Local Lenders Northwest Florida

Good Afternoon, Hope you are doing well.  I would like to add a few comments on the overall mortgage market.  As most of you are aware, the mortgage market is currently experiencing a severe tightening of credit standards.  Lending guidelines and qualification standards are becoming more restrictive as lenders move to protect themselves.  Some loan programs and qualification levels that were available a short time ago are no longer available today.  As a result some customers that may have qualified for a mortgage a few weeks back may no longer qualify today. Furthermore, we are strongly advising agents to place more scrutiny on pre-approval letters, pay close attention to the financing details on purchase contracts, and follow financing contingencies closely.  It is imperative that agents work with trusted and reliable lenders that understand the complexity of the markets and can adapt to the changing landscape. Our management team is keeping us educated and informed in this rapidly changing environment.  You may experience an increase in funding issues with other lenders, and we are ready to assist.  Any agent who finds their buyer in this dilemma should contact me immediately.  We offer a wide variety of loan programs, and we are prepared to provide quick closings to assist the consumer and get their transaction back on track.   

Thanks for your support and if there is anything I can do to help you please let me know.

Kathy Zwirko

Kathy Zwirko Office Cell 850-218-5820

Mary Beth Yancey

Mary Beth Yancey Originator Office 850-796-2108 Cell 850-585-1748 marybethy@fnbt.com

Country wide home loans

Dave Simmons Office 850-897-7982 Toll 866-492-8736 ext 7982 Cell 850-974-8778 david_simmons@countrywide.com

Lee Ann Arrigo Mortgage Advisor Cell: 850-803-5626 Email: leeann.arrigo@mortgagefamily.com

B and L

Baker and Lindsey, Inc. 26-B Racetrack Rd., NW Ft. Walton Beach, FL 32547 “>www.bakerlindsey.com Susan Robbins susan.robbins@bakerlindsey.com  (850) 864-1011 or (800) 421-1011

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