Palm Ridge Mortgage
Wendell Boyd
Mortgage broker · Brevard County, Florida
A mortgage is the one part of a move that can hold everything else up. This is the part I take off your hands.
Start hereWendell Boyd has arranged home loans in Florida for nineteen years, through the good years and the bad ones. He is a broker, not a bank, so he is not tied to one lender's rule book - he takes your situation to the lenders most likely to say yes to it, and he tells you early if the answer is going to be no. Most of his work comes from people who were sent to him by somebody he already looked after.
How a loan gets arrangedIn this order
The first conversation
What you are trying to do, what you have to work with, and whether it is realistic. Half an hour on the telephone. Where you are moving from, when you need to be in, what you earn and how, and what you already own. Out of that comes a pre-approval letter, which is what a seller and an agent want to see before they take an offer seriously.
The paperwork, gathered once
A single list of what lenders will want. Send it once and it does not get asked for again. Pay stubs, tax returns, bank statements, and for the self-employed the business returns and a year-to-date statement. It is checked when it arrives, so the file that goes to the lender is complete the first time.
Where it goes
Which lenders your situation actually suits, and why, told to you before anything is submitted. A lender that is good for a salaried buyer is often the wrong one for a business owner, a second home or a condominium, and the choice is made on how each lender reads a file like yours, not on which one is nearest.
The application
Filed, chased and followed up. You are told what is happening rather than having to ask. The lender orders the appraisal and the file goes to its underwriter, the person who decides. Each week you hear where the file is and what, if anything, it is waiting on.
The conditions
Everything a lender asks for after the first yes, handled so it does not stall your closing date. An updated statement, a letter explaining a deposit, proof the old house has sold. Each one is chased the day it is asked for, because the closing date is waiting on the last of them.
The closing
Coordinated with the title company and the agent so the day runs the way it is supposed to. The closing disclosure is sent to you ahead of the day and gone through line by line, so you sign what you already understand. Then the loan funds, the deed records, and you have the keys.
He answers his own telephone. When you call about your loan, you speak to the man arranging it, not to a call center queue and not to a different person each time.
He will tell you plainly when a purchase does not work. A buyer who is stretched too thin is a buyer in trouble two years later, and he would rather lose the business than put somebody in that position.
Getting the loan sorted before you start looking at houses.
What we doSix ways in, one broker
Buying a home
The whole process from the first conversation to the day you get the keys, with the paperwork chased for you rather than by you.
Refinancing
A look at whether changing your existing loan actually helps you, and a straight answer when it does not.
First-time buyers
Explained from the beginning, in plain words, with nobody made to feel foolish for asking what a term means.
Self-employed and business owners
Income that does not fit a standard form, presented to lenders who understand how a real business looks on paper.
Buying from out of state
For people still living somewhere else, with everything arranged at a distance and nothing needing a trip to sign.
Investment and second homes
Financing for a property that is not your main home, with the different rules explained before you commit to anything.
Who it is for
This suits people buying their first home in Florida, and people moving here from another state. It suits self-employed people whose income does not fit a standard form, and anybody who has been turned down somewhere else and wants to know why. It suits people refinancing a loan they already have, and people buying a second home or a rental property.
Who it is not for
It does not suit somebody who wants a number quoted before a conversation, somebody buying commercial property, or somebody who needs a loan closed in a matter of days.
Call before you find the house, not after. It makes everything that follows easier.
The words you will hearPlain meanings
Palm Ridge Mortgage
(321) 555-XXXX
Brevard County, Florida · Telephone, video or at your kitchen table
wendell@palmridgemortgage.example
Ask about a premium address for your trade and county.
Tell us the business, the trade and the county. We answer by telephone, usually the same day, and nothing is agreed until you have seen your page.