Our Services

Buying a home, refinancing an existing loan, or needing some cash for the special project all require different types of loans. We at Exclusive Mortgage have a program to meet your lending needs. Take some time to learn which program is best for you from the information below..

Exclusive First Mortgage

As the name indicates, these are loans for first time purchases of a given property. Here is an area of lending where the expertise of Exclusive Mortgage professionals becomes a substantial benefit for you. Obtaining first time financing is not as straight forward as second mortgages and refinancing. Lending institutions vary greatly in their qualifying requirements, so to find the right lender demands knowledge and experience. Below are two types of first mortgage loans that you should be aware of.

Fixed Rate
Fixed-rate mortgages remain the most popular type of loan. These loans have rates that are fixed for the term of the mortgage, so your monthly payments never change. Ask us for more information on these mortgages.

Adjustable Rate Florida Mortgages
Adjustable-rate mortgages start out with a lower interest rate than a fixed-rate loan. However, your rate is impacted by fluctuations in the market index. As the index increases or decreases, your payments will also change at scheduled adjustment periods. As a consumer protection method, there are "rate caps” to limit the amount your mortgage can go up or down.

Exclusive Special Programs
In the world of commerce and technology, there is always a way. Some customers that have special needs that can be satisfied by Exclusive professionals. We can locate special programs offered by lending institutions that specialize in credit problems, FHA or VA loans, low down payments options, affordable home loan programs, and more.

Exclusive Second Mortgage (Home Equity) Loans

Your home has value in the form of equity that is as good as money in the bank. From the moment you closed on your home it should have begun to appreciate in value. Every payment, improvement, or renovation you make adds to your home’s equity. Here are some good reasons for Borrowing against the equity in your home

• Obtain cash needed to pay or consolidate bills.
• Renovating your home, or adding to it.
• Paying for your child’s college education.
• That vacation you have not been able to take.
• Start a business.

Exclusive Refinancing

Another important service that Exclusive Mortgage offers is refinancing your home. This is simply finding a new lender to finance your home again as if your where buying it for the first time. A bid difference us that you have equity in the home, which make the process much simpler. Bellow are a few reason why refinancing is a good consideration.

Reduce the term of your mortgage – By allowing Exclusive Mortgage to refinance your loan to a shorter-term loan, you can save thousands of dollars in interest over the life of the loan.

Reduce interest rates – Another great reason to refinance your home is found in taking advantage of a lower interest rate.

Downpayment Assistance Program

One of the most prevalent reasons why people fear buying a home is the lack of on hand cash needed for a down payment. Depending on the value of your home and the amount being funded by a lending institution, you may be required to have thousands of dollars on hand that you do not have.

Exclusive mortgage can help you in this situation through special programs designed to facilitate your down payment needs.

Exclusive Educational Seminars

If you have ever tried to obtain financing on your own, then you are very aware of the complexities of finding a lender. Exclusive Mortgage offers a variety of seminars designed to help you understand the borrowing and lending process, as well as what it takes to obtain the funds you need.