Ameritrust Mortgage Associates

IF MORTGAGE LOANS HAD DATING PROFILES… WHICH ONE WOULD YOU SWIPE RIGHT ON? ➡️

Finding the perfect mortgage is a lot like dating. It's all about finding the right match!

Conventional Loan: Looking for a solid relationship? Great for borrowers with good credit, with flexible down payment options.

FHA Loan: A little more forgiving about your past! Offers flexible credit requirements and low down payment options.

VA Loan: Exclusively for eligible military members, veterans, and qualifying spouses. Zero down payment options and no monthly mortgage insurance!

USDA Loan: Loves a quieter lifestyle! Eligible properties in designated areas may qualify for 100% financing, subject to income limits.

The perfect match? It's not necessarily the loan with the lowest rate. It's the one that fits your financial picture, homeownership goals, and long-term plans.

With over 30 years of mortgage experience, I know that one loan definitely does NOT fit all! That's where I come in. As a Florida Mortgage Broker, I have access to a variety of loan programs to help find the financing solution that makes sense for YOU.

Ready to swipe right on homeownership? Let's find your mortgage match!

Melinda Tallman, Your Florida Mortgage Broker

Ameritrust Mortgage Associates Melinda Tallman Smart Homebuying Florida

Marry the home, not the rate!

Interest rates may get all the attention, but when you’re buying a home, the monthly payment is what really matters.

That’s where a temporary rate buydown can make a big difference. It can lower your effective interest rate and your monthly payment during the first 1–3 years of homeownership, giving you some breathing room while you settle into your new home. And here’s the part many buyers don’t realize: a seller may be able to pay for the buydown as part of the negotiation.

So before you decide today’s rates mean you should put your home search on hold, let’s look at the numbers. There may be more options available than you think.

The right home + the right financing strategy can change the conversation.

Message me and I’ll show you how a temporary buydown could look based on your purchase price and financing.

Melinda Tallman your go-to Florida Mortgage Loan Originator

Melinda Tallman Smart Homebuying Florida Ameritrust Mortgage Associates

🏡 HIGH INTEREST RATES HOLDING YOU BACK? THIS COULD HELP.

What if you could buy a beautiful home in Coral Heights and have the seller contribute $11,000 toward lowering your mortgage payments for the first two years?

📍 4781 NE 16th Avenue, Oakland Park
💰 Offered at $829,900

With the available 2-1 Buydown, qualified buyers could have an estimated temporary payment rate of 5.25% the first year and 6.25% the second year, before returning to the full note rate.* That could mean significant savings during those first two years.

And you're not compromising on the house.

✨ 3 Bedrooms
✨ 2 Fully Renovated Bathrooms
✨ Primary suite fully Remodeled
✨ 2,450 SF
✨ 1-Car Garage
✨ Hurricane Impact Windows & Doors
✨ Beautifully Updated Chef’s Kitchen
✨ 7,707 SF Lot
✨ Incredible Old Florida Charm, fully updated to Modern standards
✨ Move-in Ready

One of the best values in Coral Heights just became even more attractive.

📲 Contact me for details or to schedule a private showing.

*Rates and payments shown are examples based on borrower qualifications, lender guidelines and current market conditions. See flyer for full details.

Fall is Here… and So Are New Home Possibilities!

Happy First Day of Fall! 🍁

New season, new beginnings, and maybe even a new place to call HOME!

Buying a home takes a team, but knowing WHO to call for WHAT can make all the difference.

Whether you're just starting your home search or already under contract, I've put together this handy guide to help you navigate the homebuying process with confidence.

📌 Save it, share it, and keep it handy!

And if homeownership is on your fall wish list, I'm always just a phone call away!

Melinda Tallman | Your Go-To Florida Mortgage Broker 💙

Getting pre-approved can make a condo search feel straightforward. Then the building itself enters the conversation!!

With a condo, we aren't only qualifying the buyer, we also need to evaluate the condominium project.

SOME OF THE AREAS THAT CAN AFFECT FINANCING INCLUDE:
Insurance
- The association's master insurance coverage may need to meet the requirements of the loan program. If coverage is insufficient, the association may be able to work with its insurance agent to update coverage or provide additional documentation.

HOA finances & assessments
- The project's financial condition, delinquent HOA dues, reserves, and special assessments can matter. A special assessment isn't necessarily an automatic deal-breaker, we need to understand why it exists, how it's being funded, and what work it relates to.

Litigation
- Pending litigation involving the association can require additional review. The important questions are what the lawsuit involves, the potential financial exposure to the association, and whether insurance is expected to cover it.

Building condition
- Critical repairs, significant deferred maintenance, structural concerns, or certain evacuation orders can affect eligibility. Sometimes the answer is obtaining documentation showing repairs have been completed or that the issue doesn't rise to the level that makes the project ineligible.

Loan-program eligibility
- A condo that works for one financing program may not necessarily work for another. That's why checking the project early can save a buyer a lot of frustration.

HOW CAN YOU CHECK A CONDO BEFORE FALLING IN LOVE WITH IT? BEFORE YOU FALL IN LOVE WITH THE CONDO, SEND ME THE ADDRESS.

If you're considering a condo, send me the property address and condo/project name. I can help determine what type of project review may be needed and identify potential financing concerns early. See if the Condo is FHA approved or Fannie Mae Approved.

Send this to someone shopping for a condo.

Melinda Tallman Smart Homebuying Florida