Providing Innovative Realty Solutions
Mortgage Information

Security National Mortgage Corporation

Sandi Abolini - 407.924.5011

Kari Freeman - 407-493-2125

Visit our Website: www.cflmortgageteam.com

  

Carolyn Wolfe

Mortgage Loan Originator

Lic#LO336 NMLS#268538

Brevard branch:

6450 N Wickham Rd Suite 105

Melbourne, FL 32940

www.FloridaMortgageSpecialist.com

(321)795-9103 Cell

(321)255-6874 Office

(888)299-2637 Fax

Carolyn@CMPFL.com

 

Credit Issues

Less Than Perfect Credit? We Can Help!

We don't expect all of our customers to have perfect credit ratings. Our teams of mortgage and finance professionals will make certain that our customers have the best loan suited to their individual needs. All lenders offers several programs and loan choices designed to meet all of our customer's distinctive needs.

Your real estate professional can help borrowers prevail over frequent barriers to credit approval, such as hard to prove income, too much existing debt, less than perfect credit, bankruptcy or foreclosure.

Take a step in the right direction and team up with Freedom Mortgage to help solve your credit problems. All credit types will be considered. We can help you:

  • Improve your credit grade
  • Payoff delinquent payments and existing debt
  • Consolidate your credit cards, car loans and other debt
 
Know your options when you canít pay your mortgage!

Don't give up your home without considering your options. A foreclosure will hurt your credit rating and make it difficult or impossible, to buy another home in the near future. If the proceeds from selling your home do not cover the unpaid portion of your loan, your lender may claim for the remaining balance.  Here are some of the options you have to save your home.

Repayment Plan

A Repayment Plan will take the delinquent amount and allow you to add a small amount to each Mortgage payment until the delinquency is caught up. This addition must bring the account current within 12 months. This must be made through your lender directly.  You donít have to pay anyone to do this for you.  Just call your lender and tell them your situation.  They will review your account and finances and may make suggestions for repayment of the past due amount.  The may even do what is called a Short Refinance or loan modification.  You wonít know unless you ask.

Short Sale

A sale of a house in which the proceeds fall short of what you still owe on the mortgage. Many lenders will agree to accept the proceeds of a short sale and forgive the rest of what is owed on the mortgage when the owner cannot make the mortgage payments. By accepting a short sale, the lender can avoid a lengthy and costly foreclosure, and the owner is able to pay off the loan for less than what he owes.  We can help you with this process, call now! 

Deed in Lieu

A means of escaping an overly burdensome mortgage. If a homeowner can't make the mortgage payments and can't find a buyer for the house, many lenders will accept ownership of the property in place of the money owed on the mortgage. Even if the lender won't agree to accept the property, we are able to assist in preparing an alternative option to the lender.

Every situation is different.  Talk to the experts!  

 
Some of the certifications and designations our Realtors have earned.
Florida Military Specialist