David Gosselin Mortgage Loan Officer - NMLS 78347

David Gosselin Mortgage Loan Officer - NMLS 78347 updated their phone number.

Want to buy your first home and don't know where to start?
My Smart Loan Officer will help you look for your financial best interest when purchasing your new home. It doesn't matter if you have good or bad credit. David Gosselin will guide you and make your dreams come true!

For more information visit our website: https://buff.ly/37eSOXs
Or call our office anytime: 954-306-8691

The most common method of repayment is by selling the home, where proceeds from the sale are then used to repay the reverse mortgage loan in full.
For more information call: 954-477-8008 or email: [email protected] our team! They will be always looking for your best interest.

FHA loans come with many benefits, including easy credit requirements, small down payments, and flexibility in the type of property you can buy. They can be a good option for first-time homebuyers and consumers with credit and cash-flow issues.

However, our team will assist you and let you know more details if an FHA LOAN will be the right action for you to take.

Call our office: 954-306-8691
Or send us an email: [email protected].

“I cannot say enough great things about David. Buying a home can be stressful, but David knows what he is doing, is quick to respond, and puts your mind at ease.”

Visit our website to see more great reviews about what customers say about David Gosselin! https://buff.ly/37eSOXs

To learn whether a reverse mortgage is right for you, find a reverse mortgage Loan Officer that can guide you in every step of the way!
David Gosselin has more than 23 years of experience, and he will always be looking out for your best interest.
Call: 954-306-8691
Or email: [email protected]

My Smart Loan Officer is available 7 days a week. Contact us anytime with your questions. Our team will work with your realtor from scratch. Whatever you need, My Smart Loan Officer will be there for you.

954-306-8691
150 S Pine Island Road, Suite 416
Plantation, FL 33324
[email protected]

Visit our website for more information: https://buff.ly/32OhkOw

My Smart Loan Officer will help you open doors to your future!
Contact us for more information.
Visit our website: https://buff.ly/3bTU1ah or Call: 954-306-8691

For 23 years, My Smart Loan Officer has been providing fast, quality service and individual attention to mortgage loan customers and serving surrounding areas. With services like Refinancing, FHA Loans, ITIN Mortgage Program, Investment Loan, Condo-tel Loans, and Reverse Mortgage loans, My Smart Loan Officer can help you meet your unique needs.
Please don't hesitate to contact us for more information: https://buff.ly/3bTU1ah

A forbearance might help you depend on your financial situation, however, it's important to recognize that forbearance is not debt forgiveness.
We also suggest refinancing depending on your current mortgage rate and how much the closing costs associated with the new loan are, even a small reduction in your rate could yield significant savings over the life of the loan.
If you would like more details please contact us we are always looking out for your best interest.
CALL: 954-306-8691
Or visit our website! https://buff.ly/3bTU1ah

The American dream is nor merely to own a home but to enjoy complete financial success. That's why your mortgage needs to be part of a holistic financial plan! My smart Loan Officer is always looking for your best interest.
Visit our website for more information: https://buff.ly/3bTU1ah

Contact our team for more information!
We are here always looking for your best interest!
https://buff.ly/3bTU1ah

FHA LOANS are more strict now due to COVID-19.
As more and more Americans lose their jobs or see reduced wages because of the virus, the risk of foreclosure goes up. However, we are here to help you get approved for an FHA LOAN no matter the circumstances.
Get in contact with us for more information: https://buff.ly/3bTU1ah

Interest facts about Reverse Mortgage that you would like to know:
1)The reverse mortgage is a type of loan for homeowners who are 62 and older.
2)You and Your Family Have Options.
3)People Take Out a Reverse Mortgage for Immediate or Future Goals.
4)There Are Different Types of Reverse Mortgages.
5)You Still Own Your Home.
6)There are Five Payout Options.
7)Reverse Mortgage Proceed Values Are Different for Everyone.
8)The money from a reverse mortgage can be used for anything.

What are the benefits of applying for a Reverse Mortgage?
1) The borrower does not need to make monthly payments toward their loan balance.
2)Proceeds can be used for living expenses, debt repayment, healthcare expenses, and many more.
3) Funds can help borrowers enjoy their retirement.
4) Non-borrowing spouses not listed on the mortgage can remain in the home after the borrower pass away.
5) Borrowers facing foreclosure can use a reverse mortgage to pay off the existing mortgage, potentially stopping the foreclosure.

To know more about Reverse Mortgage don't hesitate to contact us for more information.
Visit our website: https://buff.ly/3bTU1ah or Call: 954-306-8691

It’s important to understand that closing costs for reverse mortgages tend to be significant.
Although there are not any out of pocket expenses: the fees charged are also dependent on the type of loan, variable, and fixed interest rates.

To know more about Reverse Mortgage don't hesitate to contact us for more information.
Visit our website: https://buff.ly/3bTU1ah or Call: 954-306-8691

Now that you know how a Reverse Mortgage works, you’ll want to consider which type will best suit your needs.

1) Proprietary reverse mortgages. These are private loans not backed by any government entity. Typically you can receive a more substantial loan advance from this type of reverse mortgage, especially those who have higher-valued homes.
2) Single-purpose mortgages. This type of reverse mortgage is usually offered by non-profit organizations and a few state and local government agencies. Borrowers can only use the loan for one specific purpose.
3)Home Equity Conversion Mortgages. The most popular type of reverse mortgage and backed by the U. S. Department of Housing and Urban Development (HUD), these federally insured mortgages usually have higher upfront costs, but the funds can be used for any purpose.

To know more about Reverse Mortgage don't hesitate to contact us for more information.
Visit our website: https://buff.ly/3bTU1ah or Call: 954-306-8691

Some of the requirements to apply for a Reverse Mortgage are the following:

1)The primary homeowner must be age 62 or older to apply.
2) You must own your home outright or have a single primary lien you hope to borrow against.
3)Any existing mortgage you have must be paid off using the proceeds from your reverse mortgage.
4)You must live in the home as your primary residence.
You must remain current on property taxes, homeowner’s insurance and other mandatory obligations, such as homeowners association dues.
5)Your home must be a single-family home, a multi-unit property with up to four units, a manufactured home built after June 1976, a condominium, or a townhouse.

To know more about Reverse Mortgage don't hesitate to contact us for more information.
Visit our website: https://buff.ly/3bTU1ah or Call: 954-306-8691

The reverse mortgage loan can be an excellent option for seniors.
The money received from this type of loan will not affect your social security payments or Medicare benefits, and it can be used to supplement the income, pay medical bills, pay for remodel or pay for travel expenses, for example.

To know more about Reverse Mortgage don't hesitate to contact us for more information.
Visit our website: https://buff.ly/3bTU1ah or Call: 954-306-8691

Qualified homeowners may not be able to borrow the full value of their home — even if it's paid off. The amount you can borrow (also called the principal limit) varies based on the age of the youngest borrower or eligible non-borrowing spouse, prevailing interest rates, the HECM FHA mortgage limit ($726,525 as of February 2020), and your home's value.

Generally, the older you are, the lower the interest rates, and the more your property is worth, the more likely you'll receive a higher principal limit. This amount can increase each month because borrowers with variable-rate HECMs may be able to receive additional funds.

For more information about Reverse Mortgage, don't hesitate to contact us.
Visit our website: https://buff.ly/3bTU1ah or Call: 954-306-8691

A reverse mortgage is a type of loan for senior homeowners that uses a home's equity as collateral. The loan amount is a percentage of the home's value determined by the age of the youngest homeowner. The loan does not have to be repaid until the last surviving homeowner permanently moves out of the property or passes away.

"Nobody gets up in the morning and thinks about a reverse mortgage and whether they should get one. “Instead, they think how they are going to pay for health care, fix the roof, pay the property taxes, or have enough money to outlive their retirement,”. “A reverse mortgage provides solutions to these issues and many others so that people can live more financially secure lives as they age.”

Paying for points saves you money over the life of the loan, at least if you plan on staying in your home for several years.

1)The minimum qualifying credit score is 580 (lowered in 2016 from 620!).
2)Steady work history for the past 2 years.
3)Social security number and lawfully reside in the US.
4)3.5% down payment (and down payment can be a gift from a family member!).
5)The property must be a primary residence.

“David is knowledgeable and straight forward. I’ve used David for a number of home purchases in Florida. He takes a personal interest in his clients and gets things done! Thank you, David!”

If you have a bad credit, you can lower your rate by putting down larger payments upfront.
If this is your concern, we can help you!

FHA loans are government-backed loans. The Federal Housing Administration (FHA) insures these loans.

Mortgage points help you save over the life of the loan. They also lower the interest rate.

These are fees paid directly to the lender at closing in exchange for a reduced interest rate.
Are you interested in buying mortgage points? Contact us!

There isn’t a specific amount, per se, but there is a general percentage that you should be aiming for. For conventional loans and to avoid paying private mortgage insurance (PMI), you’ll want to save at least 20% of the asking price.

“I cannot say enough great things about David. Buying a home can be stressful, but David knows what he is doing, is quick to respond and puts your mind at ease.”