Don't go shopping for a new home before you know exactly how much you can afford! You might have a general idea of how large of a monthly mortgage payment you can afford in your next Central Florida home, but will the mortgage company and underwriters feel otherwise? It's always best to pre-qualify for a mortgage in Central Florida so you know exactly how much a financial institution would be willing to lend you.
Be prepared for your next home purchase. Get Pre-Qualified with Butler Mortgage! Are you thinking you're not getting any younger and you still can't afford to actually buy a home? Well think again. The USDA home loan program offers you zero down payment, lowest monthly installments and the lowest possible rates compared to other home loans.
Be prepared for your next home purchase. Get Pre-Qualified with Butler Mortgage! Are you thinking you're not getting any younger and you still can't afford to actually buy a home? Well think again. The USDA home loan program offers you zero down payment, lowest monthly installments and the lowest possible rates compared to other home loans.
Services
Butler Mortgage was established in 1994 to serve the residential mortgage lending needs of the people of St. Cloud, Kissimmee, Harmony, Lake Nona and throughout Osceola and Orange counties. We have had the pleasure and privilege to work with thousands of our neighbors, and have built deep roots as a trusted business in our community.
Upon graduating from Babson College in Boston, Massachusetts in 1989, Howard settled in Central Florida and immediately went into banking. After gaining valuable experience in the mortgage field, he started Butler Mortgage Inc. in 1994 along with Harry Urban. Howard firmly believes in the concept of making every customer a "Raving Fan" by going above and beyond the level of service normally expected of someone in the mortgage business.
Conventional mortgages are some of the most popular mortgage options on the market. While they conform to the guidelines set forth by quasi-governmental agencies, Fannie Mae and Freddie Mac, they are neither insured nor guaranteed by the federal government. Options for conventional (also called "conforming") mortgages include both fixed-rate and adjustable rate mortgages.
Available for single family and multifamily homes, FHA loans allow those who might not qualify for a conventional mortgage to obtain a loan, especially first-time home buyers. These loans offer low minimum down payments, reasonable credit expectations, and a higher tolerance for debt to income ratio requirements.
A USDA loan (also called a Rural Development Loan) is a government insured home loan that allows you to purchase a home with NO Money Down. USDA loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan. USDA offers some of the lowest rates of any loan, and you will always have a fixed interest rate.
Reviews (12)
Rose-Laure Valentin
Oct 31, 2021
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David Graham
Oct 03, 2021
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Matthew Maloney
Sep 03, 2021
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William Rogers
Jul 24, 2021
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Cope Man
Jul 17, 2021
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Where do I begin? When my wife brought up looking into buying a house, I immediately dreaded it. I did not want to look into buying a house because I thought it was going to be beyond stressful. However, we were recommend to Howard at Butler mortgage and he went above and beyond any expectations my wife and I had. Howard sat with my wife and I the first day we met and explained he would be looking out for us like if we were his own children. From then on out, Howard, Josh, and others from the team bent over backwards for us answering calls at any time of the day, any day of the week. Howard found
Elah Agosto
May 31, 2021
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I truly recommend these lenders. I was so amazed on how Howard handled everything and how I managed to close in my new home in as quickly as two weeks. He made sure I had all I needed and helped everything run smoothly. Howard did an exceptional job. I am truly blessed and thankful I chose him to work my file after a horrible experience with another lender
Bilyana Gavrilova
May 05, 2021
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I am impressed by Howard’s professionalism, integrity and customer relations. In today’s competitive world, it is incredible to find someone like Howard who you can feel safe and comfortable with to disclose all your cards and trust that they will act in your best interest.I am sincerely thankful for the time, efforts and care Howard took answering my questions and helping me make the right decision.
Nellie Morris
Apr 26, 2021
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I was a first time buyer, seeking a home and Vicki and her team at Butler Mortgage were AMAZING!!! they really took their time with me and explained details with me thoroughly. The customer service was outstanding and they really fought hard for me, to ensure that I came out with the best deal possible. I truly appreciate their hard work and will recommend their services to anyone. Thank you Butler Mortgage for all your hard work and making me one of the happiest first time home owners EVER!!!
Theodor Kim
Aug 28, 2020
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Howard is very polite and has an excellent work ethic. He made sure to stay in very close contact to fully understand my needs and to see where he could provide the most value. He was quick to communicate any changes or new information which really eliminated unknowns and took me out of the dark. All this really eased the stress of buying a new home!
Howard was by far the most valuable player in my home buying process and I would recommend him to anyone looking to buy a home. Thanks!
Howard was by far the most valuable player in my home buying process and I would recommend him to anyone looking to buy a home. Thanks!
David H.
Sep 06, 2018
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Howard Chanin and his team at Butler Mortgage did a phenomenal job with my mortgage loan. I was concerned at first in dealing with a company that wasn't located where I live in Sarasota, but Howard made it extremely easy and provided superior service. He was professional, courteous, and efficient at all times and even drove over two hours to attend my closing! I highly recommend Butler Mortgage to anyone in Florida and will certainly contact them when I have mortgage needs in the future.
Olga M.
Apr 13, 2016
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I will start by thanking my wonderful realtor Sean DeCoster for referring me to Butler Mortgage. I had a wonderful experience from start to finish with Harry Urban and his team members: Shaun and Renee. Wow!!! Harry was so straight and to the point and with the veteran's needs in mind. He was clear and efficient and I knew exactly what to expect next, which made it easy for me. Later on I was introduced to Shaun and it was such a pleasure working together with her as well, to make the home buying process easy and successful. Renee was such a sweetheart as well, and both ladies returned my
Greg L.
Jan 05, 2016
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I have known Harry Urban at Butler mortgage for about 10 years. He is a man of integrity and knows his business very very well. I have sent three people to him for mortgages and every one of them has said how outstanding a person he is and how great a company Butler mortgage is. If you're looking for a mortgage this is a company I highly recommend.
