The Dan O'Brien | Emerald Mortgage Partners Team is your premier mortgage team located in Lake Mary, Florida. We pride ourselves on offering some of the most competitive rates nationwide and making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area.
Dan made a big career decision in 1998 leaving The Golf Channel Production team for an opportunity in the mortgage business. Since then, he has helped hundreds of families realize their dream of home ownership. Now as a part of Dan O'Brien | Emerald Mortgage Partners, Dan continues to assist clients with his expertise in residential and commercial lending as well as advising on life insurance and financial planning.
Dan made a big career decision in 1998 leaving The Golf Channel Production team for an opportunity in the mortgage business. Since then, he has helped hundreds of families realize their dream of home ownership. Now as a part of Dan O'Brien | Emerald Mortgage Partners, Dan continues to assist clients with his expertise in residential and commercial lending as well as advising on life insurance and financial planning.
Services
Dan O'Brien | Emerald Mortgage Partners was established with one mission in mind: Making the tedious and complicated process of mortgage and lending simpler, easy to understand and straightforward. Taking it one step further, EFP also not only provides the knowledge and expertise during, but also after the sale, to ensure your loved ones and valuables are protected and secure.
Conventional loans are mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
FHA loans are an attractive option, especially for first-time homeowners because it is insured by the Federal Housing Administration (FHA). Primarily, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits. Rates on jumbo loans are typically higher than conforming loans. Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes. Typically Jumbo Loans require a higher down payment than traditional loans.
When you refinance, you pay off your existing mortgage and create a new one. You may even decide to combine both a primary mortgage and a second mortgage into a new loan with a refinance. Refinancing may remind you of what you went through in obtaining your original mortgage, since you may encounter many of the same procedures-and the same types of costs-the second time around.
Reviews (6)
Tiffany Canan
Nov 14, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
I was referred to "Dan, Dan the Finance Man" by a friend of mine. Dan made the daunting process so easy. He was always quick to respond and answered all of my questions, even some I didn't even know to ask! He is upfront and honest with his advice and opinions. I highly recommend Dan!!
I was referred to "Dan, Dan the Finance Man" by a friend of mine. Dan made the daunting process so easy. He was always quick to respond and answered all of my questions, even some I didn't even know to ask! He is upfront and honest with his advice and opinions. I highly recommend Dan!!
Jeff Tobolski
Sep 15, 2020
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Seminole Scuba
Aug 24, 2020
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Alyson Whalen
May 29, 2020
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Melanie OBrien
Dec 21, 2018
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Sandy Andrew
Sep 14, 2018
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