Call Us Today!   

Toll Free (800) 905-5069 
Local (561) 745-3344

Home Financing and Refinancing in South Florida

Which loan is right for me?

Should you opt for a fixed rate mortgage? What should the term be? Do you need a 30 year mortgage or would you be better off with a 15 year mortgage? Whether its looking for home financing or home refinancing, we have you covered. 


Land Home Financial Services, Inc.. knows that shopping for a mortgage can be difficult. That’s why we help you through the process. Below is a simple guide that breaks down the differences between fixed rate mortgages and adjustable rate mortgages, and helps you understand which terms will be most beneficial to you.

If you have any questions about our loan offerings or would like to request a quote, please contact us now


Our Services Include:
Residential Purchase money loans and home refinancing
Primary, 2nd homes and investment homes
Multi-family
Condos, low-rise, mid-rise and high-rise
Debt consolidation loans
Jumbo loans
FHA 203k rehabilitation loans**
Foreign national loans
FHA*, VA* and USDA** home loans
HARP refinances, FHA streamline refinances and VA Irrrl's
Down Payment Assistance Programs: Power Purchase, House to Home Grant, Florida Bond Grant, etc.  
 *LandHome Financial Services. is an FHA approved lending institution , and is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. 
 **All loans subject to underwriting approval.  Certain restrictions apply.  Call for details.


Recommended Fixed & Adjustable Rate Mortgage Programs

Term Spent in Home
 Recommended Program
10 years
 30, 20 or 15 year fixed
 7-10 years
 10/1 adjustable or 30 yr. fixed
 5-7 years
 7/1 adjustable or 7/5 Hybrid
 3-5 years
 5/1 adjustable or 5/5 Hybrid

First Time Homebuyer Program

Pros
 Cons
Lower down payments
Typically to qualify, you may need to attend a homebuyer education class
Lowered standards for qualification
Some property value and income limitations may apply 
May qualify for lower rates
May have to pay a recapture tax for some of the benefits received