Pensacola Mortgage Brokers | Mortgage Brokers Pensacola | Mortgage Broker
The Lowest rates and fee Pensacola mortgage broker in Pensacola FL.
EquiFund Mortgage rates are 1% less than most banks and brokers without points and buy downs.
EquiFund Mortgage has served Pensacola homeowners and buyers for over 22 years. We guarantee our clients get the lowest interest rate and fee mortgage loan in our marketplace.
See real loan offers in 3 minutes using EquiFund's Online Lowest Interest Rate & Fee loan finder.
This video will explain how this can help you.
EquiFund Mortgage Qualifications:
- Serving Pensacola FL for over 22 years
- 5 Star Google Reviews from our clients
- A+ Rated Better Business Bureau
- Offers The Lowest Interest Rate & Fee Guarantee
- Licensed NMLS # 1070755
- 30 year Fixed Rates 1% lower than most banks
*For more details read review below
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
Rates 1% lower than most-EquiFund's Online Mortgage Rate Finder
EquiFund's automated mortgage app only takes 3 minutes to locate the lowest mortgage rate and fee loan in our marketplace.
The mortgage app will calculate every possible loan option with all of our lenders. The mortgage app will identify the lowest Pensacola mortgage rate and fee loans from all of the pre-qualified loan options and display all mortgage rate information and loan terms in one user session online.
Using our automation, we are able to avoid paying costly loan originator commissions, and give you that cost savings in the form of the lowest rates and fees mortgage loan guarantee in our market.
The conveniences online mortgage offers are: lowest interest rate and fee guarantee, mathematical accuracy, increased loan savings, and a simplified online portal to safely shop, compare, select and close your loan request all within one company.
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
What are the fees EquiFund Mortgage brokers charge?
EquiFund Mortgage does not charge any fees. The lender with the lowest interest rate and fees agrees to pay us to originate, process, underwrite and fund your loan request within 30 days or less.
- No Origination Fees
- No Underwriting Fees
- No Processing Fees
- No Mortgage Broker Fees
Questions to consider when hiring a Pensacola Mortgage Broker
With your home being your largest investment and the mortgage is your largest debt, selecting the wrong broker could have a significant financial loss by not capturing the best deal in market for you.
The cost savings difference between an average rate loan compared to the best rate loan is approximately 10% of the loan amount.
What Fees do traditional Brokers charge in Pensacola Florida?
Pensacola FL brokers typically charge 2-2.75% of the loan amount as a mortgage broker fee. The broker fee covers the cost to originate, process, and complete your loan request. The average Pensacola FL mortgage broker fees are summarized below.
- 2-2.75% Mortgage Broker Fee
- Underwriting Fees $750-$1,000
- Processing Fees $550-$900
What could happen if I choose the wrong Broker?
If you choose the wrong broker you could risk not capturing the lowest interest rate and fee mortgage loan in our market. The financial loss of not getting the best loan in the market is equal to $ 32,040 on average. The mortgage app guarantees you will capture the best mortgage deal in our marketplace.
Brokers who do not have automation lack the ability to calculate every possible loan option.
If the Broker does not have years of experience and strong work ethic the closing of your loan can be delayed and cause a lot of stress.
Important factors to consider when hiring a broker
- Do they fully understand underwriting guidelines?
- Do they over submit unnecessary documents causing prolonged underwriting?
- Do they know which mortgage lender has the best rates and lowest cost?
- Do they overlook critical questions up front that cause major delays later?
The value of finding the right mortgage broker, is as important as finding the right highly skilled attorney.
We understand that both time and money are the two most sought after assets we seek in our lifetime.
This is a list of important questions to ask when selecting a Pensacola FL Mortgage Broker
- How many years have they been in business?
- How many years of experience does the Loan Originator have?
- What process do they have for to insure they have the lowest rate mortgage lenders?
- Do they use any automation to reduce man hours?
- Do they pay costly commissions to their Loan Originators?
- What does their reviews and ratings say?
- Do they offer online mortgage rate checks to compare rates?
Identify Lowest Rate Loans – and do it all online. You can get real, customized Loan Offers matched to your profile.
See Lowest Lender Rates
Why should I use EquiFund for my Pensacola mortgage?
EquiFund Mortgage Brokers in Pensacola has helped over 50,000 homeowners since 1998 with home loans for purchasing homes and mortgage refinancing.
EquiFund puts the clients needs first. We have a perfect track record for the last 22 years.
Please read full review at the Better Business Bureau rated A+ and our verified 5 Star rating with Google Reviews.
EquiFund is 100% committed to providing our customers with the lowest interest rate and fee home loans and an on time stress free loan closings.
We are Pensacola's only automated mortgage company that delivers the lowest rates and fees on Pensacola mortgage loans.
Why is EquiFund considered the best mortgage broker in Pensacola FL?
EquiFund uses automation that compares 100's of home loan options through National lenders to capture the lowest rate and fee loan for you.
Using EquiFund's mortgage app, we are able to lower our labor cost by 70%. This labor cost savings is passed back to you.
EquiFund's goal is to lower the cost of home loans to zero. With automation and your help, we will get there,
EquiFund has the only lowest interest rate fee mortgage loan guarantee in Pensacola, FL. for your purchase or home refinance.
Understanding that traditional mortgage brokers have the ability to give their clients a really good loan, does not mean that they always do. Finding the right broker for your Pensacola mortgage is a very important decision.
Who are the lenders EquiFund use?
EquiFund Mortgage Lenders in our Network
- Freedom Mortgage
- Loan Depot Mortgage
- AmeriSave Mortgage
- HomePoint Financial
- Penny Mac Mortgage
- Change Lending
- Plaza Home Mortgage and more
We also monitor lenders mortgage lenders offering a wide range of programs for home purchase and home refinance, that allow us to approve more home loans with mortgage rates that are better than else where.
In order to provide our Pensacola FL clients the absolute lowest interest rate fee mortgage loan guarantee we constantly review 100's of mortgage companies and lenders daily rate sheets, and select the lowest best priced mortgage lenders to use in our automated online rate finder.
What are the loan products offered at EquiFund have?
EquiFund offers conventional loans, FHA, VA, USDA, Jumbo and more. Please see the complete list below.
We offer all loan programs. The loan products offered are listed below.
- No Credit Score FHA & VA Mortgage Refinance
- FHA and VA Mortgage Loans with 550 credit scores
- Self Employed Limited Income Documentation
- Self Employed Bank Statement Programs
- VA 100% Mortgage Financing
- Investor No Income No Asset Loans
- Conventional home loans
- Jumbo home loans
What is the mortgage loan process used at EquiFund Mortgage?
To initiate your home loan inquiry, you can either call us directly and talk with one of our experienced licensed mortgage loan originators or you if you would simply like to see just how low our interest rates are, you can apply online and get instant home loan results. In short, a brief loan process flow is listed below:
- Make Initial Loan Inquiry Online or over the phone
- Review loan options and loan terms
- Identify the loan terms that meet your objective
- Select your loan option, and gather required documents
- E-Sign Initial Mortgage Loan Disclosures
- Submit your required mortgage loan documents
- Work with your assigned loan originator to clear conditions
- Review your Closing Disclosure to verify fees and terms
- Schedule and attend mortgage closings
Can I call EquiFund's mortgage team to provide me a quote for a purchase or refinance loan?
Yes you can call EquiFund Mortgage direct at (904) 368-6658 and one of our team members will be happy to recommend the correct loan program for you. They will provide you with a loan quote both over the phone and email for your records.
How to get pre approved for a Pensacola mortgage loan?
If you would like to get pre approved for a mortgage, you can simply access our online mortgage loan application. This mortgage app will return immediate loan option results. You can learn more about getting pre-approved for a Jacksonville Mortgage Loan by reading our article on how to get pre approved.
Broker vs. Lender Facts?
Can Mortgage Brokers close loans as fast as mortgage lenders in Pensacola?
Yes. Mortgage Brokers have the ability to move the business to the lowest rate fee lender that has the fastest underwriting to close time. In many cases, mortgage brokers can close loans faster than Pensacola mortgage lenders.
Do lenders have lower interest rates then mortgage brokers in Pensacola Florida?
No. Mortgage brokers are provided lower than average interest rates. Our interest rates are wholesale rates. Wholesale interest rates are lower than the lenders retail interest rates.
Pensacola Mortgage Lenders have higher interest rates then mortgage brokers.
Just like travel agents that price airline tickets for several airlines to get clients the lowest fares, mortgage brokers receive lower interest rates that what the same mortgage company would offer you if you called them directly.
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
Do mortgage brokers always pass the interest rate savings over to the client?
No some mortgage brokers, will use the lower interest rate the lender provides to make additional profits.
Does EquiFund Mortgage Broker in Pensacola Florida pass the rate savings to the client?
Yes, EquiFund passes the saving in interest rate back to their customers. We are able to pass this interest rate savings back to the customer because we have spent years developing an automated mortgage app that reduces man hours and simplifies the lending process.
Should I use a mortgage broker or mortgage lender?
Use a qualified mortgage broker. Brokers can compare lenders rates and fees, and search for the best loan products for you.
Using an automated broker will deliver the best results.
Mortgage brokers have the ability to get more home loans approved because they use multiple mortgage lenders underwriting guidelines.
The process of shopping for your best home loan can be a bit difficult and we understand that. Knowing the added value and peace of mind that you need whether you are purchasing a home or refinancing your home is so important. For any Florida mortgage needs, consider EquiFund as a reliable source for financing.
At EquiFund we place the highest demands upon ourselves to provide you with the lowest interest rates and fees and a very fast and painless loan closing process in a very timely manner. We hope this article was insightful for you.
Please feel free to use our online apply now, to verify your eligibility and see for yourself why EquiFund Mortgage Brokers in Pensacola FL is a verified 5 Star Google Reviewed company.
Identify Lowest Rate Loans – and do it all online. You can get real, customized Loan Offers matched to your profile.
See Lowest Lender Rates
Are you looking for more information on the Pensacola area and mortgage lending links?
Pensacola offers a very nice quality of life for everyone. Pensacola has a nice selection of attractions to explore, not to mention amazing beaches that sit on the Gulf Coast.
There are plenty of outdoor activities like fishing, kayaking, paddle boarding and more. The city is also offers several museums and galleries, like the National Naval Aviation Museum, T.T. Wentworth Jr. Florida State Museum, and the Pensacola Museum of Art.
There's an active nightlife scene that has great live music venues, theaters, clubs and restaurants that offer everything from traditional to exceptional seafood dishes. There are plenty of shopping options ranging from high-end boutiques to local shops.
These links provided below will give you some exceptional information on Pensacola area attractions, parks, City services and mortgage lending regulations, Federal Government Insured Programs like FHA, VA and USDA. We have also included a link to the Consumer Financial Protection Bureau which serves as a regulatory catch all for any consumer concerns and educational needs that relate to mortgage lending and consumer finance.
- Pensacola City Hall : Pensacola FL City Hall has a large list of resources available to explore. You will find Pensacola FL recreational information like Pensacola Parks and Recreation, activities, Pensacola Events and Activities, Business Resources, and so much more to explore.
- Mortgage Lending Resources: This sites can guide you with different eligible mortgage loan programs backed by our Federal government. U.S. Department of Housing and Urban Development HUD.gov Homebuyers Know your Rights, Federal Housing Administration FHA.gov, Veterans Administration VA.gov
- Mortgage Lending Compliance: This site is intended to provide assistance with any concerns you may have with financial service providers. They are also a great source of educating consumers on important financial decisions you may make Consumer Financial Protection Bureau
