Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
With over 24 years of experience in the mortgage banking industry, Paul Hart Jr is a seasoned Mortgage Banker dedicated to delivering exceptional financial solutions. He understands your unique goals and provides tailored advice on loan options, interest rates, and repayment terms.
With deep knowledge of various loan products, including conventional, FHA, VA, and more, Paul identifies the best options for your needs. He conducts thorough financial analysis, increasing your chances of mortgage approval.
Paul ensures a seamless experience by guiding you through the loan application and processing with accurate documentation. With excellent communication skills and a focus on customer support, he keeps you informed and addresses concerns promptly.
Paul and his son love running a Toys 4 Tots Toy drive during the holidays. He is also an owner and coach for a youth race kart driving team. Paul’s son is a national kart racer with a very successful resume for his young career. Paul is a native New Yorker who grew up in Mahopac, NY and has a great love for the outdoors, fitness, sports, and traveling with his son Paul.
Choose Paul Hart Jr as your Mortgage Consultant for a confident and hassle-free homeownership journey. With his expertise, experience, and commitment to client satisfaction, he will guide you towards your dream home.
Visit us in Fort Myers, FL
About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
+
Ask Us About
Pathway To Prosperity
Ask Us About
Pathway To Prosperity
Ask Us About
Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
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