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Tom Homan
Professional Mortgage Banker, Licensed Real Estate Agent, NMLS 301378
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Agent Trust Realty
Spring Hill, FL 34609
Direct: 352-573-8857
Fax: 352-688-7656

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12212 MANGO CT
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Welcome to Agent Trust Realty in Spring Hill FL. Please feel free to use our web site to Search The MLS in Hernando County. You can also use the Search Options for MLS Search in Spring Hill Florida as well Search MLS Listings in Pasco, Pinellas and the surrounding Areas. You Do NOT have to sign up for anything, nor do you have to put in any personal information. I hope you enjoy searching the MLS, and if you have any questions on any listing please do not hesitate to contact us 352-688-7022. This Web Site will allow you to search all Homes For Sale in Spring Hill Florida, including Spring Hill Foreclosure Listings, Short Sale Listings in Hernando County and everything in between. 

We Look forward to being your Trusted Real Estate Agents in Spring Hill.

CALL Tom Homan At 352-573-8857

 E-Loans Mortgage  

 

 

 

4117 Mariner Blvd.

Spring Hill FL, 34609

Office 352-573-8857

Mortgage Lending

In today's ever changing lending environment you need an experienced Mortgage Professional who can help guide you through today's complex and ever changing Lending Guidelines. Rest Assured our Team of Professional Mortgage Bankers will put their knowledge and experience to work to help you make your move pleasant one. Make your choice wisely. The Real Estate and Mortgage Professionals  you choose will help you make many important decisions. No one will work harder or more professionally for you than our Team of Real Estate and Mortgage Professionals.

  

Why Choose Team Trust?

We make the home financing decision simple. With the right combination of experience and knowledge, personal attentiveness and integrity we help you reach your goals and remove the bumps along the way. That’s the way you want it to be. We work hard to earn your trust and respect. You’ll find we stand head and shoulders above the rest. Allied is a premium lender dedicated to providing the right home loans for its customers. With many program choices including Conventional, Jumbo, FHA, VA, USDA and Reverse Mortgages, we have the tools at our disposal to address your particular needs. You can obtain more information by clicking on one of the buttons below. Contact us we are here to guide you along the way.

Types of loans we offer:

 

We Are Your Number One Choice For Mortgage Loans In Hernando County Florida
 
FHA & GOVERMENT LOANS

An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations. Available to all buyers, FHA loan programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans.
FHA loan programs are particularly beneficial to those buyers with less available cash. The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans.
Some of the other benefits of FHA financing:
  • Only a 3.5 percent down payment is required, and can be from down payment assistance programs or even a gift.
  • All Closing costs can be financed.
  • Lower monthly mortgage insurance premiums and, under certain conditions, automatic cancellation of the premium.
  • More flexible underwriting criteria than conventional loans
  • FHA limits the amount lenders can charge for some closing cost fees (e.g. the origination fee can be no more than 1% of mortgage).
  • Loans are assumable to qualified buyers.
VA Loans
VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.
Other benefits of a VA loan include:
  • Negotiable interest rates.
  • Closing costs are comparable and sometimes lower - than other financing types.
  • No private mortgage insurance requirement.
  • Right to prepay loan without penalties
  • The Mortgage can be taken over (or assumed) by the buyer when a home is sold.
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.
Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee the may be paid in cash by the buyer or seller, however generally it is financed in the loan amount.
A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.
Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loan program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan.
We are located in Hernando County in Spring Hill Florida, we are only a short distance to Tampa making it the perfect place to call home. We have been servicing the Tampa Bay real estate community for many years, and bring you over 21 years of combined knowledge and experience. You won’t find a friendlier more knowledgeable staff of professionals anywhere. We will assist you with every aspect of your real estate transaction, from getting appraisals to title insurance, to pest inspections, all the way through underwriting and closing. At CFS we do 90 percent of the "leg work" for you, making sure that your transaction is smooth, inexpensive, fun, and easy! Call us today to see what we can do for you! Mortgage Financing In Hernando County has never been easier. We are your best choice for a Mortgage Lender in Spring Hill Florida or the surrounding Tampa Bay Area. 
No Matter what your credit situation we have the perfect loan for you. Call us today and we can talk about your options.  Thomas Homan  Loan Officer  Team Trust  352-573-8857