A free personalized financial service with advice based on the experience of the best mortgage brokers that will help you find the perfect personalized mortgage. The best market rates and the most complete product offer on the market to save you time and money. State-of-the-art technology to streamline and simplify the mortgage process at every step.
With over 12 years of experience in the mortgage industry, James is a seasoned professional dedicated to driving sales growth and enhancing client relationships.
Known for his strategic approach to market expansion, he has a proven track record of leading high-performing sales teams and implementing innovative strategies that boost revenue.
A former Vice President of Operations, James brings extensive experience in the broker channel, fostering well-established relationships with lenders that enhance collaboration and streamline the mortgage process. This broad network enables him to effectively identify client needs and deliver tailored solutions that meet diverse financial goals.
A skilled communicator and motivator, James thrives in dynamic environments, promoting a culture of collaboration and excellence within his team. His passion for mentoring and developing talent has led to significant career advancement for employees in the industry.
He will be a vital asset to the Orbis Mortgage Team as he manages the new team in Ontario. James’ expertise in Operations, Human Resources, and Sales will greatly enhance our recruitment efforts as we expand in Ontario.
Seeking a home loan? Look to a leading North American agency. Partnered with top lenders, we secure optimal rates and products tailored for you. Our licensed experts offer personalized guidance, streamlining the process to save you time and money. Start your journey today.
Our seasoned team boasts decades of collective expertise in both residential and commercial financing.
With access to numerous lending institutions throughout North America, we secure the most favorable rates and products to match your requirements.
Whether you’re a first-time homebuyer, self-employed, or a non-resident, we have the right programs and products to fulfill your financing needs.
Our committed loan originators are at your service round the clock, providing free expert advice. Working exclusively for you, not a financial institution, they diligently scour the market to find the best product and rate available.
The VA Loan is exclusively for active-duty military members, veterans, reservists, National Guard members, and surviving spouses, backed by the U.S. Department of Veteran Affairs. This loan offers exceptional benefits, including no down payment, no requirement for mortgage insurance, and flexible underwriting standards. Borrowers can enjoy lower interest rates and streamlined refinancing options, with seller contributions of up to 4% allowed. Surviving spouses of deceased veterans may also qualify, ensuring broad accessibility.
For personalized guidance or if you have any specific questions, don’t hesitate to contact us today. Our team is ready to provide you with the support and information you need to make informed decisions. Reach out now for expert assistance tailored to your unique situation.
Conventional Loans are not government-insured but are instead backed by Freddie Mac or Fannie Mae. They require a down payment as low as 3% and provide various repayment terms, with popular options being 15 and 30-year fixed rates. These loans are suited for borrowers with strong credit, offering the advantage of eliminating Private Mortgage Insurance (PMI) when more than 20% is put down. Seller concessions can range from 3% to 9%, providing flexibility in closing negotiations.
Need expert advice? For personalized guidance or if you have any inquiries, please reach out to us. Our dedicated team is prepared to offer you the necessary support and detailed information to help you navigate your choices. Contact us today for specialized assistance that is customized to your specific needs.
A Renovation Loan is a government-backed mortgage that rolls the cost of a home purchase or refinance and renovation into a single loan, making it easier to manage finances while upgrading a property. It is designed for buyers looking to purchase homes that need immediate improvements or homeowners seeking to enhance their current residence. This loan simplifies the financial process by allowing discussions with mortgage specialists to tailor the renovations according to specific guidelines and budgets.
If you require tailored advice or have particular questions, we’re here to help. Our knowledgeable team is eager to provide the insights and support you need to make well-informed decisions. Don’t wait—get in touch with us now for professional guidance suited to your individual circumstances.
Jumbo Loans are designed for properties that exceed the conventional loan limits set by the Federal Housing Finance Agency, ideal for high-cost areas and pricier properties. They are not backed by the federal government, which means they often come with more stringent credit requirements. However, they are essential for financing luxury homes or properties in highly competitive markets, providing substantial loan amounts beyond the reach of conventional loans.
Contact our team today for individualized support and answers to your specific questions. We are committed to providing you with the expertise and information you need to make confident decisions. Reach out today and let us assist you with personalized guidance.
The FHA Loan is a government-insured mortgage that makes homeownership more accessible, especially for first-time buyers with lower credit scores. With down payments as low as 3.5% and more lenient credit requirements, FHA Loans are particularly favorable for those with less accumulated savings. The loan includes a mortgage insurance premium that is financed upfront and an ongoing monthly fee, offering stability and federal backing to lenders.
If you’re seeking tailored advice or need answers to specific queries, our team is ready and waiting to assist you. We offer expert guidance and detailed support to help you make the best decisions. Contact us now for personalized assistance that meets your unique needs.
Cash Out Refinance allows homeowners to access a significant portion of their home’s equity at favorable interest rates compared to other credit options. This type of refinancing can be beneficial for covering large expenses such as home improvements or consolidating high-interest debts. Eligibility often requires at least six months of homeownership and depends on the current home equity level, with certain exceptions for inherited properties.
Reach out today for expert help designed specifically for your situation.
This financing option is designed for those purchasing a condominium, where the lender conducts a thorough review of the condo’s financial and operational health. Both limited and full reviews aim to ensure the sustainability of the condominium complex, with full reviews providing a deeper assessment of the condo association’s operations. This type of loan is particularly important for buyers looking for a secure investment in a well-managed community.
Contact us today for specialized assistance that is customized to your specific needs.
The Family Opportunity Loan allows individuals to assist elderly parents or disabled adult children who are unable to secure financing on their own. This program treats the purchase as if the buyer were going to occupy the home, offering more favorable terms typically reserved for primary residences. This loan is based on Fannie Mae guidelines and provides a unique opportunity for family members to support each other in maintaining independence.
If you require tailored advice or have particular questions, we’re here to help. Contact us today!
Delayed Financing is a financial strategy where a buyer purchases a home with cash and then secures a mortgage on the property after closing. This approach offers the benefits of a cash purchase, such as competitive bidding positions, followed by the recuperation of liquidity through mortgage financing. It’s especially useful for investors and homeowners who initially buy with cash but wish to free up funds without waiting the traditional six months usually required by lenders.
Reach out today and let us assist you with personalized guidance.
The Hometown Heroes program is designed to help full-time workers in Florida, particularly those earning less than 150% of the county’s median income, by providing up to $35,000 in down payment assistance. This assistance is offered as a deferred, zero-interest second mortgage that aligns with conventional, FHA, VA, or USDA loans, providing substantial support in covering initial homeownership costs.
Our dedicated team is prepared to offer you the necessary support and detailed information to help you navigate your choices. Contact us today for specialized assistance that is customized to your specific needs.
The Florida Hometown Heroes Housing Program is designed to alleviate some of the financial burdens associated with purchasing a home, particularly useful in today’s competitive market. It provides essential financial support specifically tailored for first-time homebuyers, veterans, and active-duty military personnel based in Florida. This program offers up to $35,000 in assistance to cover down payments and closing costs, acting as a 0% interest deferred second mortgage, which only becomes due when the home is sold, refinanced, or otherwise no longer the primary residence of the owner.
Participants can receive up to 5% of their total mortgage loan amount to help manage the initial expenses of buying a home. The program is compatible with various loan types, including conventional, FHA, VA, and USDA loans, thus offering a range of financing options to suit different needs and circumstances. This initiative aims to make homeownership more accessible and affordable to those who serve our communities, helping them to invest in their future in Florida.
Purchasing a condo with a VA loan requires the condo complex to be VA-approved, ensuring compliance with VA standards and protecting the interests of borrowers. This loan type covers not only condominiums but also townhouses, with specific rules ensuring that the homeowners’ association (HOA) does not impose undue financial burdens on VA loan borrowers. VA approval ensures that the entire complex meets the government’s criteria, safeguarding both the individual owner’s investment and the government’s interest.
If you require tailored advice or have particular questions, we’re here to help.
The VA Cash Out Refinance allows eligible veterans, active-duty service members, and surviving spouses to refinance up to 100% of their home’s value. This option is perfect for homeowners who want to convert their home equity into cash for purposes such as home improvements, debt consolidation, or other significant expenses. The loan offers favorable terms, often better than those on non-VA loans, reflecting the federal government’s ongoing support for military families.
The Interest Rate Reduction Refinance Loan, or IRRRL, simplifies the refinancing process for veterans with existing VA loans looking to reduce their interest rates or monthly payments. This streamlined program does not require an appraisal or credit underwriting package, and there are no out-of-pocket costs as all fees can be included in the new mortgage. The IRRRL is an exclusive benefit for veterans, allowing for a faster and less cumbersome refinance experience.
Reach out today and let us assist you with personalized guidance.
The Alternative Income loan caters to individuals who earn non-traditional income, such as freelancers, contractors, and those with variable earnings like tips and commissions. This loan type acknowledges diverse income sources and provides flexible loan options to accommodate unique financial scenarios. Ideal for those who may not have regular salaried income but can demonstrate earning capacity through bank statements and other financial documents.
If you have specific inquiries or need tailored advice, please contact us at your convenience. Our dedicated team is eager to offer you the necessary support and insights to help you navigate your choices effectively. Connect with us today for customized assistance that addresses your unique needs.
A Reverse Mortgage, available to homeowners aged 62 or older, allows them to convert part of the equity in their home into cash without the need to sell the house. This type of loan does not require monthly mortgage payments, though borrowers must still pay property taxes and homeowner’s insurance. It’s particularly useful for seniors seeking to supplement their retirement income while maintaining ownership of their home.
If you have specific inquiries or need tailored advice, please contact us at your convenience. Our dedicated team is eager to offer you the necessary support and insights to help you navigate your choices effectively. Connect with us today for customized assistance that addresses your unique needs.
The Construction to Permanent Loan is ideal for those looking to build their dream home from the ground up. This versatile financing solution covers both the land purchase and construction costs in one single-close loan, simplifying the process by transitioning into a standard mortgage upon project completion. With terms usually set at 15 or 30 years, this loan offers the convenience of a one-time closing and the stability of long-term financing.
This type of loan stands out for its flexibility compared to more restrictive government-backed options, making it a superior choice for custom home construction. Whether you’re planning a modest home or a grand residence, our construction-to-permanent loans adapt to your project’s scope and scale.
The FHA 203(h) Loan offers a critical lifeline for individuals impacted by disasters, providing financing to help rebuild homes or purchase new properties in the aftermath. Designed specifically for those whose primary residences have been destroyed or severely damaged within a Presidentially Declared Major Disaster Area (PDMDA), this program supports recovery and rebuilding efforts by making it easier to secure necessary funds.
The FHA 203(k) Loan is designed specifically for those interested in purchasing fixer-upper properties or undertaking significant renovations on their current homes. This innovative financing option combines the costs of property purchase and necessary renovations into a single, streamlined mortgage, making it easier to manage both acquisition and improvement expenses under one roof.
Perfect for buyers looking to customize a home to their tastes or improve a property’s value, the FHA 203(k) Loan simplifies the process by providing sufficient funds to cover both the buying price and the cost of repairs or upgrades. Homeowners can also take advantage of this loan to refinance and fund renovations, enhancing their existing residence without the complexity of separate loans.
The Conventional Rehab Loan provides an exceptional financing solution for homebuyers and homeowners looking to include property purchase and renovation costs in a single loan. This innovative approach eliminates the complexity and additional costs associated with securing separate mortgages or home equity lines of credit for renovations. By integrating the costs of home improvements directly into the initial mortgage, borrowers can streamline their financing and focus on transforming their new or existing property.
Ideal for those seeking to renovate a home without the upfront financial burden, this loan offers the convenience of no money down options, allowing more accessible entry into homeownership and property investment. The Conventional Rehab Loan merges the practicality of traditional financing with the flexibility required for comprehensive home renovations.
Designed to promote accessibility to homeownership in rural areas, the USDA Loan offers 100% financing with no down payment required, making it ideal for low- to moderate-income families looking to buy in eligible rural areas. This loan type also allows for seller concessions and certain closing costs to be included in the loan, enhancing affordability.
Jumbo Interest Only Mortgages provide an initial period during which only the interest on the loan is paid, reducing monthly payments significantly. This loan type is particularly suitable for borrowers who anticipate a future increase in income or those looking to minimize their monthly financial burden while possibly investing the savings elsewhere.
Our dedicated team is here to offer the support and insights you need to navigate your options confidently. Contact us now for specialized assistance that’s customized to meet your specific needs.
Jumbo Adjustable Rate Mortgages offer initial fixed rates for a set period before adjusting based on market conditions. This type of mortgage is ideal for borrowers purchasing high-value properties who are comfortable with the risk of varying interest rates and who may benefit from initially lower payments.
Our knowledgeable team is on standby to provide you with detailed support and help you make well-informed decisions. Don’t wait—reach out today for personalized advice suited to your individual circumstances.
Jumbo Cash Out Refinance allows homeowners with high-value properties to refinance their existing jumbo loans to access their home equity in cash. This can be used for a variety of financial strategies, including debt consolidation, home improvements, or other significant expenses, providing financial flexibility at potentially lower interest rates.
Get in touch now for expert advice customized just for you.
The FHA Cash-Out Refinance enables homeowners to turn a portion of their home equity into cash while enjoying the benefits of an FHA-backed loan. Suitable for those with lower credit scores, this refinance option also requires paying an upfront and ongoing mortgage insurance premium, securing the loan against default risks.
If you need customized assistance or have specific questions, don’t hesitate to reach out to us today. Our experts are prepared to provide you with the precise information and support you require to make informed choices. Contact us now for dedicated help tailored to your unique needs.
The Spot Approved Condo process allows buyers to use FHA loans to purchase individual units in condo complexes that are not FHA approved as a whole. This process is intended to make it easier for individuals to purchase condos in desirable locations, even if the entire complex hasn’t met all FHA requirements.
For any personalized advice or specific questions you might have, please don’t hesitate to contact us.
The Hometown Heroes program under FHA offers significant assistance for eligible public service workers seeking to purchase homes in Florida. Providing up to $35,000 in down payment assistance, this program helps cover upfront housing costs, facilitating homeownership for those who serve the community.
Our team is ready to provide you with the assistance and information necessary to make decisions with confidence. Reach out to us today for expert help tailored to your unique circumstances.
The FHA Streamline Refinance offers existing FHA mortgage holders a quick and easy refinance option with minimal paperwork, no appraisal, and flexible credit requirements. Designed to lower interest rates and monthly payments, this refinance option is a strategic choice for homeowners looking to improve their financial situation with less hassle.
Seeking expert advice? Contact us today for customized assistance and detailed answers to your questions. Our dedicated team is here to support you, ensuring you have all the necessary information to make the best choices.
The Chenoa Fund Down Payment Assistance program supports eligible borrowers by offering 0% down financing solutions. This program is particularly helpful for those who qualify for an FHA loan but lack the funds for a down payment, providing a pathway to homeownership without the initial financial barrier.
If you’re looking for guidance tailored to your unique situation or have questions that need clear answers, our team is ready to provide the personalized support you require. Contact us today to tap into expert advice that can help you make informed and confident choices.
The FHA 203(k) Rehab Loan enables both the purchase and renovation of a home through one financing package. This loan is ideal for buyers interested in rehabilitating undervalued properties or for homeowners wanting to finance major improvements, incorporating all associated costs into one manageable loan.
Our team is equipped to provide you with the expert assistance and information necessary for making informed decisions. Contact us today for support that’s tailored to your needs.
