Best Ocala Mortgage Broker

 

You don’t get more central in Florida than Ocala. If you are looking for a place to live that is neither too far south or too far west, Ocala is a happy central area to plant your roots. Located midway between the central Florida city of Orlando, and just south of the north-central city of Gainesville, Ocala is a quiet city of just 60,000 people, conveniently located along the highway between its two larger neighbors.

 

If you are looking for affordable homes, Ocala real estate is among the most affordable in the eastern United States. And if you are looking for an affordable mortgage, Avrus Financial & Mortgage Services, Inc. gets you the lowest mortgage rate in Florida.

 

Ocala plus Avrus means that almost anybody can afford to be a home owner.

 

Look for zip codes 34470, 34471, 34474, 34475, 34476, 34479, 34480 and 34489. You’ll find a city full of the arts and culture, on the edge of an glorious national forest, and homes for a fraction of the cost you would expect to pay for such a high brow area.

 

Then pick up the phone and find out why Avrus gets its customers better home loan rates in Ocala than the banks do.

 

 

Bank Says No! We say Yes!

Call now - 1-800-741-4004

 

Ocala Mortgages at the Lowest Interest

 

The first thing you need to understand about the banks is that they are not there to give you a mortgage. They are there to make money for themselves. And the most money is made from companies who need to borrow the most money. The banks make most of their profits from Fortune 500 multinational companies. They also make a lot of money from mid-size companies and even from wealthy people buying property in Beverley Hills and Marco Island. These are places where you might not be able to buy a garden shed for the price of the typical Ocala home.

 

This does not mean that the bank will say “No”. It just means that the bank has very little incentive to say “Yes”, unless you happen to meet all their criteria exactly and you look like a particularly low risk to them. If anything is not quite perfect in your application, it’s not even worth their time to investigate. Don’t make them think.

 

It is easier for them to say “No”.

 

That’s fine for the banks. That’s their business model. It meets their needs. But where does that leave you, still looking for a mortgage?

Your Ocala Mortgage Broker

 

Avrus is here to help. We are not like the banks. We don’t say “No”. We only say “Yes”. You might wonder why we can be so confident about this. Well, there are two good reason:

 

First, we are a family-run business. We don’t have a Wall Street head office telling us what we can and can’t do, handing down process to follow and scripts to read.

 

We are real people in the community, just like you. We have families. We have homes. We have mortgages. Since 1982, we’ve been serving customers like you, one mortgage at a time. It’s what we love doing. In fact, everybody here loves their jobs.

 

But it’s not just that we are nice and friendly. We also have a business reason to be so much different from the banks. As a small, family-run business, we don’t have multinational companies for clients. We don’t run off for business meetings on Wall Street or in Tokyo.

 

All our customers are just like you - individual people or families wanting to buy a home or refinance their house. Or they are small business entrepreneurs wanting to buy commercial real estate to set up a restaurant or a hair salon or a local printing company.

 

In other words, we need your business because that’s all we do.

 

So we are patient. We take the time to match your finances with the right mortgage for you. We don’t mind working through the paperwork if your records don’t exactly fit the specs. That’s one of the reasons self-employed people come to us. The banks have no patience to try to make sense of their unorthodox and sometimes complex income paperwork.. We do have the patience.

 

Avrus is friendly. We are motivated. And we can get you the best mortgage rates in Ocala, even the best mortgage rates in Florida. We have established a solid record since 1982. Year after year, we beat the banks’ retail rates for customers like you.

 

If you want to find out how, keep reading the next tab. If you don’t care how we do it, if you just want the lowest mortgage rate in Ocala, give us a call today, and we’ll set you up.

 

 

Bank Says No! We say Yes!

Call now - 1-800-741-4004

Best Mortgage Rates in Ocala FL

 

When you sit across from the bank manager, you are at his or her mercy. The fact is that you need the bank more than the bank needs you. The bank has plenty of customers with much deeper pockets, big businesses seeking big loans.

 

You can try to compete by shopping around, but they know you won’t shop around that much. Shopping around takes time. It takes effort and discipline. It is a big hassle, and nobody visits more than a few banks. Here’s why.

 

• First, you have to find enough banks to call on. That takes time. Even if you get addresses and phone numbers for a few banks, there will be just a few nearby. You won’t chase down banks in Tampa or Pensacola or Atlanta.
• Then you have to call each bank to make an appointment. That might mean playing telephone tag, it certainly means making the effort to call and it most likely means headaches trying to make schedules work.
• For each appointment, you have to take the time and make the effort to get there, to park, to call on the banker…and then possibly wait extra time in the waiting room.
• You have to go to each bank at the appointed time.
• And the first thing the banker will want you to do is fill in a whole bunch of forms. More time. More effort. More headaches.
• The worst part is that you have to go through all this time, effort and headaches at each bank. That includes filling in the same forms over and over and over.

 

The banks in Ocala know you won’t shop around too much. And even if you do, they just don’t need your business that badly.

 

 

Lowest Home Loan Interest Rates Florida

 

Avrus can shop around for you without spending that amount of time, without making that same effort and without headaches for us or for you. That’s because we are set up to shop around. And the banks know it.

 

What does that mean?

 

First, it means that we can get way, way more mortgage rates to compare. As you know, that’s the main power of shopping around. If you compare two prices, you might or might not find that one is lower. What are the chances? If you compare 200 prices, you are bound to find one that is lower, if not several. Our job is to get you that lower rate - the one that you would miss by visiting just two or three banks in Ocala.

 

We reach out to hundreds of banks across Florida and across the country.

 

Second, it also means that the banks have at least some incentive to be competitive. In fact, they often have unadvertised rates that they don’t tell retail customers like you, because they know that you won’t shop around. But when we ask the right questions, they often give us a better rate because they know we are shopping around for you.

 

Just to be clear, the banks still don’t need your business. But Avrus can pick and choose from so many mortgage packages at so many banks that we can help align the right mortgage with your paperwork or help you align your paperwork so that there is a solid match. All of a sudden, with Avrus handling much of the paperwork, the banks are less likely to say “no” to you. They are more likely to give you a better rate, because here is almost no cost to signing you up.

 

You get the lowest mortgage rate available.

 

How Else Avrus Gets You the Best Mortgage Rate

 

There is more. We don’t go only to banks, because banks don’t always offer the best interest rates. Here are the places we typically approach to find the best mortgage rates for our Ocala clients:

 

• Banks
• Credit unions
• Financial institutions
• Private lenders and individual investors

 

What we do is seek out the best mortgage rate available for you from any source in Ocala, in Florida or anywhere in the USA. We are proud to offer this service, because we know you could never do this on your own.

 

It’s not just to get you the lowest interest rate that we go beyond the banks. We understand that the banks are big and they have their rules and packages and that they tend to be less flexible than other lenders might be. And very often our customers have complexities. For instance, they might be:

 

• self-employed, with no pay stubs
• recently divorced with a suddenly changed income situation
• investors whose income does not come from a “job”
• people who have just gotten control of debt issues
• recovering from illness or from having taken care of a sick relative

 

Life happens. Bureaucracy doesn’t understand that, but real people do. We do. And so do many of our contacts beyond the banks.

 

For the lowest mortgage rate in Ocala or elsewhere in Marion County, FL, call us now at 1-800-741-4004.

 

Bank Says No! We say Yes!

Call now - 1-800-741-4004

Your Top Marion County Mortgage Broker

 

Ocala is the main city in Marin County, as well as being the county seat. But you can live in Ocala without living in Ocala. There are many communities very close by in Marin County, and we are happy to arrange mortgages in any of them. We can arrange a:

 

• Zuber mortgage
• Fellowship mortgage
• York, FL, mortgage
• Emathla mortgage
• Silver Springs, FL, mortgage
• Martin mortgage
• Anthony mortgage
• Huntington, FL, mortgage
• Silver Springs Shores mortgage
• Lake Weir mortgage
• Bellevue mortgage
• Dank’d Corner mortgage
• Kendrick mortgage

 

Whatever type of mortgage you need in Ocala and Marin County, we can arrange it for you with the least paperwork and the lowest interest rate

 

Bank Says No! We say Yes!

Call now - 1-800-741-4004

 

Ocala Conventional Mortgages and Jumbo Mortgages

 

 

From the Fort King District to West Ocala to Maricamp the most popular type of mortgage is a conventional mortgage. No surprise there, as most people’s financial situations tend to be somewhat conventional. An Ocala conventional mortgage simply means that you don’t need to borrow more than the prescribed limits.

 

If you need to borrow more than you are “allowed”, you still have an option. This is the jumbo mortgage, which can be applied to homes worth $417,000 or more when the borrower cannot meet the expected down payment guidelines. These high-credit mortgages are intended for luxury home buyers.

 

Whether your mortgage is conventional or jumbo, we will work with you to make sure you get it (and get the property you want to buy, as a result) and that you also get the lowest interest rate possible

 

Ocala Mortgages for the Self-employed

 

Self-employed people have it tough when it comes to mortgages. Many don’t make as much as people with regular jobs. When they do, they might be riding a roller coaster through waves of feast and famine gigs, which most salaried employees never have to worry about.

 

As if it isn’t hard enough to get a bank to pay attention when income fluctuates in waves from year to year, self-employed people don’t have all the paperwork the bank expects. The banks’ criteria are typically based on standard full-time employment. Anything that deviates from that forcers the bank to think.

 

Like the Titanic, banks are good at pushing ahead in whatever direction they have planned to go. Also like the Titanic, they are not good at making changes and exceptions and responding to the unexpected. As an unemployed person, you are unexpected to them.

 

You are not unexpected to us. Avrus takes pride in working one-on-one with you. We have arranged many mortgages for self-employed people. We are proud to succeed where so often the banks fail.

 

 

Bank Says No! We say Yes!

Call now - 1-800-741-4004

Mortgage Refinancing in Ocala Florida

 

One of the more frequent mortgage requests in Ocala and area is for home loan refinancing. It seems that a lot of people in Ocala like it here and don’t want to move. But they also like to refinance their mortgages. This can be for several reasons:

 

• Interest rates are falling, and they want to save on a lower mortgage rate.
• A person’s financial plans changes, especially for home ownership.
• An illness or injury brings large medical bills, and they need access to some of the equity.
• Debt has been building, and the home owner wants to consolidate debt under the mortgage.
• A divorce requires more of the equity to be liquid, so as to be divided among the couple.
• A homeowner wants to undertake a substantial upgrade or renovation to the home.

 

Whatever the reason, we can probably get you a lower rate on your mortgage than you are paying now, Wouldn’t that be nice, to take advantage of lower interest rates and consolidate your debt for lower payments, both at the same time?

 

Bank Says No! We say Yes!

Call now - 1-800-741-4004

 

Best Mortgage Refinancing Rates in Ocala

 

Whatever the reason for refinancing, our job is to get you the lowest interest rates. That applies to any mortgage we arrange. It’s especially important if you are taking on new debt for home improvements, or if you are trying to lower your regular payments through a debt consolidation mortgage.

 

Although we don’t call it “refinancing”, a reverse mortgage is really a form of refinancing. If you are retired over the age of 62 and your home is already fully paid off, you might qualify for a reverse mortgage. This is a tool specifically designed to help seniors maintain the lifestyle they are used to and stay in their home. This taps the equity in your house to provide living expenses.

 

It’s like you’ve been putting money into the piggy bank all your life, just saving up for your retirement.

 

However you wish to leverage your equity, by refinancing in Ocala or with an Ocala reverse mortgage, Avrus can help you get there.

 

Our role will be to find you the best refinance rates possible. As a one-stop shop, you fill in the paperwork only once, then your part is done. That’s where our team kicks in. We go out to our network to hone in on the very best deal possible.

 

 

Lowest Reverse Mortgage Rates

 

Keeping interest rates low is more important for reverse mortgages than for most other loans. That is because we have no idea how many years you will need to leverage the fixed amount of equity in your home. We hope it will be a long time, but the longer you need the money, the less you can withdraw each year. And none of us has a crystal ball.

 

Meanwhile, you want as much money as possible to pay your living expenses, maybe some travel, maintain your home and keep ahead of the medical bills.

 

That’s where the interest rate comes in.. The higher the interest rate, the tighter your budget will be. The lower the interest rate, the more money you’ll have for you to spend as you wish. So we’ll do our best to reduce that interest rate for you, to maximize your freedom and spending power.

 

A lower reverse mortgage rate can free up an extra $1,000 or more for you to use. But even if it just frees up a few hundred dollars for you to spend as you like, isn’t that worth a call to Avrus?

 

For the lowest home loan refinance rates in Ocala, pick up the phone and call us at 1-800-741-4004.

 

 

Bank Says No! We say Yes!

Call now - 1-800-741-4004