Find A Loan v2 2018-01-25T13:07:38+00:00

Buying a Home?

We have helped countless individuals and families achieve their dream of homeownership. If you are a first-time home buyer, our team will help guide you through the loan process painlessly. Our variety of mortgage options will allow you to buy your first home with very little down. Speak with one of our experts today!

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Generally know what you’re looking for? Waste no more time. See if you pre-qualify with Equity Prime Mortgage Orlando. One of our awesome Loan Officers will get back to you shortly and get you on your way.

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Refinance

Mortgage refinancing can help you lower your monthly payments, and over the long run, add up to significant savings. Knowing your options is important so that you get the maximum benefit possible. Our site offers information on a variety of mortgage refinancing rates & options.

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Loan Products

Conventional Loans

Equity Prime Mortgage Orlando is a Fannie Mae direct seller and servicer of Conventional Loans. Fixed and adjustable rate mortgages are available under Conventional Loans for the following purposes:

Purchase Loans up to 95% Loan to value

Rate & Term refinance loans up to 90% Loan to value

Cash out loan up to 80% Loan to value

Investment properties up to 75% loan to value

FHA Loans

FHA Loans are designed for low to moderate income borrowers with flexible underwriting requirements.

Equity Prime Mortgage is a FHA Full Eagle Lender. This allows us to underwrite government loans in-house.

VA Loans

Made with veterans and active duty military in mind, VA Loans offer great savings to borrowers who qualify.

Equity Prime Mortgage Orlando is a direct lender of VA Loans that offer advantages like purchasing with no down payment and no private mortgage insurance (PMI).

USDA Rural Home Loans

Fit for first-time home buyers with low to moderate income looking to purchase a home in rural areas. A USDA Loan can be 100% financed based on Appraised Value vs. Sales Price and closing costs can be rolled into the loan.

Jumbo Loans

Looking to purchase a home with a high ticket price? We offer Jumbo Loans of up to $5,000,000 with competitive rates and others like:

FHA Jumbo Loans in High Cost areas with a down payment of just 3.5%

Super conforming loans– above GSE limit in designated areas

Home Equity

With Home Equity Mortgages we offer stand alone 2nd mortgages for home improvements or in connection with a first mortgage to purchase a home.

Reverse Mortgages

If you are 62 years or older looking for a home equity loan, this may be the solution for you.

A Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), gives the borrower the opportunity to become more financial secure through retirement. Funds can be received in a lump sum, set monthly amount, or a combination of both.

Energy Efficient Mortgages

Going green with your home is now made easier with an Energy Efficient Mortgage, allowing you to finance improvements to your home’s energy efficiency.  The Energy Efficient Mortgage gives you the ability to stretch your total debt ratio to include these costs effective, energy savings measures. 

Whether buying a new construction, existing home or refinancing your current residence, you can save money from your out of pocket expenses.  The best part is the programs are federally recognized and can be attached to most mortgages.

Down Payment Assistance

Need help with your down payment? Ask one of our loan officers about some of the programs that we offer:

Fannie Mae HomePath – 3% down payment with no appraisal and no mortgage insurance

Protectors, Educators, & Nurses this is a program administered through Georgia Dream that provides up to $7500 in down payment assistance

Gwinnett County Homestretch provides up to $7500 in down payment assistance

Neighborhood Stabilization Program (NSP) is County and State specific

“Thank you Mike Manieri for all your hard work!! Closed on the house of my dreams with an amazing deal in under a month! Mike with Equity Prime Mortgage is the best! He got me in a great home with only 3.5% down, 4.25% interest & seller paid closing cost! Woohoo pour the champagne!”

Samantha Ellis

“Mike,
I am writing to tell you of the fantastic customer service I received from Kelly during my recent refinance with your organization.
I feel that Kelly really looked after my case from beginning to end. She found a way to allow me to be eligible for a refinance when everyone else in the industry told me NO.
Kelly was ready, willing and able to respond to anything that held back the processing of my account. I could email, text or call at anytime of the day or evening and she would respond within minutes. Every time!
Without Kelly, it never would have completed.
I hope you can take a moment and recognize Kelly for her efforts on my behalf.”

Dave Polulak

“Good day,
I really want to thank you all for making my dreams come true. I appreciate the patience you guys had in coming to my aid. Please pass a hearty thanks to your team members who assisted in this process. Again, I am thankful to all but especially to you guys. Also thank the sellers for being patient with me as well.”

Ken Franklin

For more Licensing Information click here.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT (877) 276-5550

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.