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                  "Complete Real Estate Counseling Approach" 

       Looking forward to helping you with you Real Estate and Financing Needs.
                      South Atlantic Mortgage Corporation
                                                               Licensed Mortgage Lender

               Offering products from these and other top institutions

                                              

                                 

                               
       
Omar H. Scandura
Mortgage Consultant
                                                               Direct Phone: (305) 962 4532
                                                               easyloan@MiamiRealtyShow.com

            * See disclosures and why I offer you my help, service and experience with mortgages 

Apply  Now Online 

Aplique ahora aqui mismo

What do you need to get a loan? Vea la breve lista de requerimientos
About South Atlantic Mortgage Corp Quien es South Atlantic Mortgage Corp


           
            Below are some examples of the many programs we are providing to borrowers. We have products available for all different financing needs.

Please tell me about your specific situation and I will find you the best program, guaranteed.

We offer a complete selection of loan products. Too many to list here. Just a sample:

Fixed Rate Loans (15, 20, 25, and 30 years)
One-Year Adjustable Rate Mortgage (ARM) Loans
Six-Month LIBOR Adjustable Rate Mortgage (ARM) Loans
Intermediate Adjustable Rate Mortgage (ARM) Loans (3/1, 5/1, 7/1, 10/1)
Jumbo and Sub Prime Loans
Fannie Mae, Freddie Mac, FHA Loans
3% Down Payment Programs
Second Mortgages and Equity Lines
Foreign National Mortgage Programs

             The importance of being Pre-approved: (Not pre-qualified. Big difference)

                  Having your mortgage financing pre-approved means you can: 

                               + Shop more confidently. 
                                       + Put in a more aggressive offer
                                              + Present the seller more attractive terms
                                                    + Negotiate a better price!

                    Getting  pre-approved for a mortgage can save you time and money and improve your chances as a buyer. 

                    You may start your pre approval process right here on line.
                                              Fill up the short form below.

         We'll generate a preapproval letter for you after you provide us with the information required.

                                                                                 (305) 962 4532
  Foreign Nationals click here.       Prestamos para extranjeros, presione aqui
             
US CITIZENS/RESIDENTS 

FILL UP THIS SHORT FORM TO EVALUATE YOUR FINANCIAL NEEDS. 
   5 minutes could save you thousands of dollars.

FREE, NO OBLIGATION. It could only help you.

Your information will only be made available to parties involved with the handling of the mortgage you've requested and authorized us to obtain qualification for. We do not sell, distribute or make this information available to parties outside of the transaction. 

  Personal Information
   
Your Name(First, Last):
Home Phone:
Work Phone:
E-Mail:
Fax:
Best Time to CAll:
Property Location
City:
State:
Loan Request: $
If "other" (Please type here)
Loan Amount Desired: $
Loan Type:
Annual Household Income: $

Credit History:
 
 Purchase Section
   
Status:
If "Other" :
Purchase Price Range:
And
Down Payment Range:
And
 
  Refinance Section
   
Property Value: $
Existing Loans on Property:
1st 2nd 3rd
Reason For Refinancing:
If "Other" :
Current Loan Type:
If "Other" :
 
 
 Second Mortgage Section 
   
Loan Type::
If "Other" :
Existing Loans on the Property:
1st Loan Balance $
2nd Loan Balance $
Reason for Loan:
If "Other" :
General Comments:
 
   
 

By submitting this form with your telephone number you are consenting for this website's authorized representatives to contact you even if your name is on the Federal "Do not call List"

Thank you for submitting your information. We will be in contact with you by phone or email.

                CHECKLIST. See What information is necessary? 

                             Loan Application Checklist
               

  •   A copy of your sales contract, signed by both you and the seller;
  •   W-2 forms and tax returns for the last two years.
      One or two recent pay stubs;
  •   One or two months worth of statements from any of your savings, checking, or brokerage accounts;
  •   If you are self-employed, supply an up-to-date financial statement;
  •   If self-employed, at least 1 year most recent tax returns, including all schedules and a year to date profit and loss statement;
  •   If you are divorced, include a copy of your divorce decree and custody agreement.

If Refinancing, You will also need:

  •   A copy of your warranty deed and/or deed of trust or mortgage document.
  •   A copy of your homeowners insurance policy.
  •   A copy of your current mortgage holder's payment coupon.
  •   A list of debts that you wish to pay off, including name and account number of  creditor, if you are consolidating some debt.
  •   A list of and estimates for any home improvements you wish to finance with this transaction, if any.

When you have organized the documents listed above, assuming you have filled out the online application, fax your paystubs and w2's to (305) 672 0016 the rest of the documents can be sent back with the loan package.

I will order your credit report and Your approval letter can be available within a day via email or fax.

        * Real Estate Agents: Should they offer mortgages?

Many real estate agents who want to offer mortgages do not have the knowledge required to do so, and are only after increasing their commissions.
 
Helping my clients evaluate and qualify for the best financing programs that will serve their interest and fit their financial needs is part of achieving the dream of home ownership and to maximize your investment dollars.

There are multiple considerations to evaluate when choosing a lender or signing up for a multi year commitment.

My knowledge in the financial arena, plus my association with a leading lending company with access to hundreds of the best programs available, allow me to offer you full service and results for all your financing needs:
                    
"Eight out of ten buyers want their agents offering mortgages or title insurance, and would use the "One Stop Shopping Process" if their agents offered it".

The above statement is base on the desire to simplify the home buying process, according to a survey conducted in March 2002 by Harris Poll.

Today's successful agents are using this trusted relationship to expand the number of services offered to buyers.

Staying in compliance with state and federal laws is paramount for me as a Realtor. 

Disclosures

I am an independent contractor with South Atlantic Mortgage Corporation (SAMC) and may receive compensation for services rendered. All specific disclosures necessary for you to know where I may be receiving compensation for services I will perform will be made at the appropriate time. I may only receive compensation for "Services actually performed by me" NOT for referring you to specific financing programs without performing any duties. Feel free to consult other sources and compare my offers.

Most states permit real estate agents to offer mortgages to consumers even if the agents represent a buyer or seller.

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Useful Links in this site:

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Request Free Reports for Buyers
Search Communities               
Resource Center . Many articles and tools for Buyers        
Search for Schools     
New Construction in Miami

Latest news about mortgages: click here


Useful Links in the Web:

For current FHA mortgage loan limits,
visit:               https://entp.hud.gov/idapp/html/hicostlook.cfm

Facts about Mortgages:
visit:               Fact for consumers Report. Prepared by government agencies.


Reportes acerca de Hipotecas.

Buscando la Hipoteca mas favorable?
oprima:    Vea este reporte preparado por Agencias del Gobierno


Links relacionados con Hipotecas. Internet:

Lanzamiento de nuevo sitio de HUD en Espanol:

oprima:        http://www.rismedia.com/index.php/article/articleview/4225


Omar H. Scandura, Realtor, e-PRO
 Mortgage Consultant
 MailTo:Buy@MiamiRealtyShow.com
One Stop Real Estate System
in Miami and Broward
               
   Carson Realty Group,Inc             South Atlantic Mortgage Corp
 (305) 962 4532

Nothing on these pages is to be interpreted as legal, accounting, tax, banking, or investment advice.
Anyone seeking such advice should consult a properly qualified and accredited professional.