Dear Homeowner,

      My name is Frank R. Martinez and I want to thank you for taking the time to visit our website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current Miami, Miami Beach home. I am an experienced Mortgage Consultant, serving all of Miami, Miami Beach, and the surrounding communities and I'm here to help you.

FREE Home Buying Guide Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know...

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

Although sharing these secrets may not make me popular with the other Florida mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.

First Name: * E-mail: * Cell Phone #:

By supplying me with your email address, you are granting your permission for me to communicate with you personally via Email, Phone or SMS Text. We will not rent or sell your information. Message and data rates may apply. Every email sent will have a link to automatically opt you out of the mailings.

Miami, Miami Beach Home Loans

      If you're planning to buy your next Home, your First Home, that Dream Home, a Condo, Vacation Home, Investment Property and looking for a personal Home Loan, you will find that this site is a complete resource full of insider secrets that will allow you to choose the Miami, Miami Beach mortgage program best suited to your financial needs.

Our proven track record gives you the advantage

      I will make the entire process fast and easy for you and your family... including first-time homebuyers, small business owners, and homebuyers with good or less than-perfect credit to get the Mortgage you need fast for the home you want now!

Miami, Miami Beach Real Estate

      Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me at 305-533-5500. I am here to help you with all your Miami, Miami Beach Home Loan needs.

Got a Quick Real Estate or Mortgage Question?

Click the "Ask A Question" button below to send us a message by email or feel free to call my office at 305-533-5500.

Credit Score 101 - Quick Tips

      Below, I have included an example of one of our FREE reports that can help you understand credit scores:

      To have the best chance of improving your credit score you will need to have a good understanding of how it is calculated as that will help you to decide on the actions you need to take.

     But, don't worry... as a your personal Mortgage Consultant I know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties.

      A credit score is a numerical calculation based on a number of factors. The numbers generally range from 300 to 850 and allow lenders to see how well you are at paying off your debts.

      The higher this number is the more likely you are to get credit for your Mortgage Loan and you will also usually get it at lower interest rates because of the fact that you will be regarded as a lower risk for repayment. If your score falls below 600 you will probably have trouble getting credit for real estate purchase, and if you do you will be expected to pay higher mortgage rates due to the risk involved.

      Scores over 720 are regarded as excellent and you can expect to get good loan rates.

      This is just a guideline as some of our investors place more importance on credit scores than others and while you might have difficulty getting credit with one, that is not to say you will have difficulty with all of them.

      You and I will discuss your situation and even when you have a low score you can still get the finance you need at reasonable rates. We will look at your whole credit history and take that into account rather than just the current poor score.

      Your credit score comes from the calculations that are determined by the credit bureaus and are based on informatin that is arrived the people who have lent you money and from people you owe payment of bills to. And, know that you have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

      If you already know that have some credit issues, be prepared to discuss them honestly with me and come to your application meeting with the necessary support documentation, and any written explanations.

     For a free no-obligation consultation regarding your credit or any other Mortgage or Real estate questions you have, please don't hesitate to call me at 305-533-5500.

We service clients statewide, including every city and town in Florida. 
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