Mortgage Broker Tampa - AVRUS | Avrus Financial & Mortgage Services, Inc. ℠

Have We Got a Mortgage for You! First of all, if you're thinking about a mortgage, congratulations! Tampa is a beautiful place to live

August 25, 2016

Self-Employed in Tampa?

Have We Got a Mortgage for You!

First of all, if you’re thinking about a mortgage, congratulations! Tampa is a beautiful place to live, and being self-employed gives you the freedom to make the most of it. Tampa has consistently scored in the top 100 American cities for livability: the housing market here is stable and the city offers amazing amenities. And with Florida leading the country in creating the most employment opportunities for people working for themselves, with real estate and rentals leading the way, Tampa is definitely the place to be.

However, while self-employment provides you with freedom and self-determination, it can be daunting when it comes to applying for a mortgage. You’ve spent time, energy, talent and money building your business, but then you find that doors are closed when you want to apply for a mortgage or a refinance.

But don’t despair! If you’re self-employed and qualified, then what you really need is experienced help that can guide you through the most complex of mortgage applications and find the resources that you need for success.

Generally, self-employed people like you have three areas of concern:

You have complex income documentation
You have a complex investment property portfolio
You have complex rental income

Anything complex requires specialized assistance, and mortgages are no exception. While these may seem like insurmountable problems to you, they’re not to those who have studied them and know all the ins and outs of mortgage availability and applications. At Avrus Financial and Mortgage, we’ve spent decades helping self-employed Tampa residents navigate complicated financial circumstances and obtain the mortgages they deserve, and we can help you, too.

Why not ask us how… today?

November 19, 2015

Terrific Tampa Bay

It’s been called “Florida’s best-kept secret,” but for those looking for luxury living on the coast, Tampa Bay is what you might want to call “home.”

While Miami and Sarasota have long been magnets for affluent buyers—with Sarasota commanding a higher price-point than most West-Coast communities—it seems that Tampa Bay isn’t getting the attention that it might deserve. A recent conference of the National Association of Real Estate Editors in Miami—during which Tampa Bay was cited as a contender for the new “in” spot for the über-rich—confirmed it: the attitude of the wealthy toward Tampa Bay might be changing.

And there’s real estate to meet their needs. For example, two months ago, the historic Stovall-Lee House went on the market for $13.9 million: an estate built in 1909 for the founding publisher of the Tampa Tribune that now offers the absolute best in Florida luxury living. But you don’t have to be in that category to buy high-end real estate in Tampa Bay: at any given time there are over a hundred homes and condominiums offered at a price-point over two million dollars, so there’s plenty from which to choose.

Of course, luxury real estate comes at luxury prices, and at Avrus Financial and Mortgage we’re happy to help you find just the right jumbo mortgage for your new Tampa Bay home. What you may not know is that jumbo loan rates have recently become very competitive with regular loans, and some mortgage companies and banks are now offering lower rates and financing costs.

What that means is that million-dollar homes in Tampa Bay are becoming a relative bargain!

Jumbo loan limits are regulated on a county-by-county basis, and the current 30-year jumbo loan size for residential homes is currently any loan above $417,000 in Hillsborough and Pinellas Counties. Obviously this is on the low end of the scale for you if you’re looking at some of Tampa Bay’s million-plus-dollar homes, condominiums, or estates, but it’s an important figure to keep in mind.

So… are you ready to start looking for that Then Tampa Bay deserves a second look, and Avrus Financial and Mortgage can match you with just the right jumbo mortgage to make your choice a wise one from a financial point of view. We have decades of experience helping affluent clients secure mortgages for their upscale and luxury homes, and we can help you.

Why not ask us how today?

September 28, 2014

The Best Mortgage Rates in Tampa, Florida

Whether you need to refinance your Tampa home mortgage, are a first-time buyer or are shopping for a jumbo loan, the mortgage process can sometimes be tricky and potentially troublesome. Partnering with the right lender will make the difference between agony and ease.

The right partner

Getting the best mortgage rate in Tampa means you must first find the best mortgage partner– a company that will put your needs first and match you to the best loan to develop your unique financial picture. Florida is filled with mortgage brokers and wholesale lenders, but finding that perfect partner is as easy as connecting with Tampa’s top source for reliable service and reasonable rates: Avrus Financial & Mortgage Services, Inc.

When it comes to mortgage rates in Tampa, Florida, Avrus Financial is the lender you can trust for fast application approval, the lowest rate and hassle-free closing. We have more than 30 years of experience in the financial and mortgage business, we understand what it takes to close loans quickly and get our customers the best Tampa mortgage rate.

You can count on our “customer for life” philosophy, our expertise and our know-how to take the worry out of wondering whether your loan is approved. We are licensed, insured and bonded as a direct Florida lender and broker. With our Fannie Mae underwriting privileges, we can give a mortgage or mortgage refinancing answer just minutes after receiving your application.

At Avrus Financial, we provide personal, one-to-one service. Our dedicated loan officers, processors and associates are knowledgeable and have deep roots in Florida. They know mortgage rates and they know Tampa, so you can reap the benefits of their knowledge and experience to feel good about your long-term investment in Florida.

Making the mortgage process easy

As your partner, we inform and guide our customers through their mortgage, from application to close. We will help you obtain the best mortgage rate or refinance rate by making sure you have the right information to make your financial picture shine its brightest.

Even if you’re just in the earliest stage of considering a mortgage or refinance, it’s never too soon to think about getting the best rate. Getting your finances in top shape will go a long way toward helping us get you the best mortgage or refinance rate in Tampa.

Key financial factors that will ultimately lead to getting the lowest mortgage rate include:

Make your housing payments on time
Pay off debts on time, every month
Put away a bit into savings each month
Fill out loan applications only when you’re ready to get the loan
Provide timely and complete application information
Do not overstate income
Exercise extreme caution in co-signing
Maintain your credit through a few good accounts
Use a qualified and competent realtor to negotiate the best deal

When you partner with Avrus Financial, we dedicate all our efforts to match you and your unique situation to the best home mortgage and the best rate in Tampa. There’s a reason the majority of our business comes from previous customer referrals and local real estate professionals. You can trust that as our customer you will receive personalized attention from our knowledgeable staff to help you close in the quickest, easiest way possible.