What are the opening hours?

Monday 8am - 7pm Tuesday 8am - 7pm Wednesday 8am - 7pm Thursday 8am - 7pm Friday 8am - 7pm

Justin Lehasky, Loan Officer at Mortgage Approval Group

Nearby finance companies

Mortgage Approval Group, LLC
Busch Lake Boulevard

Scott Kepler at Mortgage Approval Group, LLC
Busch Boulevard

* Adjustable-Rate Mortgage (ARM)  A mortgage with an interest rate that changes during the life of the loan according to movements in an index rate.

With years experience in offering home loan options, we strive to make each and every mortgage transaction as simple and effortless as possible for our clients. Sometimes called AMLs (adjustable mortgage loans) or VRMs (variable-rate mortgages).
* Annual Percentage Rate (APR)  The cost of credit, expressed as a yearly rate including interest, mortgage insurance, and loan origination fees. This all

ows the buyer to compare loans, however APR should not be confused with the actual note rate.
* Appraisal  A written analysis prepared by a qualified appraiser and estimating the value of a property.
* Appraised Value  An opinion of a property's fair market value, based on an appraiser's knowledge, experience, and analysis of the property.
* Broker  An individual or company that brings borrowers and lenders together for the purpose of loan origination.
* Closing Costs  These are expenses - over and above the price of the property - that are incurred by buyers and sellers when transferring ownership of a property. Closing costs normally include an origination fee, property taxes, charges for title insurance and escrow costs, appraisal fees, etc. Closing costs will vary according to the area country and the lenders used.
* Credit Report  A report detailing an individual's credit history that is prepared by a credit bureau and used by a lender to determine a loan applicant's creditworthiness.
* Credit Risk Score  A credit score measures a consumer's credit risk relative to the rest of the U.S. population, based on the individual's credit usage history. The credit score most widely used by lenders is the FICO® score, developed by Fair, Issac and Company. This 3-digit number, ranging from 300 to 850, is calculated by a mathematical equation that evaluates many types of information that are on your credit report. Higher FICO® scores represents lower credit risks, which typically equate to better loan terms. In general, credit scores are critical in the mortgage loan underwriting process.
* Down Payment  Part of the purchase price of a property that is paid in cash and not financed with a mortgage.
* Equity  The amount of financial interest in a property. Equity is the difference between the fair market value of the property and the amount still owed on the mortgage.
* Escrow  An item of value, money, or documents deposited with a third party to be delivered upon the fulfillment of a condition. For example, the deposit of funds or documents into an escrow account to be disbursed upon the closing of a sale of real estate.
* Fannie Mae  A congressionally chartered, shareholder-owned company that is the nation's largest supplier of home mortgage funds.
* FHA Mortgage  A mortgage that is insured by the Federal Housing Administration (FHA). Also known as a government mortgage.
* FICO Score  FICO® scores are the most widely used credit score in U.S. mortgage loan underwriting. Higher FICO® scores represent lower credit risks, which typically equate to better loan terms.
* Fixed-Rate Mortgage (FRM)  A mortgage interest that are fixed throughout the entire term of the loan.
* HUD-1 statement  A document that provides an itemized listing of the funds that are payable at closing. Items that appear on the statement include real estate commissions, loan fees, points, and initial escrow amounts. Each item on the statement is represented by a separate number within a standardized numbering system. The totals at the bottom of the HUD-1 statement define the seller's net proceeds and the buyer's net payment at closing.
* Index  The index is the measure of interest rate changes a lender uses to decide the amount an interest rate on an ARM will change over time.The index is generally a published number or percentage, such as the average interest rate or yield on Treasury bills. Some index rates tend to be higher than others and some more volatile.
* Initial Interest Rate  This refers to the original interest rate of the mortgage at the time of closing. This rate changes for an adjustable-rate mortgage (ARM). It's also known as "start rate" or "teaser."
* Line of Credit  An agreement by a commercial bank or other financial institution to extend credit up to a certain amount for a certain time.
* Monthly Fixed Installment  That portion of the total monthly payment that is applied toward principal and interest. When a mortgage negatively amortizes, the monthly fixed installment does not include any amount for principal reduction and doesn't cover all of the interest. The loan balance therefore increases instead of decreasing.
* Mortgage  A legal document that pledges a property to the lender as security for payment of a debt.
* Mortgage Banker  A company that originates mortgages exclusively for resale in the secondary mortgage market.
* Mortgage Broker  An individual or company that brings borrowers and lenders together for the purpose of loan origination.
* Mortgage Insurance  A contract that insures the lender against loss caused by a mortgagor's default on a government mortgage or conventional mortgage. Mortgage insurance can be issued by a private company or by a government agency.
* Pre-Approval  The process of determining how much money you will be eligible to borrow before you apply for a loan.
* Principal Balance  The outstanding balance of principal on a mortgage not including interest or any other charges.
* Principal, Interest, Taxes, and Insurance (PITI)  The four components of a monthly mortgage payment. Principal refers to the part of the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Taxes and insurance refer to the monthly cost of property taxes and homeowners insurance, whether these amounts that are paid into an escrow account each month or not.
* Private Mortgage Insurance (PMI)  Mortgage insurance provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Most lenders generally require MI for a loan with a loan-to-value (LTV) percentage in excess of 80 percent.
* Rate Lock  A commitment issued by a lender to a borrower or other mortgage originator guaranteeing a specified interest rate and lender costs for a specified period of time.
* Real Estate Agent  A person licensed to negotiate and transact the sale of real estate on behalf of the property owner.
* Refinance  Paying off one loan with the proceeds from a new loan using the same property as security.
* Underwriting  The process of evaluating a loan application to determine the risk involved for the lender. Underwriting involves an analysis of the borrower's creditworthiness and the quality of the property itself.
* VA Mortgage  A mortgage that is guaranteed by the Department of Veterans Affairs (VA). Also known as a government mortgage.
* "Wrap Around" Mortgage  A mortgage that includes the remaining balance on an existing first mortgage plus an additional amount requested by the mortgagor. Full payments on both mortgages are made to the "Wrap Around" mortgagee, who then forwards the payments on the first mortgage to the first mortgagee. These mortgages may not be allowed by the first mortgage holder, and if discovered, could be subject to a demand for full payment. Thank you for contacing a Tampa, Florida mortgage loan broker!

08/04/2022

If you're in the market for a condo or co-op, reach out to learn about their unique mortgage requirements before making your offer. We'll walk you through the guidelines and ensure an easy path from application to closing (plus great rates too).

08/01/2022

Real estate agents: Is there anything more awkward than waiting for a funding authorization at the closing table? I didn’t think so. Ask me how our instant funding process can get keys in your clients’ hands faster and get you more referrals.

07/31/2022

Retired or active military service member? You’re entitled to exclusive mortgage benefits. Contact us today for more information about our VA loan programs.

07/29/2022

While other lenders can make you wait all day to close, our streamlined closing process means no hassle or delay in getting your keys. Just sign and move right in.

07/27/2022

We all know summer is a “hot” time to purchase your next home. Get ahead of the competition by heading to our website to get a fast and easy pre-approval (or give us a call)!

07/25/2022

Ready to make a splash with a new home purchase this summer? Send us a message to find out what you can afford!

07/22/2022

My job as your independent mortgage broker is to find an ideal loan for your budget and lifestyle. Save time, money and the headache of trying to navigate the mortgage world by yourself. Call today.

07/20/2022

Our technology lets you track your mortgage loan every step of the way. Single-click access, up-to-date status info and transparency throughout the whole process help keep you in control. Call today to get started.

07/18/2022

As you can see, I wear my confidence on my sleeve that brokers provide a more personal mortgage experience over retail lenders! Give me a call to experience elite customer service and a faster, easier and perfectly tailored loan.

07/16/2022

Ready to enjoy America’s favorite pastime from the comfort of your own home base? Reach out to get a pre-approval, help calculate how much house you can afford or get answers to your questions on the loan types you may qualify for today.

07/14/2022

Looking for the right loan for your higher-priced home? We offer a wide variety of mortgage options, including specialized loans for short-term investors, veterans and those with exceptional credit. Let us customize a jumbo loan for your dream home today!

07/12/2022

How much a potential borrower makes is important, but it’s not the only factor considered when getting approved. Credit score, work history and loan type are just a few other factors to consider. I’m a mortgage expert ready to help – reach out to learn more!

07/10/2022

Ready, set, lock, shop! Lock in your rate for 60 or 90 days so rates won't rise while you look for your next house. Reach out now!

07/08/2022

Are you looking for a first-time homebuyer loan that won't drain your savings? You may qualify for a FHA loan that requires as little as 3.5% down. Our team can answer all your questions. Give us a call today.

07/06/2022

Mortgage brokers like us are the experts in finding you lower rates and faster closings. Call us today to get started – we’d love to help find the best mortgage to fit your family.

07/04/2022

Whether on the road or in your own backyard, enjoy the fireworks this Fourth of July!

07/01/2022

A mortgage pre-approval letter is a document from a lender that states exactly how much house you can afford based on personal financial information. It shows sellers and real estate agents that you’re a serious homebuyer. Need one? Call us today!

06/30/2022

Don't wait! Minimize your time at the closing table with instant funding. Reach out to our team to get started today!

06/27/2022

We know building excellent credit takes time and effort. That's why we offer exclusive low rates for borrowers with a 700 FICO or higher. Get in touch with us today for more information.

06/24/2022

Are you looking for a partner that will benefit your real estate business? As an independent mortgage broker, I can find your buyers a loan and provide elite client service with a smile. Reach out to me today to get connected.

06/22/2022

Interested in refinancing but don’t to go back into a 30-year mortgage? We can help Call today to see how you can get a better rate without extending your mortgage terms. Because your mortgage should be like this guy.

06/20/2022

If you've saved up more than the minimum for your down payment — but not quite 20% — we've got a great option for you! Learn how to eliminate mortgage insurance on your home loan (and lower your monthly payment) with as little as 10.01% down.

06/16/2022

Knowledge is power and we want you to feel the power of working with a mortgage broker. With multiple loan options, one-on-one service and an explanation every step of the way, come experience the broker difference for your purchase or refinance.

06/13/2022

If you've been working hard building up your credit score, you may qualify for a better loan. Let's explore your options to save on your monthly payment.

06/09/2022

FHA loans are a great option for first-time homebuyers with lower credit scores or less money to put down. If you're looking to purchase your first home, let our team tell you about our FHA options. Let's get started.

06/07/2022

Congratulations to our Florida Teacher Appreciation Gift Card Winners! The team at Mortgage Approval Group wants to recognize you for your commitment to education. Thank you for supporting the students of Florida! Your dedication is appreciated!

Taylor Wilson, Oakridge Middle

Lasandra English Alves, West Oaks Elementary

Stephanie Walden, Tarpon Springs High

Wendy Anderson, Dundee Elementary

06/06/2022

Initial escrow deposits can be expensive. Let us help you save thousands at the closing table by eliminating this costly pre-payment of taxes and insurance. Contact our team for more information on how you can qualify.

06/03/2022

Choosing the right real estate agent can be a daunting task. How do you decide who's best? Luckily, our team works with the best agents in your neighborhood so you don't have to guess. Reach out now for a referral.

05/30/2022

Celebrating and honoring our heroes today. We hope all of you have a safe holiday weekend!

05/26/2022

If you are serving or have served our country, you're eligible for a VA loan and the exceptional benefits that come with it — from low interest rates to no down payments. Let us help you secure your home today!

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Telephone

+18136035117

Website

http://www.mortgageapprovalgroup.com/

Address

2918 Busch Lake Boulevard Suite A
Tampa, FL
33614

Opening Hours

Monday	8am - 7pm
Tuesday	8am - 7pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	8am - 7pm

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