Name
 First:  Last: 
Address
 Street 1:  
 Street 2:   City: 
 
 Zipcode:  Select State: AL AK AZ AR CA CO CT DE DC FL GA ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
 (5 digits)


Co-Applicant Information

Name
 First:  Last: 
 
Contact Information
 Daytime Phone:  Evening Phone: 
(Numbers only no dashes)
 
 Email: 
 
Financial Information
Type of Loan You Need? Purchase Refinance Home Equity Loan Amount Requesting 
Property Information
Property Type: Single Family Residence Duplex Mobile Condo Townhome Location  AL AK AZ AR CA CO CT DE DC FL GA ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Is this property a: Primary Residence Secondary Investment Investment Purchase Price: 
Appraised Property Value:  Mortgage Balance: (If Applicable)

Are You Considering Refinancing your Florida Mortgage?

Contact Florida Home Loan for more information.

ADDITIONAL INFORMATION REGARDING YOUR FLORIDA REFINANCE MORTGAGE

Consider these payback estimates* for the most typical home improvement projects:  

Project	Cost	Average Payback
Add a new heating or air conditioning system	$2,000 to $4,500	100% for heating; 75% for air conditioning
Minor kitchen remodeling	$2,000 to $8,500	94% to 102%
Major kitchen remodeling	$9,000 to $25,000	90%
Add bathroom	$5,000 to $12,000	92%
Add a family room	$30,000	86%
Remodel bathroom	$8,500	77%
Add a fireplace	$1,500 to $3,000	75%
Build a deck	$6,000	73%
Remodel home office	$8,000	69%
Replace windows	$6,000	68% to 74%
Build a pool	$10,000 and up	44%
Install or upgrade landscaping	$1,500 to $15,000	30% to 60%
Finish basement	$3,000 to $7,000	15%

*Compiled from several published surveys on a national basis.

Understanding payback value
Payback value depends heavily on the real estate market and prevailing property values and the desirability of certain improvements in certain markets. If the market is slow, expect to see less payback than you would in a fast market. Also, consider the neighborhood: If you remodel your house to twice the size of the other homes on the block, it is unlikely that you will be able to sell at double the price. Issues that can influence payback value include:

• Type of improvement
  Kitchen and bathroom remodeling projects consistently return the most in resale value and almost always help in selling your home.
• Scope of improvement
  Projects can be large or small. Sometimes, the cumulative effect of small projects can pay back more in resale value than that of larger projects. Small projects tend to be cosmetic in nature: fresh paint, new doors, garden windows, and ceiling fans. Large improvements involve adding or upgrading living space.
• Desirability
  A Swimming pool added to a Florida Home can be extremely desirable and have a higher return on your investment and higher sales appeal than the addition of a pool to a typical home in the northern United States where it could be seen as more of an inconvenience and even liability.
• Cost
  The price of home improvements fluctuates depending on economic conditions and region. If remodeling costs are high in your area (or home sale prices low), you may not recoup as much on your investment as you would if costs were in proportionate to sales prices.

Energy Star program Make your home improvement project energy efficient. For every $1. that you save on your fuel bill your home value could increase $20.

Re-modeler Loan

Are you planning a new kitchen, bigger bathroom  ...or family room addition? Our Remodel Loan is designed for the homeowner who is looking to make a major improvement to a primary residence. This unique mortgage calculates the loan amount by using the future value of the planned improvements. You may even choose to make no payments during the construction period!   The Nation Average: Americans refinance every 5 years!    As much as we would like to believe that our original 30 year mortgage is "THE" mortgage to pay off your house, the fact is, as a country, we refinance every 5 years.   At Florida Home Loan we know that the reasons why we refinance our mortgages are diverse as the individuals that make up our great country!  Refinancing your Florida Mortgage is right when it is right for you. Through our lives we find ourselves in different situations and with different needs, and if refinancing your Florida mortgage puts you in a better position...then the time is right, now!   At Florida Home Loan we will help you to analyze your current position to see if, in fact, the time is right for you to refinance your Florida Mortgage now.  We will not hesitate to tell you if a mortgage refinance does not currently make sense for your situation! We offer our service free and without obligation!   If a Florida Mortgage Refinance does make sense now, our Florida Mortgage Experts will give you several options to choose from so that you can decide what is best for you.  We will not dictate what you must do. We prefer to build your trust for the future and your future referrals. Our borrowers are our customers for life!

More information about:

• Florida Loan for Jumbo Mortgage
• Florida Loan for Debt Consolidation
• Florida Loan for Refinance
• Florida Loan for Bad Credit Mortgage
• Get Your Free Credit Report!

• Contact us for more Information on Florida Refinance.
  

• Credit Resources

• Who Are Our Lenders ?
  

  SITE MAP/ABOUT US