Find the Best Mortgage Specialist Loan Originator near me in Tampa FL in 2019

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Are you searching to find the best Mortgage Specialist in Tampa, FL, in 2019?  You may want to know where to find the best Mortgage Specialist in Pompano Beach near me? There are numerous companies that originate mortgages for their clients, but how do you know which is the best? Will they take the proper amount of time and do it right or will they race through the mortgage process to get to the next client? We have researched the Tampa FL market and have found the best mortgage loan originator specialist along with a list of important questions that you should ask your mortgage specialist. 

After careful consideration, here is our selection-

SmartGuy® Best Mortgage Specialist in Tampa, FL is:

Innovative Mortgage Services 
Scott Smith
Tampa, FL  33615
Telephone Office: (813) 406-4750
Telephone Cell: (813) 260-0778

Finding the best mortgage broker may seem like a no-brainer if you go with whoever promises you the lowest rates and fees. But the lowest prices and fees can’t make up for poor service. You need to know how to cut through the mortgage jargon, so you know exactly what you are signing up for. 

Here are some most important questions you should ask when evaluating mortgage specialists. They will help you find the best loan originator near you.

Things for your checklist:

Average time to closing

Broker Experience

How available and prompt are they?

Do they work alone or have a support staff? 

How long time have they been in business? Ask for references, too.

Are they easy to communicate wit6h via text, phone, email, or online chat, etc.?

Do they give straightforward answers that are clear and succinct?

What rate can I get?

If I have bad credit, will I qualify for a mortgage?

Whether you have a low credit score or a less than perfect credit history, you should be completely transparent with mortgage specialists. Doing this will help them find home loans that are best tailored to your needs, more so if you are a first-time homebuyer.

FHA loans, for example, are perfect for borrowers with minimal cash for a down payment and lower credit scores, but you still need a score around 580 to qualify. If you choose to go with a loan supported by the FHA or the Department of Veterans Affairs, you will probably need private mortgage insurance if you have less than a 20% down payment.

Next essential steps for choosing a mortgage specialist

In a perfect world, you need to find the best mortgage specialist who can offer competitive rates, excellent service, and full support from start to finish. The best mortgage specialist will work with you and will give you guidance on enhancing your credit score, choosing the correct type of loan, and ensuring that you have sufficient funds left over for other needs.

Even if you are only thinking about refinancing or buying a home, it makes sense to talk to a mortgage specialist early on to figure out how you can set yourself up for success in the future.

More about our choice of Scott Smith and Innovative Mortgage Services

Scott Smith has been in the corporate world and holds an MBA in Business Finance.  With over 20 years of financial experience as an investment advisor specializing in asset management and strategic portfolio allocation systems, Scott can help you figure out the best mortgage options that meet your needs perfectly.

Scott is a Mortgage loan originator, and extremely knowledgeable about the various loan options. He can also assist you if you need help with your credit score.  Scott owns a Credit Restoration Company as well, to help people boost and repair their credit.  Scott is an outside-the-box thinker, so even if you have a credit score in the 500’s, prior bankruptcy, foreclosures or other challenges, he can help you. Down payment assistance programs are also available throughout Florida, and Scott can help you determine your eligibility for these programs.

Whether you are seeking to purchase or refinance your home, you can rest assured that Scott will provide you with the absolute best professional service and solutions. 

Best Mortgage Specialist in Tampa