Valentin “Val” Rodriguez was born in 1956 to a Cuban legal immigrant father who played pro baseball and a Tennessean mother, so he’s a special blend. He was born and raised in Ocoee, Florida and went to Ocoee High School, where he was junior and senior class president
Val is the most magnanimous, outgoing, fun, gregarious personality you’ll ever meet. People love him. He brings 48 years of experience in large-team management, motivational mentoring, leadership and team-building to MiMutual. But, it’s really Val’s lifelong practice of integrating every part of his life into the whole – i.e., integrity. It is his entire life that impacts those in his world whether family or friend, colleague or competitor. Leadership by example
Val worked retail and several jobs to support his family. In 1977, he began working at the Marriott Corporation’s management program. He was there until 1980, at which point he began working in grocery store management at Goodings. In 1992, Val went into youth ministry and private school coaching in Raleigh, North Carolina, where his team won a state championship in basketball.
After a brief return to Goodings, Val came to work with Noel Cookman in 1996. He then continued working in the grocery business in 2000 at Harris Teeter and Lowes Foods until 2021. During his time in the grocery business, Val specialized in turning under-preforming stores around. He won “Store Director of the Year” for 75-Store Chain in 2010, helped develop a new company makeover, participated in Special Projects, trained new managers, and opened several new stores—most of which had between 100-150 employees. Val returned to work with Noel Cookman at The Mortgage Institute in early 2022. A happy reunion
Val is passionate about sports. His mother said that growing up, he “had a ball for a brain.” He is a huge fan of the Miami Hurricanes, Baltimore/Indy Colts, and the Boston Red Sox. He also loves golf. At Ocoee High School, Val played football and baseball. He was starting third baseman on the 1973 state baseball champions in Florida; was all-conference in baseball for junior/senior seasons; his baseball team was playing for championships 1972, 1973, and 1974, and he was recruited to play both baseball and football in college.
Besides loving sports, Val puts God and his family first. God has always been Val’s North Star, as He has performed many miracles in Val’s life, putting him in places and allowing him to meet people that others only dream about. Since 1974, Val has been married to his wife Sherry, with whom he shares three children: Van (Kristy), Shawnie (Tony), and Shannon (Adam). They also have ten grandchildren and one great-grandson, born November 10, 2022.
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
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