Welcome to The Mortgage Firm

Ready to purchase the home of your dreams?

See if you Qualify

CALL US TODAY: (727) 344-3995

How can we help?

We are here for you from start to closing and beyond. Let us simplify the mortgage
loan process and experience our World Class Service.

Find a loan originator

Let us get you on the journey to your new home

MEET OUR TEAM

Purchase A Home

Ready to find the right mortgage for you?

Explore

See Loan Options

Let us help you find a loan that works for you!

LOAN PROGRAMS

Why Choose Us?

Purchasing or selling a home is a complex and tedious process. At The Mortgage Firm, we've earned a stellar reputation among real estate professionals, builders, and individual home buyers for simplifying the process. In fact, we send automatic updates to you throughout the entire process with continual status reports and no surprises! This advantage is built around our mission to keep it simple and easy. We call it "Closing Simplified."

GET PRE-APPROVED
APPLICATION
PROCESSING
UNDERWRITING
CLEAR TO CLOSE

Our
Process

Our Process

Getting Started with Pre-Approval

One of our experienced Loan Originators will evaluate your credit, income and assets to determine what ranges of home prices you qualify for. Once this process is complete, you will receive a Pre-Approval letter that solidifies you as a strong buyer, to submit with your offers. Sellers are more likely to accept offers from Buyers who provide a pre-approval letter because they know your documents have been reviewed by a lender and it clearly states that you are capable of satisfying all financing aspects of the purchase contract.

Speak with one of our experienced Home Loan Experts
Evaluate Income, Assets and Credit
Receive a Pre-Approval Letter
Submit a solid offer on your Dream Home

Apply Today

Once you have found a home and have gotten into contract, our home loan experts will assist you through filling out the official loan application. The property information will be entered, any documentation that needs to be updated will be requested and you will be issued disclosures to review and sign.

Find a Home
Make an Offer
Get an Offer Accepted
Fill Out the Mortgage Application
Update Documentation as Needed
Review and Sign Disclosures

Processing

Loan processors will verify all documents relating to the borrower as well as the property being purchased. They will review all of the information in the loan file, request any additional documentation, and assemble an orderly and complete package for the underwriter.

Loan file is reviewed
Additional documentation is requested
File is submitted into Underwriting for credit decision to be made

Underwriting

Once the processor submits the complete loan file to underwriting, it is checked to make sure the borrower and property meet all of the guidelines for the loan. The underwriter is responsible for approving or denying the loan application. Loans are sometimes approved with conditions. Once the borrower fulfills the conditions, the loan is "clear to close".

Loan File is Analyzed
Confirm Borrower Meets Guideline Requirements
Property/Appraisal is Evaluated
Loan is Approved with Conditions

Clear to Close

Once the loan has been approved, the closing process begins. During closing, the property title passes from the seller to the buyer. A closing agent, usually an attorney or official from a title company, oversees this process. The closing documents are then signed, the loan is funded and the process is complete.

Loan Conditions met and cleared
Review Final Closing Disclosure and Documents for accuracy
Borrower to Sign Closing Documents
Loan Funded and Borrower receives keys to Dream Home

Quick Mortgage Question?

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READY TO TALK TO AN EXPERT?

Tim Condron
Branch Manager / Loan OriginatorNMLS ID: 310174

Jill Sullivan
Assistant Branch Manager/ Loan OriginatorNMLS ID: 330912

Diane Cape
Mortgage Loan Originator NMLS ID: 338075

Frank Newburg
Senior Mortgage Loan Originator NMLS ID: 316877

Karina Francalancia
Mortgage Loan Originator NMLS ID: 1871614

Phil Deslandes
Loan Originators NMLS ID: 356880

Adam Condron
Mortgage Loan Originator | Loan Partner NMLS ID: 1154157

Jacqueline Dyer
Mortgage Loan Originator NMLS ID: 352187

Larry Feldhusen
Mortgage Loan Originator NMLS ID: 217799

Sommay Sasavang
Processor

Emberly Phommarak
Loan Partner

Get started
today!

WHAT OUR CUSTOMERS ARE SAYING

4.9

88 Reviews / View all

Having recently refinanced my mortgage with the Mortgage Firm I found Frank and Pat to be extremely helpful in navigating through all the required forms. Both Frank and Pat were very professional, knowledgeable about the process, friendly and very responsive to all questions. Having previously helped us to finance our home I was confident that they would help us to obtain the best interest rate and terms for our situation. I highly recommend Frank and Pat to anyone looking to refinance their mortgage with a trusted, engaged and responsive lending Team.

Laura Anne Cavanaugh
Aug 19, 2021

Carson checked in to make sure everything was still on track even when nothing had changed. Also, He clearly communicated the numbers and what the difference would be if we changed certain parameters. Everything was smooth sailing. Thanks Carson!

Chris Carlson
Sep 13, 2021

Jeremy handled our first refinance with lightning speed! We wanted to take advantage of low interest rates and reduce the length of our mortgage. He was able to act quickly and lock a rate and terms which will save us over 130K over the life of the loan. Jeremy was awesome with communication, using e-mail, text, and calls to get the process done quickly and without the usual challenges you hear about. We were so happy with his work that we referred two other family members.

Giordano da Silva
Apr 30, 2021

Jill was absolutely wonderful! She has a wealth of knowledge about the mortgage industry and aims to set you up for success in your mortgage needs. She is personable and treats you with care and respect. She is very responsive and does not leaving you hanging or unanswered. I would highly recommend her!

Diane Algarin
May 30, 2021

Tim and Adam are true professionals! They handled all obstacles and issues promptly, and most of all honestly and correctly! They kept myself and all concerned updated almost daily. Provided excellent service! Totally recommend The Mortgage Firm. 5 Star all they way!!

john smith
Jun 29, 2021

CALL US TODAY: (727) 344-3995

How can we help?

Find a loan originator

Purchase A Home

See Loan Options

Why Choose Us?

GET PRE-APPROVED

APPLICATION

PROCESSING

UNDERWRITING

CLEAR TO CLOSE

Our Process