260 1st Ave St, Ste 211, St Petersburg, FL 33701
Cell: (727) 492-3072
Office: (800) 628-7596
Jeff has been in the mortgage lending business since 2006. He has survived the ups and down of the industry by being 100% focused on the needs of his clients and business partners. He has made a name for himself as the guy who gets things done. He truly believes that financing your home does not need to be difficult or stressful and the reviews from his “raving fan” clients attest to this. With stellar service that starts at initial consult and continues years past closing, Jeff wants to be your “lender for life”.
Financing your home does not need to be difficult or stressful!
While others couldn’t do the job Jeffrey handled it with no problems, I am in my new home .
Jeff was exactly what I needed to manage the chaos of buying a new house. He knew all the steps and the timing, kept me on target, Had a great loan product, and a great team and other providers to work with. Jeff was available via phone, text and email which is helpful in this busy world. He made me feel like he was on my team and he would make sure nothing prevented me from getting the house I wanted. Thank you Jeff and team!
Saint Petersburg, FL
Jeff and his team make it a breeze for buyers obtaining a loan. Before home, I had never worked with a loan team that always closed on time and that got the CD out weeks in advance. They make my clients’ lives and my life easier, as their agent.
We had some very difficult situations to overcome and Jeff solved them all. Very important to we, he always returns phone calls and emails in a timely manner. And we closed a day before schedule. Thanks, Jeff!
My wife and I have been trying to purchase a home. We were told on many occasions we could not purchase. Jeff was patient and made what others said could not happen, happen. Thanks Jeff!!!!
Land O Lakes, FL
Honestly, we wouldn’t have crossed the finish line without Jeff and Kristen. We were busy and stressed. If not for their clear, constant, and patient direction we would have fumbled this thing.
I have heard that home buying is challenging but Jeff made the process simple and easy!
Jeff is professional, effective, and efficient, while adopting a personable and trustworthy approach throughout the entire process. Jeff updated me about every upcoming step, any changes, and was happy to explain concepts I did not understand (multiple times). He was very patient and kind.
Jeff is just an awesome person to work with all around. Jeff and his team made both my initial mortgage and my subsequent refi easy and painless. Thank you, Jeff!
North Lauderdale, FL
Mortgage Programs Explained
There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.
A Conventional loan is a mortgage not guaranteed by the government. However, most conventional loans will follow the guidelines established by Fannie Mae (FNMA) and Freddie Mac (FHLMC). This type of loan is good for borrowers with a favorable credit score and allows more flexibility in loan terms and higher loan limits.
Unlike FHA, VA or RD loans, conventional loans do not require private mortgage insurance (PMI) unless the borrower has less than 20% down. 20% down however, is not a requirement and some conventional loans allow as little as 3% down! Once the loan reaches 20% equity, PMI can be canceled.
In addition to standard conventional loan programs, MiMutual Mortgage also offers the following niche conventional loan programs:
- Fannie Mae HomeReady
- Freddie Mac Home Possible
- Freddie Mac HomeOne
- Freddie Mac Refi Possible
Government loans are backed by the federal government. The loan is funded or originated by the mortgage company, but has a guarantee from either the Federal Housing Administration (FHA), USDA Rural Development (RD), or US Dept of Veterans Affairs (VA).
Government loans open the door for borrowers that have little to no money saved for a down payment, a challenging credit history or have lower credit scores. Government loans offer easier qualifying requirements and are widely used in the industry.
Government-insured loans can be used for purchase, renovation (through the FHA 203(k) loan), or refinance transactions.
Government loan programs include:
- Federal Housing Administration (FHA)
- USDA Rural Development (RD)
- Veterans Affairs (VA)
The Federal Housing Finance Agency (FHFA) sets a limit on the dollar amount a conventional loan must conform to. Any loans beyond this limit are known as a Jumbo loan. With a Jumbo Loan from MiMutual, you can expand your options and find your dream home that will meet your needs now and in the future.
MiMutual Mortgage offers a number of Jumbo Mortgage Programs to fit a variety of situations. These include Purchase loans, Asset-Qualifier, Rate and Term and Cash-Out Refinance loans.
- As little as 10% down
- Loan amounts up to $4 Million
- Primary residence, second homes, and investment properties are eligible
Don’t have much saved for a down payment?
We can help with that!
Down Payment Assistance (DPA) can:
- Reduce out of packet cash to close
- Put cash savings to work by improving the home and growing equity
- Free up cash to pay down student loan debt or other bills
- Save cash to start investing for the future
MiMutual Mortgage offers a number of down payment assistance programs including:
- Chenoa Fund DPA for FHA financing
- The National DPA for Conventional financing
- State Housing Finance Authority DPA and MCC
MiMutual Mortgage is a Renovation Loan specialist. We were even featured on the Lifetime Network “Designing Spaces” home design television show! With a Renovation loan, you can bundle the cost of purchasing or refinancing with the cost of renovation into one single loan!
MiMutual Mortgage offers the FHA 203k and Conventional HomeStyle renovation loans. These allow for the same qualifying factors as a traditional FHA or Conventional loan with the ability to lend up to the estimated after-improved value of the home!
Eligible renovations include:
- Small repairs with a minimum renovation cost of $5,000
- Kitchen remodels including appliances
- New roof
- New flooring
- Installation of an in-ground pool
Still not finding what you are looking for?
MiMutual Mortgage has a number of unique loan programs including:
- Qualifying on assets without income
- Real Estate Investor programs including DSCR
- Self-Employed financing options
- Bank statement qualifying
MiMutual Mortgage President's Club
2020 and 2021
You are about to begin the mortgage loan application
- Applying on the MiMutual Mortgage Online Loan Application is quick, easy, and secure! The loan application will take about 25 minutes to complete.
- Once your application is submitted, you can log back into the MiMutual Mortgage Online Loan Application to securely upload requested documents, view your loan status, and communicate with your mortgage team.
- If you have questions, reach out to your MiMutual Mortgage Loan Officer.
Your guided mortgage journey starts here!Start Application