Welcome to Home Financial Group LLC NMLS# 305389, we're your Florida home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends.
Please consult with Home Financial Group to receive a personalized rate for your specific situation. I found your job and support very useful and they allowed us to buy a property with a mortgage loan. I will definitely recommend you. Great people who care about your situation and goals. Conventional mortgages are ideal for buyers with good credit and money to put down.
Please consult with Home Financial Group to receive a personalized rate for your specific situation. I found your job and support very useful and they allowed us to buy a property with a mortgage loan. I will definitely recommend you. Great people who care about your situation and goals. Conventional mortgages are ideal for buyers with good credit and money to put down.
Services
With the rapid housing market growing every year, HFG was dedicated to help as many people as it could to purchase or refinance their home. Times were good, we opened up an Orlando office and expanded our operations in South Florida. Then the Real Estate bubble burst.
Thank to our strong connections with South Florida realtors and client referrals, earned though hard professional, honest and ethical work we were able to survive the dark years of 2008 and 2009.Where 80% of all Mortgage institutions were consolidated or forced to close their doors. Downfalls can be viewed as opportunities.
Thank to our strong connections with South Florida realtors and client referrals, earned though hard professional, honest and ethical work we were able to survive the dark years of 2008 and 2009.Where 80% of all Mortgage institutions were consolidated or forced to close their doors. Downfalls can be viewed as opportunities.
A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. 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. The maximum limit for a conforming loan depends on the county and state you live in.
Fixed-rate mortgages are probably the most common type of mortgage. You are able to lock into a set interest rate which results in monthly mortgage payments that remain the same for the entire life of the loan. A fixed-rate mortgage (FRM) is a type of mortgage with a specific rate term. A fixed-rate mortgage has a fixed interest rate for the entire length of the mortgage term.
The FHA (Federal Housing Administration) home loan is one of several government-insured loans. The FHA doesn't lend money directly to home buyers; they insure lenders against losses that may occur from client default. Because of this, lenders have less strict requirements for borrowers. One of the features borrowers enjoy the most is the low minimum down payment, which is typically less than the requirements for a conventional loan.
VA helps Service members, Veterans, and eligible surviving spouses become homeowners. As part of their mission to serve you, VA provides a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
Reviews (14)
Marina Castro
Nov 23, 2021
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Laura Castrillo
Jul 28, 2021
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Max Rozhko
Jul 07, 2021
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I cant thank Medardo and his team enough for taking care of me throughout the entire process. As stressful as buying a new home could be his team was able to thoroughly explain each step. I would recommend Home Financial Group to anyone looking to buy a home. I consider myself lucky to have been their client. Words really don't do any justice! A+++
Carmine Difiglio
May 30, 2021
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In 2011, we were referred to Medardo at Home Financial Group to assist us in our Miami Beach home purchase. It was a difficult purchase due to the short-sale circumstances but Medardo and his team were there throughout this long process.
Medardo was our first and only choice in 2021 when we needed a mortgage for our next home purchase. So now we’re settled here in Sarasota and loving it.
We highly recommend Medardo. His calm demeanor and personal service, with attention to detail, were instrumental to obtain the mortgage we needed. For first rate mortgage service, call Medardo and his team
Medardo was our first and only choice in 2021 when we needed a mortgage for our next home purchase. So now we’re settled here in Sarasota and loving it.
We highly recommend Medardo. His calm demeanor and personal service, with attention to detail, were instrumental to obtain the mortgage we needed. For first rate mortgage service, call Medardo and his team
Marcello Buccedi
May 16, 2021
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Yeismel Grandal
Apr 07, 2021
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G. Cards
Mar 19, 2021
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Ellina Sukharenko
Mar 19, 2021
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Pablo Martell
Mar 17, 2021
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I have now worked with Home Financial Group for two closings, only a few months apart and it has been a spectacular experience. The team is in constant communication with all necessary parties throughout the underwriting process, closing, and post closing. The team is experienced, knowledgeable, and prepared to answer all questions. I look forward to working with them again and highly recommend.
I. L.
Mar 06, 2021
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Reynold Francis
Jan 26, 2021
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Luba Kim
Jan 13, 2021
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Robert Pepe
Jul 17, 2020
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Frank Pulcini
Jul 08, 2020
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