and provides the same level of stability as other fixed- rate products. This can ultimately help a borrower save on monthly payments while incurring very minimal out-of pocket expenses. Interest Rate Reduction Refinance Loan (IRRRL) This is a streamlined program for those borrowers currently in a VA loan. It is designed to help lower interest rates, change the overall terms of the loan such as moving from an ARM to a fixed-rate. There are typically no out-of-pocket expenses and no appraisals are required. Another great benefit of this program is that documentation requirements are eased and processing is usually quick. Basic Profile: 1 Up to 90% of the home’s value for cash out. 2 VA interest rate reduction refinance loan (IRRRL) simplifies the refinance process. Cash out not allowed. 3 Second home and investment properties allowed with the VA interest rate reduction refinance loan (IRRRL). See your Movement Mortgage Loan Officer for details.

Amenities

Free consultation
Parking available
Wheelchair accessible
Wifi on the premises
Spoken languages:
English, Spanish

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Areas Covered

Florida

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