At Palm Lending we work tirelessly to help those living in Texas and Florida find the right financing options for their home purchase or refinance. With our 11 years of experience, we understand that no two home buyers are the same and we are experts at finding the right loan options for you.
We dedicate ourselves to delivering outstanding customer service through a consultative approach by providing all the information needed to make the best financial decision.Whether you are looking to purchase your first Texas or Florida home, refinance a current mortgage, or consolidate an outstanding debt, we will discuss your overall financial goals and present you with multiple solutions.
We dedicate ourselves to delivering outstanding customer service through a consultative approach by providing all the information needed to make the best financial decision.Whether you are looking to purchase your first Texas or Florida home, refinance a current mortgage, or consolidate an outstanding debt, we will discuss your overall financial goals and present you with multiple solutions.
Services
At Palm Lending, we put the customer first - we are looking to build a lifelong relationship because we know you'll count on us to deliver the best service for all your mortgage needs! We are committed to making the loan process easy and affordable for our customers and we keep your best interest in mind with every decision we make.
An ARM is a mortgage with an interest rate that may vary over the term of the loan - usually in response to changes in the prime rate or Treasury Bill rate. The purpose of the interest rate adjustment is primarily to bring the interest rate on the mortgage in line with market rates. Mortgage holders are protected by a ceiling, or maximum interest rate, which can be reset annually.
Borrows often lock into 3 to 10 years of fixed rate payments before the initial interest rate change. At the end of the fixed period, the interest rate adjusts annually. Fixed-period ARMs are typically tied to the one-year Treasury securities index: 3/1, 5/1, 7/1 and 10/1. ARMs with an initial fixed period beside of lifetime and adjustment caps usually have also first adjustment cap.
Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae (FNMA) and Freddie Mac (FHLMC). Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community. Every year, form October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.
With a fixed rate mortgage, the interest rate does not change for the term of the loan, so the monthly payment is always the same. Typically, the shorter the loan period, the more attractive the interest rate will be. Payments on fixed-rate fully amortizing loans are calculated so that the loan is paid in full at the end of the term.
Reviews (11)
Gray Hyde
Oct 02, 2021
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My wife and I worked with Doug Presley to do a cash out Refinance on our home. Doug was Attentive, Professional and well organized. He kept us well informed throughout the process with constant communication. The team he works with are very courteous and friendly. It was a very smooth process from start to finish, I would highly recommend Doug Presley and his team for all your mortgage needs. Thank you Palm Lending----Kim & Gray Hyde
Claire Matthews
May 31, 2021
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Positive: Professionalism, Responsiveness
Such a great experience using Axia Home loans! As first time home buyers, we had a lot of questions, and Matt & team were always quick to answer them. They made sure we were in the loop every step of the way, and we really appreciate all their efforts! Would highly recommend to others.
Such a great experience using Axia Home loans! As first time home buyers, we had a lot of questions, and Matt & team were always quick to answer them. They made sure we were in the loop every step of the way, and we really appreciate all their efforts! Would highly recommend to others.
Kevin Kelley
May 28, 2021
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Danielle Havins
Aug 13, 2019
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Nick Choi
Oct 13, 2018
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Richard Dude
Oct 09, 2017
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Jamie Wettengal
Aug 31, 2017
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Started with Travis in January of 2016 when I was told that I had some credit repair to do. Travis made suggestions and, with those suggestions, I brought my score up about 100 points by April. I then called Travis back, he re-ran everything and I was good to buy a house with my current score.
We ran into many mountains that we had to conquer to get this done and, for an entire year, Travis was cheering me on. He dealt with all of my frustration and misdirected anger and we moved forward.
Today we closed on my first home because of Travis's persistence, commitment, and faith. Everything was as
We ran into many mountains that we had to conquer to get this done and, for an entire year, Travis was cheering me on. He dealt with all of my frustration and misdirected anger and we moved forward.
Today we closed on my first home because of Travis's persistence, commitment, and faith. Everything was as
Chris G.
Nov 01, 2015
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I have purchased two homes and refinanced one with Palm Lending. Jason and his team have always been honest and professional. Jason always took the time to answer questions and explain items as they came up. He kept me up-to-date throughout the purchasing process, and answered every phone call.
I've had poor experiences with other Mortgage Brokers in the past, so I always double check everything. I even sent all our documents (before signing) to a family friend that has a degree in finance and is herself a Mortgage Broker and licensed Real-Estate Agent. Her reply always came back that
I've had poor experiences with other Mortgage Brokers in the past, so I always double check everything. I even sent all our documents (before signing) to a family friend that has a degree in finance and is herself a Mortgage Broker and licensed Real-Estate Agent. Her reply always came back that
Anthony G.
Jan 09, 2015
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Everything started out great, but the situation quickly unfolded, deadlines were missed, deliverables were not met, and material information changed. The closing process was very tough, extended on multiple occasions, communication was not present, and we were shocked to see how much more cash we needed to bring to close the loan because of what was originally promised. We would caution everyone to be very careful if you think you are going to get a good deal with this lending broker.
Bryan A.
Dec 24, 2013
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Nancy C.
Mar 30, 2013
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My husband & I used Palm Lending when we purchased our current home. It was such a great experience, we came back 4 more times to refinance. How many Banks do you know that will call you to tell you it's time to refinance? Travis is wonderful and very professional in the handling of his accounts. We give them the highest recommendation possible because they're that good. Give them a try on your next purchase or refinance. You won't be sorry that you did. I'll never use anyone else!
