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.


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

Don’t Get Submerged in Florida Real-Estate, Let Steve Avrus Guide You

With the size of Florida reaching an incredible 65,754.59 square miles, the idea of finding that

Mortgage Broker Florida Steve Avrus

one perfect home to purchase can feel overwhelming. Where should you start your search? How do I get pre-approved for a mortgage? Where are the new up-and-coming neighborhoods? People’s questions and concerns about purchasing a home can go on and on. If you are searching for a home to purchase in the sunny state of Florida, you should contact Steve Avrus.

Steve Avrus’ Company Avrus Financial & Mortgage Services.

For more than 37 years Steve Avrus has been working with investors in Florida as well as in Georgia helping them find the important information they need to make real-estate investments.

You can follow some of these simple tips to make the process of finding a home in Florida, or any other large state that you may be unfamiliar with, less overwhelming:


  1. Once you have decided it is time for you to purchase a home, you are most likely going to need to apply for a mortgage. One critical factor that banks look at when evaluating your loan application is your credit score. Make sure you know what your score is as well as obtain a copy of your credit history so you can check the information and find possible errors before sending it to the bank.  Steve Avrus can provide you with more information about how to get pre-approved for a loan with a low mortgage rate.
  2. Once you receive your loan and know your budget, make a list of your home “must-haves” and what features you could compromise on. Remember: it is very unlikely that you will find a home that has all of the items on your “must-have” list, so be prepared to compromise. For example, purchasing a home that is located in a good school district may be a better choice for your family than a home that has 4 bathrooms. This information will help real-estate agents find a house that’s best fitted for you and your family.
  3. Once you have found a home that you want to purchase, research how much other homes in the area have recently been sold for. This will give you a better idea of what type of bid to make on the home.
  4. It is a good idea to hire your own home inspector to survey the home before you buy it. Buying a home that has hidden leaks, breaks or other issues can turn into a nightmare. The inspector will point out any problems in your home so you know exactly the quality of home you are purchasing.

By Steve Avrus

Palm Beach Homes

Homes listed in Treasure Coast real estate are selling faster every day. With miles of white sand Atlantic coast beaches and communities that range from exclusive waterfront estates to unique neighborhoods with a home town feel, both residents and visitors alike flock to this South Florida destination. In a time of historically low interest rates, now is the time to look at all the hot properties this tropical paradise has to offer.

This exciting destination location is a great place to buy an investment property or enjoy the year round warm Florida weather yourself. You’ll have fantastic opportunities with Juno Beach real estate, Jupiter property, and other properties along with illustrious Palm Beach homes—one of Florida’s real estate superstars.

West Palm Beach Condos2A Palm Beach address comes with the island’s prestigious reputation and access to outdoor amenities like yachting, equestrian sports, fishing, golf, surfing, water skiing, and beach fun as you bask in the Florida sun. Explore Florida’s beautiful barrier islands kayaking down the Intercoastal Waterway. After drying off, you can enjoy visits to museums, shopping centers, and fine dining restaurants. Palm Beach, Florida real estate is unique in the way that you can play a polite polo match and airboat through the Everglades in the same day.

Financing Your Palm Beach Mortgage

Once you decide between the many luxury condos, townhomes, and beach houses available in Palm Beach, you will still need to find a way to finance your Palm Beach mortgage. After taking the time and effort to find the right home for you, the last thing you want is an exhausting mortgage application process. At the same time, despite the complexity home financing, you’ll want to know every important detail about your big investment.

Buyers should consider whether banks are the right lenders for them. They may be disappointed to find they don’t get the personalized attention such an important purchase demands. A mortgage broker experienced with Palm Beach mortgages may be a better fit. Avrus Financial & Mortgage Services has been helping home buyers explore all options for home financing since 1982. Avrus can expertly guide you through the entire Palm Beach home financing process, home refinancing, or financing services in neighboring areas such as a Boca Raton mortgage. You can refer to Avrus as your go-to mortgage broker for a variety of financial services, including reverse mortgages, jumbo mortgages, or whatever your unique needs may be.

For a simpler, affordable way to finance your Palm Beach mortgage, see Avrus to get your real estate plans rolling.

By Steve Avrus

The ideal mortgage broker for Gold Coast real estate

Mortgage Company Off The Gold Coast Helps You Stack Your Gold Coins | AVRUS | Avrus Financial & Mortgage Services, Inc. ℠

Gold Coast Real Estate Financing

     Worlds away, people know about Miami.  Worlds away, people know about West Palm Beach.   Most of all, worlds away, people know about Hollywood.  The trouble is, the Hollywood they know about is in California…which is pretty much worlds away from the Gold Coast of Florida where you are right now looking to move.

In fact, Hollywood and Fort Lauderdale are not the only communities along the Gold Coast.  Between Palm beach homes in the north and Miami homes to the south lie several prime real estate options worthy of your consideration:

  • Boca Raton real estate
  • Wellington real estate
  • Juno Beach real estate (OK, that’s actually a bit to the north)
  • Jupiter Florida real estate (OK, that’s actually a bit to the north)
  • Coral Gables real estate (OK, that’s actually a bit to the south)
  • And of course, Fort Lauderdale and Hollywood real estate

There are dozens of other amazing communities in the area to live in, but they all share something in common with the ones listed above.  They all share the Florida coast, an amazing array of homes (You should see the homes in Coral Gables!), vibrant communities and Avrus Financial & Mortgage Services, Inc.

Avrus is more than just a Boca Raton mortgage broker or a Wellington mortgage broker.  Avrus serves the entire Gold coast, and indeed the entire state of Florida, saving homebuyers from the merciless mortgage application process of the banks.

Banks in Hollywood Florida aren’t any different than banks in Hollywood California – or anywhere; none of them really care about your mortgage.  They make plenty of money in much bigger things.  What do they care about a few Juno beach homes or  Palm beach homes?    That’s why they so often say “No!”

Bank Says No!  We Say Yes! 

We care.  We care about your business; it’s our only source of income.  We care about your dreams; we are your neighbors.  We care about your referrals; that’s our future.  You might not matter to the banks, but you matter to us.  We don’t say “No!”  We say, “Let’s figure out how to make it a ‘Yes!’”

From Miami to West Palm Beach, all along the Gold Coast, we have you covered.  Shop around, find the home of your dreams, make an offer…then come to Avrus to get the mortgage that you deserve.  The best terms possible, but more importantly, a big resounding “Yes!

By Steve Avrus

Let The Sunshine In!

      It’s not just a phrase from a musical: it’s what happens when you move to Florida: you let the sunshine in, not only into your mind and body and being, but into your house as well.

If you already live here, then you know what we’re talking about. Every room is filled with sunshine, with that special sparkle that you can only find in Florida. But that beautiful house you love may be costing you more than you need to be paying if you haven’t applied recently for a Florida refinance mortgage.

As we’ve often said before, there are plenty of great reasons to refinance your Florida mortgage. You’ll discover lower monthly payments along with a lower interest rate that will enable you to spend less time worrying about your mortgage and more time outside enjoying that Florida sunshine!

Beach side Florida Keys view with coconut palm trees along the bay | AVRUS | Avrus Financial & Mortgage Services, Inc. ℠(But don’t feel that Florida refinance loans are the only ones that can help you; we also offer Georgia mortgage services and are very happy to help you with a refinance there as well!)

Living in Florida is a dream come true for many people. You can, as VisitFlorida.com says, “go sandy-toed on the beach and well-heeled in the city”— and both in the same day! It’s a state filled with lush vegetation, high-tech companies, a thriving entertainment industry, and some of the finest dining you’ll find anywhere in the US. The only question that many of us have is why everyone hasn’t moved here!

But living here comes at a price, and we’re Florida mortgage brokers eager to help you reduce yours through Florida mortgage refinancing. Chances are that you’re paying more every month than you have to, or that you should be—and you’ll have to agree that there are a lot of better places to be spending all the money that you’re wasting! You’re living in one of the most visited and loved tourist destinations in the world, and you may not even know everything that’s at your doorstep: Did you know, for example, that Florida has several fine vineyards where you can go for wine tastings? Have you ever gone to what’s considered the most significant art show in the US, Art Basel at Miami Beach? Florida comprises world-renowned art collections, botanical gardens, theaters showing Tony Award-winning musicals or virtuoso ballet performances … and that’s without even touching the grandiose entertainment parks and complexes that draw hundreds of thousands of people to the state every year.

These are all the sorts of things that we who live here tend to overlook; we only go there when someone is visiting from out of state. But would that change if you had a little extra money in your pocket every month? Why not lower your mortgage payments now and find out?

The Florida real estate market is booming, so it’s clear that more and more people are coming to live in our little paradise. Don’t let new homebuyers be the only ones to latch onto great Florida mortgage rates: claim yours today through a great Florida refinance loan. We’re ready when you are!

By Steve Avrus

New Digs in Daytona Beach, Florida

Close your eyes and think about Florida. What do you see? Chances are you’re looking at pristine sandy beaches, the green rolling hills of golf courses, great shopping and fine dining, and some unique family activities thrown in as well.

Daytona Beach Mortgages | AVRUS | Avrus Financial & Mortgage Services, Inc. ℠

What you’ve just imagined is a snapshot view of Daytona Beach, and you’re right: it’s the perfect vacation spot. And if it’s great to visit, it’s even greater to live here!

Imagine living in the midst of one of Florida’s most fabulous destinations: other people come here for vacation, but you could make it your Florida home. Daytona Beach offers something for everybody. Your children will be urging you out of the comfort of your bed so they can take advantage of a full day of go-karts, mini-golf, waterslides and laser-tag fun. You may want to stay just as active as them, with parasailing, skydiving and surfing all at your fingertips.

Or not. There’s a lot to do even if you’re not a skydiver at heart, and you’ll find that your home in Daytona Beach, Florida, will also offer a front-row seat for less strenuous activities. We’re near shopping—antiques, clothing boutiques and gift shops—as well as great Florida seafood restaurants, and there’s Daytona Beach real estate close to what many call the World’s Most Famous Beach … all 23 miles of it.

If you’re visiting during the summer months, then you may be lucky enough to see Daytona Beach’s green sea turtles as they crawl onto the beach to lay their eggs. You can learn more about them at the Marine Science Center. And even if you’re not a NASCAR fan, how could you not live near Daytona Beach without checking out the Speedway?

Whatever you decide to do with your time, getting a Daytona Beach Florida mortgage is as easy as visiting your local Daytona Beach mortgage experts and finding out what mortgage rates in Daytona Beach currently are. With your preapproval in hand, you can start figuring out which neighborhood will be the place that you can call your Daytona Beach Florida home.

We’re looking forward to seeing you soon!

By Steve Avrus

Finding Your Residential and Commercial Mortgage Rates Gainesville, FL

Gainesville commercial real estate | AVRUS | Avrus Financial & Mortgage Services, Inc. ℠

New Mortgages For Alachua County by Avrus

            There are very few places in Florida that you wouldn’t want to live, but the Gainesville area may be one of the truly nicest of them all. Because of the presence of the University of Florida, Gainesville is an educational and cultural hub, an important independent music center, and yet has enough green spaces to delight the most avid nature lover.

  If you’re thinking of buying real estate with mortgage rates Gainesville, FL it may be just the right place for you. Gainesville is ranked at number three in the 10 best markets for real estate investors, according to the Inman News Reports:

  “The Gainesville metro area enjoys an employment stability unknown to most major Florida markets. While the state’s non-seasonally adjusted unemployment rate was 10.6 percent in March, Gainesville had a rate of 7.5 percent. The area also has the highest 10-year projected job growth among the 10 markets, at 38.3 percent.”

And if you’re considering relocating your business here, or opening a new one, then there are some great commercial real estate opportunities as well. Because of the university, Gainesville has a vibrant, young population that may be just what you’re looking for in terms of customers! Gainesville offers an educated population, low crime rates, and cultural activities that include the Harn Museum of Art, which is one of the top ten public university art museums in the nation, featuring world-renowned collections of African and Asian art, contemporary and modern art, and photography.

Real estate in Gainesville continues to be affordable, with the current low interest rates making Gainesville mortgages even more attractive, so you won’t have any problems finding a home that fits your needs. And we can help with you a mortgage for your commercial real estate needs as well, should you decide to locate your business in this community.

Why not give us a call today? Getting preapproved for your Gainesville, Florida mortgage is the first step in taking advantage of this highly rated real estate market. Whether you’re looking for residential or commercial real estate financing, we can help with your Gainesville mortgage preapproval and help put you, your family, and even your business into this vibrant Florida community!

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.

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