Florida Mortgage Home Loans

Mortgage Home LoansIntegrity Financial Services has 35 years of Florida mortgage and home loan banking experience.  Our loan officers take the time to customize and compare home loan programs to meet our borrower’s needs.

With access to hundreds of Florida loan programs, our borrowers can feel confident Integrity Financial Services is their one stop shop for their mortgage needs.  On the spot approvals, in-house processing and direct lending authority make Integrity Financial Services one of the best Florida mortgage home lenders in the State of Florida. Tampa home loan customers continue to use Integrity Financial Services as their trusted Home loan Florida provider.

How do I Get a Good Interest Rate?

Getting the best rate is a function of several components.  Since the mortgage crisis began in mid 2008, many of the large Tampa home loan investors and investor pools changed the conditions for offering rates as a “risk based pricing model”.

  • The first and most important factor is our borrower’s credit score.  The higher the credit score the better the rate.
  • The next component is the type of purchase or the occupancy.  For example, primary residence, second home, or investment property are different types of purchases.
  • Another component in the model is the type of transaction request, either to purchase or to refinance.  Unlike years ago, rates are much more complicated in their designs.

However, Integrity Financial Services will walk our borrowers through every step of the process and assist them in making the decisions needed to secure the best loan program and rate for their Florida mortgage home loan.