Jb Mortgage & Financial Services

read moreJustin Miller is a professional Mortgage Banker/Branch Manager who sets the bar in his industry for knowledge and service. He has been featured in Florida Trend magazine, The Wall Street Journal, and has been used as a source of expert information in the Miami Herald. From rates to closing costs, Mr. Miller always acts in the best interests of his clients, and delivers what he promises 100% of the time. He consults with each client to find the perfect loan to fit their family's current and future needs.

read moreIf you are a first time home buyer purchasing a home in South Florida or anywhere in the State of Florida you need to be speaking to us because we offer real first time home buyer products. Not just your regular FHA loans. The best program we have is the Mortgage Credit Certificate. A great way to view this product is if you were getting a loan for $250,000 and rates were at say 4.5% for example, getting the $2,000 tax credit is equivalent to having a rate of 3.375%. If you are looking for down payment assistance for the purchase of your new home in Fort Lauderdale, South Florida, or anywhere in the State of Florida then we are your experts for that.

read moreDo you need to upgrade your home but you have little to no equity to borrower against? If so, you might be eligible for an FHA 203(k) Renovation loan. Many people do not know that there are other options to making upgrades to your home even when you do not have a lot of equity. You can do this with the FHA 203(k) rehab loan as a refinance. You can finance up to 97.75% of the value of your home and then add the proposed home improvements. Luxury additions such as outdoor kitchens and high-end spas are not eligible, but many upgrades are.

read moreIn times of uncertainty and distress you don't need more things to worry about, you need options. Many think that because the Federal Reserve raised the Federal Funds rate by.25% yesterday that it means interest rates went up by.25%. That is not the case! Mortgage rates actually went down almost.25%.

read moreThe Wall Street Journal had a great article about "Whats Ahead for Jumbo-Loans Borrowers in 2016." It goes on to talk about with a down stock market you could see rates get even lower and as I say time and time again, every 1% increase in an interest rate reduces your buying power 11%. A new millennium, a new wave of home buyers is on the horizon. The average age of millennials, as of 2015, was about age 25. This means that at around age 25, for the most part, schooling should be out of the way, a foundation has been started, and the millennials are looking for somewhere to start their roots.

read moreIf you are looking for a Jumbo Loan (loans over $417,000) in Fort Lauderdale and South Florida you need to contact us today! Not only do we have one of the most competitive Jumbo rates, we have multiple investors too. Why is this important? It's not if an issue will arise during your loan but when and you need the flexibility of a Mortgage Bank like us to have multiple options for your loan. For example, if you go to Wells Fargo and lock your loan in today at 4.5% but the property under appraises, something shows up on the appraisal that they don't like, they are conservative with your income calculation, etc. and rates have risen you will have to start all over and lock in a higher rate.