Pre-Approval

We know you have a lot of mortgage lenders to choose from. At Pineywoods Mortgage, we set ourselves apart with personalized customer service and a deeper knowledge of the Florida marketplace than the big mortgage companies can hope to offer. To them, you’re just another number in a ledger, but to us, you’re our new neighbor whose home buying dreams we strive to make a reality.

We combine this knowledge and passion for Tampa with competitive mortgage rates and a lightning-quick pre-approval process to help our clients and local real estate agents get in the game and make offers on homes more quickly than the competition. In a competitive, multi-offer climate like Florida, quick pre-approval and closing is a must, and we specialize in both. Our standard closing time frame is between 17 to 22 days.

Our speed doesn’t come without security, either. When you receive pre-approval from Pineywoods Mortgage, that approval lasts for 90 days, giving you plenty of time to survey the market for the home of your dreams. You don’t have to worry about the details changing, either — when you pre-qualify with us, your mortgage is locked in, so you don’t have to worry about it.

We’ll be with you the rest of the way, too. If rates drop during your home buying process, we offer you the ability to take advantage of a lower rate if you so choose. If you want to refinance your mortgage down the line, we can create customized refinancing options for you based on your needs.

If you’re looking for personal service and competitive mortgage rates, Pineywoods Mortgage is the mortgage lender that can deliver that to you at speeds other lenders can only dream of matching. Give us a call today to get pre-approved and on your way to buying a new dream home in Florida.

Narrow the Search

Many first-time home buyers make the mistake of jumping in without measuring the depth of the water. They start looking at homes, only to discover that many that won’t suit them at all. This is not only a waste of your time and your real estate agent’s time, but it can also lead to frustration in the first-time home buying process from the get-go. Instead, Pineywoods Mortgage recommends that you take some time and decide what you want and need in a home. It’s important to make the distinction between wants and needs as well because odds are, unless you are building your own home, you won’t find everything you need and want in a home. Make two lists: one that has what you absolutely need, such as four bedrooms if you have three kids or a backyard for your dogs, and one list for what you want, such as granite countertops and heated flooring, that you can live without. Keep this in mind as you’re searching for a home.

Choose A Broker

A mortgage broker is the person who works with banks and/or other lending institutions to procure you a mortgage loan that best fits your needs. A mortgage broker works with many mortgage lenders in order to get you the best terms for your home loan and the best rates. The mortgage broker works for you. Pineywoods Mortgage helps people achieve their dreams of first-time home ownership. We handle all of the back end, mundane part of buying a home so you can focus on the fun part — moving in and getting settled.

With more than 18 years of experience, we understand that a home loan is a critically important piece of your financial portfolio. Our job isn’t to sell you a mortgage — it’s to give you the information and guidance you need to help you find the right mortgage. We can talk to you about your current credit score and advise you to check it for mistakes or overdue accounts before you seriously begin looking. We can answer questions about how to make sure the mortgage fits within your budget and what to do — or not do — prior to your application.

We’ve been where you are, and we had a thousand questions, too. It’s a privilege to put that hard-earned experience to work for you, and make an often-confusing process a little bit easier. When you’re ready to buy your first home, call Pineywoods Mortgage for your first-time home buyer mortgages. To schedule a consultation, contact us online or by phone today.

Connect With Us

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The Power of Pre-Approval

Competitive Rates At Lightning Speed

Benefits Of Choosing Pineywoods Mortgage As Your Preferred Lender:

Pre-Approval

Steps to Buying A Home

Narrow the Search

Find An Agent

Choose A Broker

Connect With Us