Below you will find Lenders that are familiar with a variety of scenarios.  John and Megan know how to get their fingers on grant
and bond money to help first time home buyers. Tom has an awesome No Money Down program for Doctors and New
Construction experience. Gary never forgets that he works for you and David .... I've seen him pull a miracle or two.
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 qualifying.

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 financing.
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
David Fredrick
Self Pro-Claimed
Mortgage Financing Guru Extraordinaire
Cell: 941-735-5272
This website belongs to Deborah Elliott, agent with Charles Rutenberg Realty one of the largest and highest
producing Real Estate firms in all of
Central Florida.  If you are looking to Sell - Call me 352-408-3868
If you have a complaint about something on this website - Call me. This is my domain and no one else has any

John Van Fleet
Academy Mortgage
(352) 426-6202
NMLS # 1842196
Megan Ennis, CEO
NMLS # 326418