Independent Mortgage of Tampa Bay

The first thing  you need to think about is exactly what is your goal and how do you plan to achieve it?  Do you need help figuring out what direction to go and how to get there?  We are licensed experts in the mortgage industry and this is what we do.  We are here to help you work out all of the financial details so you can own your home, get out of debt, and begin to make better decisions about your future.

Here are just a few things you need to think about:

• How long do you plan to own the home?

• What is your financial outlook for the near-term and long-term?

• Do you have future financial obligations (such as college, retirement, elderly care) that might limit your future ability to meet debt obligations?

• How comfortable are you with a payment amount that changes over time

• What is your liquid asset position? Are you willing to make a larger down payment?

• Are you self-employed?

• Have you had a foreclosure or bankruptcy?

• How is your credit history?

• Do you know how to correct bad credit issues?

• Are you a first-time homebuyer?

• Was your first mortgage closed over 5 years ago?

• Will you have adequate funds available after debt payments for retirement funding and other needs?

We understand that no situation is perfect, but we work with you to get the best mortgage for you, no matter what that situation may be.  Whatever your circumstances, we can provide practical mortgage solutions to help clarify your financial objectives.  You don't have to know all the answers; we can help by asking the right questions and using our expert knowledge of the financial industry to help you make decisions that are right for you.