Stronger offers. Fewer surprises at closing.

The financing tools I share with agents I work with across Central Florida. Print them, send them to buyers, or text me with questions any time.

If a buyer's financing is going to be a problem, I'll tell you early and honestly, before it costs you a listing or a closing date.

Become a partner → Text 863-695-2265

Offer-strength checklist

Six things that make a financed offer look like cash.

Listing agents judge the lender as much as the price. These are the details I help buyers get right before an offer goes out.

Underwritten pre-approvalNot a quick pre-qual. The file has been reviewed by underwriting, so the letter carries weight.
Letter matched to the offerI update the pre-approval to the exact offer price, so the buyer's maximum isn't shown to the seller.
Payment checked at that addressTaxes, insurance, HOA and CDD for that specific home, so the buyer isn't surprised later.
Realistic closing dateMost loans close in 21–30 days from an accepted offer. I'll confirm the date before you write it in.
Appraisal and repair planFor FHA and VA, I flag likely appraisal items early, so they don't derail the timeline.
Lender call to the listing agentI'll call the listing agent directly to confirm the buyer is ready. Just ask.

Loan program cheat sheet

The quick version, for your buyers.

General guidelines only. Every buyer's approval depends on their full file and underwriting.

Program	Min. down	Credit (typical)	Good fit for	Watch for
Conventional	3%	620+	Solid credit, 5–20% down	PMI under 20% down, removable later
FHA	3.5%	580+	First-time buyers, building credit	Condo approval, appraisal property standards
VA	$0	Lender guidelines	Eligible veterans and service members	Funding fee, condo approval, COE needed
USDA	$0	Lender guidelines	Eligible rural and suburban areas	Income limits, address eligibility
Jumbo	Varies	Higher	Loans above $832,750 (2026)	Reserves, stricter documentation

This is not a commitment to lend. All loans subject to credit approval and underwriting guidelines. Rates and terms are subject to change without notice. Programs may not be available in all states.

Industry brief

The new appraisal report, in plain English.

Fannie Mae and Freddie Mac are rolling out a redesigned appraisal report (the UAD 3.6 update). It collects more property detail, and some of that detail comes from the listing.

Accurate listing details matter more. Square footage, room counts, updates and condition in the MLS listing are more likely to be compared against the appraisal.
Condition and updates are reported in more detail. Documenting recent renovations, with dates and permits where possible, helps the appraiser.
Timelines may shift during the rollout. As appraisers adapt, build a little cushion into appraisal contingency dates.
Ask me for the current status. Implementation dates and requirements can change. I'll tell you what applies to your buyer's loan.

What you can expect from me

Communication you don't have to chase.

Referring a buyer shouldn't mean you start chasing a lender. This is how I handle every file.

Every milestone

You get an update at application, appraisal, underwriting approval and clear to close, without asking.

Bad news first

If something changes, you'll hear it from me before your buyer tells you.

One advisor

You work with me from pre-approval to closing, backed by Homespire's in-house underwriting.

First-time buyer playbook Send to buyers Mortgage roadmap Send to buyers Loan Estimate second opinion For shoppers Affordability calculator Tool Central Florida area guides 10 cities

Have a buyer ready?
Let's talk today.

Send me the buyer's name and number and I'll reach out within one business day, or call me and we'll set up a quick intro.

Become a partner → Call 863-695-2265