To find out if you qualify for a mortgage it is best to go directly to the source.  
Contact a lender. It could be your bank or a mortgage broker.
This site is maintained by Deborah Elliott a State of Florida licensed Real Estate agent and Realtor located and working in the Central Florida
area.  A member of the Realtors Association of Lake and Sumter Counties and employed by Charles Rutenberg Realty one of the largest Real
Estate firms in the Central Florida area.  
 Click here to visit and search our company website.   
Remember this is a starting point and
most importantly you are the boss.  
If you have great credit, income and
cash reserves...nobody gets to push
you around.
Even if you are just so-so and debt
ratio is a tad high ... hold your ground.

A local bank may have limited funds
available to loan and because of this a
stricter criteria for qualifying.
A correspondent lender or mortgage
broker may have access to hundreds
of different financial institutions and
loan types available to assist you in

If you know that you are not eligible for
a standard mortgage please call or
email me directly. I keep a list of hard
money lenders that offer private
Gary Ashcraft
Homespire Mortgage
Tom Hamlin
5/3 Bank
Executive Mortgage Banker
New Construction Specialist
NMLS# 268127
cell  352-396-2126
NMLS 1588530

MUST-SEE-HOMES  Free search of homes and land  for sale including both New homes and more experienced homes plus condo,
townhouse, villas Along with mobile home and manufactured homes on their own land The    
search area is Lake, Orange, Marion, Sumter and Volusia counties and more specifically the cities of Astatula, Eustis, Fruitland Park,
Grand Island, Howey in the Hills, Lady Lake, Leesburg, Mount Dora, Mt Plymouth, Ocklawaha, Okahumpka, Sorrento, Summerfield,
Tangerine, Tavares, The Villages, Umatilla, Weirsdale and Wildwood. You are NOT required to sign up to search and find your perfect
place. If you do sign up you will receive automatic updates as soon as a new listing comes up that matches your search criteria. It is a
great way to NOT miss out on the home you want
Agent Charles Rutenberg Realty