Your Allies in Mortgage Lending & Home Ownership
At Loan Allies, we take away the stress of procuring a loan by guiding you through the process, step-by-step. Our mission is to not only help you achieve your mortgage goals but also exceed your expectations while delivering exceptional service; giving you a smooth & worry free experience by completing the loan process quickly and efficiently.
Life circumstances aren’t the same for everyone, so getting a loan shouldn’t take a one-size-fits-all approach. Whether you’re looking to purchase your first home or dream home; refinance to lower your monthly payment, get a lower interest rate or get cash out; renovate your current home; or maybe you’re interested in getting an investment property or a vacation home – we can help you build wealth through real estate.. We have a loan for all your mortgage needs.
Hire a Personal Mortgage Broker
TV commercials make it seem like getting a mortgage online is as easy as clicking a few buttons. But what they don’t show you is that choosing the most beneficial loan product is way more complex than that. And to big online lenders, you’re often reduced to a simple number. A credit score. A case ID. And the agent “assigned” to your case might not even remember your name.
At Loan Allies, we take the time to get to know you, so we can understand exactly what you’re looking for, what’s important to you and what will help you reach your goals. Then, as we work toward your target, you’ll be personally guided and informed through every step of the loan process.
Our loan expertise combined with the large array of loan products we offer allows us to tailor the loan process to your unique situation and needs. Whether you’re looking to close quickly, want to buy with a low down payment, have a low credit score, or need a jumbo loan that exceeds the normal loan limit, we have a solution for you. Don’t see your unique situation mentioned? We’re sure to have a loan product that meets your needs!
You can relax knowing we’re working in YOUR best interest. We will NEVER try to push you into a loan that isn’t beneficial for you.
Loan Allies offers custom loans at competitive rates for a variety of options.
Our lending portfolio includes Conventional – fixed and adjustable-rate loans, FHA, VA, Jumbo, interest-only, foreign national, home improvement loans, and reverse mortgages.
We offer a highly personalized loan experience and first-class service, guaranteed to make your loan experience pleasant, professional, and easy.
How It Works
We will always communicate with you honestly and transparently, and will provide you with accurate information up front. Some brokers and mortgage lenders reduce you to nothing more than a number in a system.
That will never happen with us.
Whether you’re buying a home, refinancing, taking out a reverse mortgage, or investing in a rental property, taking such a large step is a major life accomplishment.
We want to be there for YOU, helping you through the process and celebrating every step of the way. We will see you as an individual, with your own hopes, dreams, and ambitions. We’ll take the time to get to know you, so we can work together toward your goal, person- to-person.
What We Do
What is the role of a mortgage broker? Here’s the basic breakdown:
Find the Ideal Lender
Wholesale lenders are the way to go when looking for the best rates, lowest fees and most ideal loan products. Utilizing our personable and individualized service, along with our industry knowledge and connections to match you to the best suited wholesale lender in ordered to provide you with the ideal loan product terms and fees according to your needs and goals.
Get The Best Rates
We search the market for the loan program with the most ideal terms for you. Between locking in low market rates and securing the cheapest closing fees, we are constantly working on your behalf. As a result, you save more of your hard earned money for doing more of the things you love to do, whether that’s traveling, investing, or decorating your new home!
Walk You Through the Process
We will hold your hand through the entire loan process, carefully explaining each step and what it means for you. You’ll understand exactly what’s happening, so there won’t be any surprises. You’ll feel secure knowing your dreams, whatever they may be, are safe in our hands.
Professional Support
We’ll be there throughout the entire mortgage process, helping you every step of the way. We make your experience simple and easy, while helping you avoid common mistakes. Got any questions after your loan closed? We don’t disappear after the closing, we’ll be there to answer any questions that may come up and assist you with any post closing matters. We also have a wide network of other professionals that we can leverage and turn to when it’s needed.
Outstanding Communication & Follow Up
At loan allies we take the time to educate you and provide you with the opportunity to make your own well informed decisions. We will also stay in touch every step of the way so you’re never left wondering about the status of your application. We will always keep you informed, and will return calls and emails promptly.
Quick and On-Time Closings
Not all lenders close quickly, but Loan Allies will work with you to meet deadlines, allowing you to close as quickly as possible.
Who We Help
First Time Home Buyers
Buying your first home can be overwhelming with so many decisions to make. We will be there with you every step of the way to guide you through the process to make sure you know the pros and cons to each decision you make. All while ensuring a swift approval with the best interest rate.
Move Up and Second Time Home Buyers
Maybe you’re ready to upgrade from your current home, or you’re buying a secondary residence. Either way, we will steer you in the right direction.
Refinancing Home Owners
We are always looking to help you save! Refinancing your home can offer a lower interest rate, better terms, and even cash. Our guidance will help you choose the best path for your unique situation and long term security.
Investment Buyers
Let’s maximize the ROI on your new real estate venture by securing you a low interest rate, low closing fees and low monthly payment! Start your investment off on the right track by letting us assist you. Ask us how you can build wealth in real estate and how to get free housing for kids through college
Cash Out Refinance
Have you ever heard the saying “ there’s money in your home?” Have you found it yet? Tap into your home equity to finance home repairs, upgrades, debt consolidation, or even major investments like college tuition by educating you on various options and helping you chose ideal scenario for you.
Reverse Mortgages for Seniors
If you’re 62 or older, you may want to access your home equity to supplement your income in retirement. We’ll guide you through the loan process, carefully explaining each step so you understand your options.
Why Us?
With years of experience and an understanding of market trends, we have become Florida’s mortgage service of choice; choosing us will provide you with so many advantages. Here are more reasons why our clients choose to work with us:
Aggressive and Competitive Rates
Compared to big banks who only work with one lender, we, as mortgage originators at Loan Allies under South Florida Mortgage work with over a 100 of wholesale lenders allowing us to offer you many more loan products and options to choose from providing you with the ideal loan terms aligning with your needs and goals. Moreover, Big Banks have much larger operating costs than brokerages like the one we operate under. As a result, extra costs when working with big lenders get passed on to the customer in the form of higher interest rates and closing fees. Loan Allies operates at a much lower cost, allowing us to offer the majority of our loans with the least amount of fees and expenses.
Up-To-Date Industry Knowledge and Technological Tools
We keep up with the latest and greatest technology providing our clientele with cutting edge tools to utilize throughout the process, leading to a user friendly, hassle free and easy breezy experience. ( We can break up the knowledge and Technology if you feel like it’s too long or we can add it to “Secure a Tech Friendly Transaction”). We also constantly monitor all ongoing changes to loan-related rules and regulations so we’re always prepared to offer you the most up-to-date products and accurate information.
Additionally, Mortgage loan brokers must meet certain criteria, including passing the National Mortgage Licensing State exam, ongoing education, FBI fingerprint scans, submission of personal credit history, and evaluation of moral and financial character.
Transparency and Full Disclosure
At Loan Allies we pride ourselves on upholding the strictest moral and fiscal codes. We know that great business is built on a foundation of trust. We remain 100% transparent from your first appointment all the way up to your closing date and beyond. We issue all applicants an Anti-Steering Disclosure which certifies that we’ve presented at least 3 loans meeting the following criteria: lowest interest rate, lowest total dollar amount, and lowest interest rate without risky features. Additionally, we promise to never steer our clients toward loans that are not in their best interest. We are also obliged to disclose our earnings on a borrower paid transaction when disclosing closing costs to our clients. We are prohibited from collecting compensation from both the borrower and the lender in the same transaction. Our relationship with our clients is our highest priority, and we believe that maintaining a transparent and open relationship is the best way to achieve trust.
Numerous Product Options
We offer a wide assortment of loan options, including 3% Down Payment Conventional purchase loans, 3.5% Down Payment FHA Purchase Loans, 0% Down Payment VA Purchase Loans, 0% Down Payment USDA Purchase Loans, Jumbo and Super Jumbo with very little down, interest only loans, real estate investor programs, foreign national programs, home improvement loans, and reverse mortgages. Our products range from run of-the-mill, basic loans to complex, manually underwritten products. No matter what you’re looking for, we have a product for you!
Professionalism and Customer Service
We pride ourselves on creating a personalized, concierge-level customer experience for each one of our clients. We will never view you as just a number on a piece of paper. We want to understand not only what kind of product you’re looking for, but how it will help you reach your dreams. We treat our customers like family, with kindness, attentiveness, and thoughtfulness. If you need help along your mortgage journey, we will be there for you, no matter the request.
Fast Performance
In a competitive housing market, speed matters. We understand that once you have your heart set on a home, or you are in need of quick cash for an amazing investment opportunity, you need us to be present, on-point, and working around the clock for you. At Loan Allies, we pride ourselves on our rapid performance, often getting clients from an executed contract to closing in as little as 7-14 days.
Secure and Tech-Friendly Transaction Process
In an era of digital information and online data, we know that security is of the utmost importance to our clients. We maintain bank-level secure procedures to make sure we’re offering the highest protection of our clients’ private financial information.
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