Fannie Mae Home Path
Right now there is a record amount of money sitting in depository accounts, checking, savings, money markets etc… earning little to no interest. Does this sound familiar? So the question becomes, where do I invest my money? Stocks seem...
Luxury Loan
Jumbo fixed and adjustable financing offers maximum flexibility for those who need options to diversify risk and maximize under performing assets. PROGRAM HIGHLIGHTS Loan amounts $417 – $2 million Historical low rates locked...
What are the Discount Points and Origination Fees?
Each “point” is equal to 1 percent of the loan amount. Therefore, 2 points on a $100,000 loan cost...
What Are All the Costs?
All the costs of a loan include not only fees that the lender requires to write your loan but...
testimonial1
“We will be referring all friends/family/co-workers to Morgan Financial! I have achieved the American dream because of your team....
testimonial2
“My wife and I recently purchased a home in Satellite Beach with Morgan Financial as our mortgage broker. They...
testimonial3
“To the entire Morgan Financial Team, you guys made a dream that I thought impossible a reality! Thank you...
Which Type of Loan is Best?
Reputable lenders will find out more about you before throwing out loan options. You wouldn’t expect a doctor to...
What does Annual Percentage Rate Mean? (APR)
The annual percentage rate (APR) is derived by a complex calculation that includes the interest rate and the other...
Will the Lender Guarantee the GFE?
According to the Real Estate Settlement and Procedures Act (RESPA), lenders have three days after you’ve applied for a...
Do You Offer Loan Rate Locks?
Interest rates fluctuate and change daily. If you have reason to believe that interest rates are moving up, you...
Is There a Prepayment Penalty?
In some states, prepayment penalties are no longer allowed, so ask. Typically, prepayment penalties let the lender collect an...
Are You Equipped to Approve Loans In-House?
Underwriters review loans and issue conditions before approving or rejecting a loan. VA and FHA loans typically take longer...
How Much Time Do You Need?
The average loan processing time periods falls between 21 and 45 business days. To properly write a purchase contract,...
What is the Yield Spread Premium?
If your loan officer is receiving a yield spread premium (YSP), a commission paid directly by the lender to...
Who We Are Bottom Section
Our Standards Morgan Financial’s minimum standards for our Mortgage Consultants include the following: Federal Licensing and Registration with NMLS...
David Morgan
Flying was David’s first passion, but not far behind was the vast array of puzzles of the financial world....
Yena Morgan
After graduating Penn State with her bachelors in Human Development and Family Studies, Yena met David Morgan, and the...
Joe Harris
Joe Harris was born and raised in the Washington D.C. area. Wanting to attend a college with both an...
Bryan Troy
Bryan Troy was born and raised in Ohio. Having a great love of the ocean his whole life, he...
Emily Detwiler
Emily is a Florida native, a Melbourne native no less! After attending Florida State University, and working in the...
Amy Miller
Amy is a West Palm Beach Native, born and raised in the Sunshine State. Can you believe it, a...
Joe Couturier
Joe Couturier is a true Florida native having been born and raised in Brevard County. Joe attended Rockledge High...
Florida Home Affordable Refinance Program (HARP): How to get started
It has been recently announced that there will be a new version of the HARP (Home Affordable Refinance Program)...
A Christmas and Holiday Message from the Morgan Financial Team
A holiday greeting from the Morgan Financial Family: Thank you for your role in making 2011 a great year!...
The New HARP Program Could Help Millions- The Florida Positive Real Estate News
It has been recently announced that there will be a new version of the HARP (Home Affordable Refinance Program)...
What to do if you have no credit? Secured credit cards and one way to establish credit
It is an age old catch-22; you can not get credit, because you do not have credit. Have you...
From David Morgan
Hi Everyone, As you can tell from the past few emails, Joe Harris and I are working on our...
Positive Real Estate News – Florida Jumbo Loans
The luxury or high end real estate market in Florida is seeing more action now than it has in...
What’s this Market mean for You?
Subprime mortgages have now been credited for bankrupting well over 110 lenders and seriously damaging operations at many major...
Home Sweet Deals
When it comes to real estate, foreclosures aren’t the only big story in the news. Builders and sellers are...
ARM’s – Be ready before October!!
ARM Yourself Against Higher Payments According to CoreLogic, nearly 300,000 subprime adjustable-rate mortgages (ARMs) are scheduled to reset throughout...
2008 Loan Limits increased
Increased Loan Limits This Year Only The Economic Stimulus Act of 2008 did more than just authorize rebate checks....
Pre-Approval the Morgan Financial Way!
Top 10 Credit Don’ts During the Loan Process
Florida Home Affordable Refinance Program (HARP): How to get started
A Christmas and Holiday Message from the Morgan Financial Team
The New HARP Program Could Help Millions- The Florida Positive Real Estate News
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