5.0
Google rating
Primary residence · Florida
The home you’ll
live in.
If you are buying or refinancing the house you will call home, MaryAnn walks you through every option in plain terms and shops the market on your side of the table.
Florida licensed · Many lenders, one application · Clear terms
22
Client reviews
Florida
Licensed broker
Lender for life
Support past closing
Home loan programs
Financing matched to the goal
Whether it is your first home or your next one, MaryAnn matches the loan to your plan and explains the trade-offs before you decide.
Explore →
FHA loans
Lower down-payment options and flexible credit guidelines for first-time and returning buyers.
- Lower down-payment options
- Flexible credit guidelines
- Renovation financing available
Explore →
VA loans
A benefit earned by service, with no down payment and no monthly mortgage insurance for eligible borrowers.
- No down payment for eligible borrowers
- No monthly mortgage insurance
- For eligible veterans and service members
Explore →
Conventional
Fixed-rate financing for strong-credit buyers, including options above county loan limits.
- Fixed-rate terms explained plainly
- Jumbo options above county limits
- Guidance through closing day
More ways to buy
Programs
beyond the big three
Self-employed and commission income
If you are self-employed, a contractor, or paid on commission, your tax returns may understate what your business actually earns. There are four routes that qualify you on bank statements, a profit-and-loss statement, or your assets rather than on adjusted gross income. See how self-employed home loans work.
USDA loans
USDA loans finance eligible homes in rural and many suburban areas with no down payment for qualified buyers. Eligibility depends on the property location and household income, and MaryAnn will check whether the home you are considering qualifies before you get too far down the road.
One-time-close construction
Building rather than buying? A one-time-close construction loan combines the construction financing and the permanent mortgage into a single closing, so you sign once and avoid a second round of paperwork and closing costs when the home is finished.
Residential bridge
A residential bridge loan can help you buy your next home before your current one has sold, so you are not forced to move twice or make an offer contingent on a sale. MaryAnn will map the exit plan up front so the short-term financing has a clear end date.
Down-payment assistance and first-time buyers
First-time buyer and down-payment-assistance programs can lower the cash you need at closing. Availability and terms vary, so the first step is a plain-language look at what you qualify for and what each option actually costs over time.
Home loans for a house you intend to live in are available in Florida, where Ease Mortgage is licensed by the Florida Office of Financial Regulation. Eligibility, terms, and program availability are subject to lender review.
Questions
Straight answers
for buyers
The questions people ask most before a first conversation. Anything else, just call or text.
Which loan is right for me?
It depends on your goals, your credit, and how much you want to put down. The first conversation is about matching the program to your situation, whether that is FHA, VA, conventional, or one of the other options, not steering you toward one product.
Do I need perfect credit to buy a home?
No. Different programs fit different credit profiles, and some are designed with flexible guidelines. The first step is finding what fits yours rather than a sales pitch.
How much do I need for a down payment?
It varies by program, and some options are built for lower down payments. MaryAnn will show you the real numbers for the programs you qualify for before you commit to anything.
What does working with a mortgage broker cost?
In most cases the broker is compensated by the lender you choose, and every cost is disclosed up front before you commit. You will see the numbers before you make a decision.
Do you help buyers outside Florida?
Home loans for a house you will live in are available in Florida. If you are financing an investment property, business-purpose loans are available in most states, so ask about yours.
Buying it to rent out?
That is a
different loan
Everything on this page is for a home you will live in. Business-purpose investor programs qualify on the deal rather than your pay stub, can close in an LLC, and are available in most states rather than Florida alone.
Explore investor loans →
Free consultation and resources
Let us find your fit
Call or text MaryAnn directly, or schedule a time that works for you. A real advisor, no obligation.
(407) 383-2350
Ready to apply? Start your application online (opens in a new tab)