Florida Mortgage Broker

Florida May Be on The Bottom Of The Map But Its On the Top Of the Food Chain For Real Estate

Florida Mortgage – Avrus Financial Services

OMG! Florida mortgage! To some that has the same feel as Florida car rental. “Better get the extra insurance, honey, those Florida drivers are crazy.” For those of you that experience this kind of anxiety about an impending “mortgage fender bender,” let us calm your fears.

Avrus Financial is a privately owned Florida mortgage company. We have helped our clients find the loan that’s right for them since 1982. We are licensed, insured and bonded as direct lenders and brokers through the Florida Department of Financial Services. More importantly, we are committed to your peace of mind and the successful closing of your loan. Allow us to help find the right Florida mortgage for you. Bank say no! We say yes!

Avrus Financial and Mortgage Services: Your Florida Mortgage Brokers
We cover the full spectrum of our clients’ mortgage needs, and we do it with a smile! Everything we do revolves around our ‘customer for life’ principle – providing superior service that keeps our customers coming back for more, and referring their friends and family to us.

We Can Help With all Types of Mortgages in Florida

  • First time home buyers? Check into low FHA mortgage rates.
  • Veteran? The VA mortgage program is designed for you.
  • Simplify your life and turn your back on high interest payments with debt consolidation mortgages.
  • Mortgage rates for primary residences.
  • Mortgage rates for secondary/vacation homes.
  • Mortgage rates for investment properties.
  • Refinance your existing mortgage at historically low interest rates and save $$$.
  • 62+ years old? A reverse mortgage might be for you.

What to Look For in a Florida Mortgage Broker:

It may seem crazy for us to give you the 411 on what to look for in your Florida mortgage lender.  Because, hey,  we know that you could end up going elsewhere. We understand that you are the client and getting the best deal is your prerogative. That said, we can sleep better at night knowing we gave you some darn good advice that will keep you from your own “mortgage fender bender.”

10 Traits of Great Mortgage Broker

A great mortgage broker…

  1. Knows when a refi is a bad idea and will tell you so!
  2. Cares more about the well-being of your financial portfolio than their commission.
  3. Acts in your best interest.
  4. Knows their stuff, keeps you informed, and talks straight.
  5. Finds the best rate.
  6. Is patient and punctual. Time is of the essence!
  7. Listens to your needs.
  8. Is upfront about fees and cost.
  9. Never talks you into taking on a larger loan that you can handle.
  10. Writes home to mamma (we are a family establishment, you know… so we had to throw that one in).
Florida Mortgages Offered by Avrus Financial Services

Pre Qualify Mortgage Online

Now that you know what to look for in your broker, we personally think you’d be crazy to go anywhere else. Give us a call, and let’s talk about your financial and mortgage needs.

Mortgage FL – We’ve Got You Covered!

We provide Florida mortgages to residents across the state including the following cities: Gainesville, Naples, Orlando, Tallahassee, Fort Lauderdale, Palm Bay, Pensacola, Tampa, Sarasota, West Palm Beach, Jacksonville, Cape Coral, Deltona, Lakeland, Ocala, Miami, and Port St. Lucie.


Life’s a Beach … at Juno Beach!

    Take a walk along Ocean Drive in Juno Beach, Florida, and you’ll understand—immediately—why this village (with a year-round population of under three thousand people) could just be the next place that you call home. There’s the beauty of the azure water. There’s the pristine sand and the surfing. There’s the Loggerhead Marinelife Center.

 Besides, where else in busy South Florida can you find a beach with free, across-

Juno Beach is in Palm Beach County FL | AVRUS | Avrus Financial & Mortgage Services, Inc. ℠

Juno Beach is a town in Southeast Florida | AVRUS

the-street parking, a bathhouse, and a boardwalk pier? It’s a quiet little community located between the Intracoastal Waterway and the Atlantic Ocean that few people have discovered and fewer still choose to live in. With all that going for it, you might think that Juno Beach real estate is completely out of your reach. But you’d be completely wrong!

 Condos and houses both cover the gamut in price, from under 200,000 to over a million dollars. And no matter where you look, you can be close to water: there’s beachfront property, lake-view property, and canal-view property, each with a stunning view and something unique to offer. And while the ocean is indeed the main draw, what you might not know is that 43% of Juno Beach is protected parkland or green space: so there is beauty absolutely everywhere.

 Do you like to golf? At the Seminole Golf Club you’ll be playing at one of the oldest courses in south Florida: this 1920 Donald Ross-designed course is often rated among the top ten in the country.

 Juno Beach homes put you right in the middle of all of that. Beach, parkland, beauty, activities, and with real estate that meets everyone’s budgets … it’s hard to see a downside.  Add to that the near-perfect south Florida weather, and it’s clear where you should be doing your house-hunting!

 And if you do decide that you want your own piece of June Beach real estate, it’s just a few easy steps away. We specialize in mortgages for south Florida properties and will be happy to help you get into the home of your dreams in this exclusive and exquisite town.

 Why not give us a call today?

By Steve Avrus

Paradise in Pensacola

      Pensacola is a city that’s always been much in demand. It’s been ruled by the British, the Spanish, the French, the Confederacy, and the United States—in fact, that’s why it’s been called the “city of five flags.” It’s not difficult to see why so many different countries and individuals have wanted to call it home: the area is postcard-beautiful, and the downtown offers art galleries, restaurants, and cultural venues.

 And that’s not all: Pensacola beaches are pristine and beautiful, lapped by azure Panhandle Pensacola Fishing Pier High Seaswaters. And for excitement, Pensacola is the training-ground for naval pilots and is home to the National Naval Aviation Museum and the Blue Angels Naval aerobatics team.

 And in addition, it’s a fantastic place to live!

Pensacola waterfront real estate includes some of the most beautiful homes in the country. Pensacola is a real Emerald Coast gem with sparkling white beaches, a thriving economy, a strong military presence and a strong sense of community involvement: it’s the sort of place that young families come to set down roots and older couple and individuals come to retire in a house or condo that suits their changed needs.

For us here at Avrus Financial and Mortgage Company, Pensacola is right in our backyard. We know its real estate offerings and its residential and business opportunities, and we’re happy to help you find just the right mortgage for that beautiful waterfront property you may be eyeing.

The best news of all is that Pensacola real estate is extremely affordable, and a single-family home is still financially accessible here while other Florida beachfront can be inaccessible to many first-time (or even experienced) homebuyers.

If you’re considering a move to Florida, check out Pensacola real estate … and see if this piece of Paradise might be just the right place for you.

By Steve Avrus

Don’t Be Nuts: Move to Coconut Grove!

        It’s technically part of the greater Miami area, but there’s something special about Coconut Grove, a village within the city, with a beautiful waterfront and a hometown vibe. Its website tells the story best:

From its modern incarnation in 1882, Coconut Grove has represented one of Greater Miami’s most attractive, exciting, and compelling communities. Add equal dollops of beauty, creativity, eccentricity, and profound institutional development and you have the Coconut Grove that has appealed so strongly to residents and visitors alike for the past 130 years. 

Buying A Rental And Renting It Out For Profit - Avrus Financing Rates

Coconut Grove, Florida Real Estate Brokers

   It’s been called “Bohemia on the Bay,” and Coconut Grove does indeed have the feel of a place far removed from the skyscrapers of downtown. It’s a terrific neighborhood for children and young families, with great shops, restaurants and supermarkets, and unlike much of south Florida, it’s very walkable. There is a tree canopy through most of its streets, making the area considerably cooler during the summer months, and a significant number of parks overlooking the bay. Enjoy the yearly events, the weekly farmer’s market, and the community’s efforts to keep Coconut Grove from becoming just like every other south Florida neighborhood.

  That it isn’t like the others is evident in recent news, which reports a re-branding effort to call the area the “Nearby Republic of Coconut Grove.” While not necessarily part of Coconut Grove’s past efforts to secede from Miami, it does indicate a certain independence of thought in “the Grove,” as many now call it.

  Sound good? Then consider the healthy Coconut Grove real estate market and the still-attractive rates on Coconut Grove mortgages. Finding a pleasant south Florida place to live is one thing; finding the best Florida mortgage rates is another, and that’s where an experienced Coconut Grove mortgage broker comes in. At Avrus Mortgage, we can help you find just the right financing for your situation, matching you up with one of the myriad Florida mortgage products we have that will make your approval quick and easy. And then it’s on to finding your perfect Coconut Grove home!

By Steve Avrus

Refinancing Your Florida Mortgage or Your Georgia Mortgage

        A lot of people are talking about refinancing, and it’s worth taking a look to see if it’s right for you. Right now may be the right time for you to refinance, but there are a number of factors to include in your decision.

There are two kinds of refinancing:

  1. Rate/term refinancing pays off your existing mortgage loan and in addition rolls in closing costs.
  2. Cash out refinancing pays off your existing mortgage loan plus closing costs—and, in addition, will take cash out of the equity you already built up that you can then use at your discretion. 

home rate calculator

If you’re considering refinancing, then you’ve already been through the mortgage process once, and you’re probably thinking that you don’t need any help the second time around. Wrong! Only your mortgage professional can help you find the Florida refinance or Georgia refinance that’s right for you. 

Remember that the standard loan-to-value (LTV) amount is the result of the loan amount divided by the price being asked for the property. There’s no sales price in a refinance, so the number that replaces the sales price is the appraised value. What typically happens is that an appraiser looks at three comparable properties in your area that have sold recently and uses those numbers to determine the sale value of your home at that point in time.

If your home was listed for sale within the past year, you will not be able to refinance using Fannie Mae or Freddie Mac; so no “instant” refinancing for a better rate there.

If you’re going for a lower interest rate, be sure to compare the difference in payments (don’t include taxes and insurance, which will stay the same). The principal amount will be lower if you’ve had your home for a long time; it will be higher if you’re opting for cash-out refinancing.

Most homeowners look solely at the interest rates when considering refinancing. Don’t make that mistake! Closing costs can be significant and may change your mind about that attractive interest rate. If you ask for a good-faith estimate (GFE) of closing costs, you can have some idea of the numbers you’re working with.

Refinancing can make a lot of sense for some Georgia homeowners and some Florida homeowners. To see if it makes sense for you, consult your mortgage professional, who can always get you up-to-date and complete information.

By Steve Avrus

Florida Mortgages for 2014: Five Tips

        One of the largest mortgage markets in the country is located in Florida, and there are a lot of floridagood reasons to take out a mortgage here this year, says Steve Avrus of Avrus Mortgage and Financial. “We’re going to see a lot more real-estate action in Florida as we get further into 2014,” he predicts. “Homebuyers will understand what’s happening in terms of Florida mortgage rates and Florida home prices, and they’ll feel more comfortable buying property here.”

If you’re one of those lucky homebuyers moving to the Sunshine State, or refinancing your Florida home, here are five tips for buying your Florida property in 2014:

  1. Do it soon: It’s probable that rates will go up this year. The Federal Reserve is going to slow down the pace of the economic stimulus packet—which is what’s been keeping mortgage rates so low. So once you’ve made your decision to move, visit Avrus to lock in your rate as soon as you can.
  2. Refinance now: As you know, rates started climbing in 2013, and Florida lenders started seeing fewer refinances as a result. That means that there are a lot of lenders now who are anxious to help homeowners with refinancing their current properties: and that competition is good news for you. Avrus will help you take advantage of the competition for your refinancing to obtain the best deal.
  3. 3.     Monitor your credit: It’s always been the case that better credit ratings will get better Florida mortgage rates, but now more than ever your credit rating has to be pristine. You’ll get the best mortgage rate with a minimum score of 720, so if you’re thinking of buying a Florida home this year, work on raising that number. Next week we’ll reiterate a few ways that you can do it.
  4. 4.     Be realistic: We don’t live in a world where you can spend 25% of your income on your housing, as was once the case, but lenders also don’t want to give mortgages that are beyond your means: your debt-to-income ratio needs to be as low as possible. Try and keep your mortgage, insurance, taxes and other obligations around 43% of your income.
  5. 5.     Document, document, document! Paperwork is always tedious, but with the new mortgage regulations that went into effect this month, lenders are going to be extra-careful in looking over your finances. So save yourself time and heartache and document everything, from deposits to your savings account to tax returns and more.

By Steve Avrus

Florida Mortgage Refinance

Florida Mortgage Refinance | Mortgages in Florida

   Ever feel like the price of stuff just keeps going up? We sure do. One happy exception is Florida mortgage rates. In fact they are not just cheap, they are at an all-time low. Historically, we haven’t seen rates anywhere near this since the 1960s. Check out the rate indications in our ‘Today’s Mortgage Rate’ ticker on this site.

That said, keep in mind that mortgage rates are influenced by many factors, related both to the property, and to the borrower. Property factors include current market value, location and the lenders’ appetite for the specific property. Borrower factors include your income, other assets and liabilities, credit history, employment status, age, and other demo-graphical factors. Whatever your specific circumstances may be, talk to an expert to find out how you can take advantage of a Florida mortgage refinance at these amazing rates.

What is Florida Mortgage Refinancing?

Refinancing can mean one of two things:

(i)            You are taking out a new loan to pay off an existing mortgage, usually because you can obtain better, more advantageous terms and save money, or

(ii)          You can ‘cash-out’ some of the equity from your property, if you no longer have a mortgage or have a low loan-to-value (LTV).

Whatever your motivation, and despite the challenging home prices over the last few years, there currently are many opportunities for a Florida refinance mortgage.

Top 3 Reasons for Florida Mortgage Refinancing.

-          Mortgage rates are at historic lows – saving you money.

-          A plethora of programs are at your disposal to help you close your refi. Many current government incentive programs are aimed at helping Florida property owners refinance their debt.  Take advantage today.

-          Even if you do not think you will qualify, there may be programs specifically designed for you. Don’t miss out talk to your Florida mortgage broker, you just might be surprised.
To Refi or Not to Refi? That is the Question.

Potential Benefits:

Lower interest rates mean lower mortgage payments.
Shorter amortizations can help you pay off your mortgage faster.
Cash-out some of the equity in your home.
Savings over the life of your mortgage could be in the six figures!

Potential Challenges:

Refinancing fees incurred.
Insufficient equity.
Property prices ‘under water.’

Refinancing is not a stand-alone decision. You and your loan broker must assess your entire financial picture and weigh the pros and cons. Yes, you could significantly lower the cost of your Florida mortgage rate. But, before you refinance, we will want to guarantee that your savings will exceed the fees incurred to make sure you come out ahead.

So Where Do You Begin Your Florida Mortgage Refinance?

Pick the right mortgage broker for your refinancing team. See our advice on the Ten Traits of a Great Broker. Having a broker you can trust, who takes into account your entire financial portfolio, and who communicates well with you will take the stress out of navigating the refinancing process. Let Avrus do the heavy lifting for you. Call us today to find out if the latest mortgage rate for either your Florida home purchase or your Florida refinance mortgage.

Psst, What’s all this Talk about a Reverse Mortgage Refinance?

Reverse Mortgages For Seniors At Avrus Financial And Mortgage Services

A Couple Considering a Reverse Mortgage

For a reverse mortgage, Florida is the place to be. If you are 62 years or older, and have equity in your home, check out our reverse mortgage program. This innovative mortgage type can help you supplement your income or even put lump sum cash in your pocket. Don’t enter into a reverse mortgage lightly, or without expert advice. Call us first and we’ll give you the low-down.

Take advantage of our historically low Florida mortgage rate today. Whether for a Florida home purchase, or a Florida mortgage refinancing, Avrus Financial & Mortgage Services, Inc can help you with loans across the entire state of Florida, including the following cities: Gainesville, Naples, Orlando, Tallahassee, Fort Lauderdale, Palm Bay, Pensacola, Tampa, Sarasota, West Palm Beach, Jacksonville, Cape Coral, Deltona, Lakeland, Ocala, Miami, and Port St. Lucie.

Platinum Worldwide Realty, LLC

2500 East Hallandale Beach Blvd., Hallandale Beach FL 33009

Lilo Clacher, Right Choice Realty

1213 SE 47th Ter, , Cape Coral FL 33904

Saint Lawrence Title, Inc.

327 N. Orange Ave, Orlando FL 32801

Florida Real Estate

FL Real Estate – The Market Continues to Improve

Florida Real Estate Financing by Avrus

Avrus With A Birds Eye View Of The Florida Coast

Across the state, real estate is stabilizing. South Florida real estate prices are on the rise with Broward and Palm Beach counties seeing a rise in median home prices in October of 2012.

“Sales in the two counties have been strong for the past two years, but a sharp drop in the number of homes on the market is driving up prices while limiting options for buyers,” according to a recent article in The Sun Sentinel.

Still Plenty of Deals for Florida Real Estate Buyers

No matter what the local market is doing, the basic tenets of real estate remain unchanged:

You make your money when you buy. We say that Florida real estate is still a buyer’s market with plenty of bank-owned and undervalued properties to scoop up. With a little bit of savvy, you can negotiate the right deal for your needs. Even better, with the right Florida mortgage broker by your side, you can find the loan that allows you to successfully buy the real estate of your dreams.

Location, location, location. They just aren’t making any more land, folks. And no matter what is happening in the economy, real estate in Florida is still an attractive investment.

Now, add Florida real estate in the mix and the basics are even better:

-          Incredible lifestyle

-          Great beaches

-          Great climates

-          Great amenities

-          No snow shoveling…ever!

-          And no state income tax

When you combine all of that with the recent benefits of the current all-time low interest rates and state and federal incentive programs for buying and refinancing, how can you go wrong?

Think: Real Estate Florida!

Think: Team of Real Estate Professionals!

Think: Successful Purchase.

From single family to multifamily, vacation home to primary residence, apartment buildings to commercial property, and very high-end to the more modest real estate en Florida, we are dedicated to helping you through the process and purchase of your desired Florida property.

Of course, you will also want to work with a great real estate professional that knows the ins and outs of the business and your local market. We’ve worked with many realtors over the years and there is something you should know before you select who will represent you: not all Florida real estate agents are created equally.

4  Musts from Your Real Estate Agent

He/She must…

…Know the area inside and out: market trends, street names, schools, amenities, etc.

…Communicate with you regularly, and return phone calls in a timely manner.

…Cooperate and work effectively with others in your team of professionals.

…Work for you, solely. You want to make sure you are working with a buyer’s agent.

Once we have determined your buying power in the Florida real estate market, we can put you in touch with highly qualified and professional agents that we trust to work for you. If you have a relationship with someone you trust, then we are happy to collaborate and work with your agent to facilitate a successful real estate purchase.

Being Confident Your Approved For Your Mortgage Is Important

Avrus Will Find Out If You Are Approved Quickly

The 9 Step Process of Buying Florida Real Estate:

Step 1:      Decide how much you are able and willing to spend.

Step 2:      Get your loan pre-approved by your mortgage company first.

Step 3:      Determine what type of real estate you need and want.

Step 4:      Go shopping!

Step 5:      Make your offer and negotiate a contract to buy.

Step 6:      Do your due diligence (home and termite inspections, etc.)

Step 7:      Apply for your loan.

Step 8:      Buy your insurance. (Read the policies carefully. Hurricanes happen.)

Step 9:      Close the loan.

Step 10:    Celebrate! You are now the proud owner of Florida real estate.

Here’s a quick statistic reference guide from Trulia to some 2012 average listing, and 2012 median selling prices of FL real estate in some of the cities we serve:

CityAvg. Listing PriceMedian Sales Price
Fort Lauderdale$784,638$185,500
Palm Bay$115,417$80,000
West Palm Beach$386,743$90,000
Cape Coral$258,956$117,500
Port St. Lucie$176,688$100,000


Ally Bank

Jacksonville, Florida

Beach Community Bank

3702 Highway 98, Mexico Beach, FL 32456


20 Giralda Ave. Coral Gables, FL 33134

Fifth Third Bank

10899 Park Boulevard Seminole, FL 33772

GE Capital Bank

Boca Raton, FL

Synovus Bank - Westshore

4488 W Boy Scout Blvd, Tampa, FL ‎

Florida mortgages

Come Discover beautiful Florida Real Estate | Avrus Mortgage Services

Discover Great Mortgage Rates In Florida

Florida is a great state with a history, a climate and a standard of living that are the envy of the world.  And one of the really great things about Florida, from the perspective of someone who is planning to move here, is Avrus Financial and Mortgage Services.

Avrus is a different kind of company.  Since 1982, we have been welcoming homeowners and home buyers with a warm smile, providing them with helpful and friendly assistance so that they can afford their dream homes, while so many banks were simply dismissing them. 




Here is the traditional way that Florida mortgages are typically arranged by the banks.

  • First, the bank makes you fill in a huge pile of forms.
  • Then the bank makes you wait.  And wait.
  • Finally, the bank says, “Sorry, you don’t qualify”.

 All that work the banks put you through for nothing.  Not only is that not very respectful of your time, but it is also completely unnecessary.  Most people can qualify if given half a chance. 

Here is how Avrus Financial and Mortgage Services arranges your Florida mortgage: 

  • First we prequalify you; that doesn’t take all the forms.
  • Oops, if you don’t qualify, we take the time to help you fix that bump in the road so that you do qualify.  In most cases there are steps you can take.
  • Then, once you qualify, we help you complete the rest of the forms.
  • We learn everything we can about your financial plans, how you like to handle your finances and your plans as owner of your new Jacksonville property.
  • Next we get the best mortgage with the optimal term and the ideal features for you, based on our plans for both the property and your finances overall.
  • One more very important step, we push to see how low an interest rate we can get for you on that ideal mortgage, because that can save you big money that can be used in better ways than paying interest.
  • Finally, we help you through the mortgage sign-up process. 

    Florida Mortgages and FLorida Mortgage Rates Will Have You Singing Like a Bird

    Your Florida Mortgage Rate is nothing to Mock About

Florida is a great state, and a Florida mortgage is something to wear with price.  It means that you own a part of the State of Florida, and you are now the envy of the world.  We are always thrilled to help another Florida homeowner make it happen.

A Reverse Mortgage Florida can Sweeten Your Retirement Vacation Plans | Avrus Financial Services

Florida Mortgage Rates Are As Sweet as Their Oranges


A Reverse Mortgage in Florida Can Stablize your Retirement IncomeYour Florida Mortgage Broker will Help You with Your Florida Home Purchase | Avrus Financial

Keep the Florida Mortgage Broker in Sight when Purchasing Florida Real Estate | Avrus Mortgage Services

Mortgages in Florida are on Track

Overcome Retirement Financial Woes with a Reverse Mortgage Florida Loan

Take Flight with a Florida Mortgage Refinancing