florida pool overlooking the canal
Fort Lauderdale home with large pool
florida pool overlooking the canal
white sand entrance to Fort Lauderdale beach


30 or 15 year Fixed Rate Loans

A home loan mortgage of 30- or 15-years duration in which the rate of interest remains unchanged throughout the term of the loan. This is the often-preferred method of financing by homeowners because of the certainty of the monthly principal and interest payments. The most popular terms are either 30 or 15 years, but other terms are available. A mortgage calculator can give you a good idea of what your monthly payments will be for the duration of your mortgage.

Adjustable Rate Mortgages

A mortgage loan written for a fixed length of time with an interest rate that is periodically adjusted up or down within a specified range. Mortgage payments therefore will fluctuate over the length of the loan. Lenders establish maximum limits of potential adjustment per year and over the life of the loan. Adjustments can vary, but the mostly widely used adjustables have fixed periods of 1, 3, 5, 7 or 10 years. This type of financing can be confusing and borrowers should seek a qualifed mortgage professional for advice and counsel on this type of loan.

Commercial Loans

Financing for commercial real estate as distinguished from residential real estate. Such as stores, warehouses, hotels, motels or properties with five or more apartments. The same flexibility available for residental loan applicants can be utilized in the pursuit of commercial financing when a mortgage broker like O'Brien Financial is employed.

FHA-First Time Homebuyer Programs

Flexible programs to address the increasing numbers of Americans of modest income who would otherwise be unable to obtain affordable housing. Expanded guidelines allow for easier qualifying and usually involves required counseling on homeownership and credit management.


Investor Loans

Non-owner occupied properties purchased as investments and to generate rental income. Rates and terms can vary greatly. Investment loans are for properties up to four units only.

Jumbo and Super Jumbo Loans

A loan greater than the normal conforming limit of $417,000. Super Jumbo would usually be larger than $650,000. Available for luxury purchases or refinances needing the large loan amount.


 The interest rate on your mortgage is tied directly to how much you pay on your mortgage each month--lower rates usually mean lower payments. You may be able to get a lower rate because of changes in the market conditions or because your credit score has improved. A lower interest rate also may allow you to build equity in your home more quickly. 

Second Home Loans/ Vacation Home Loans

 Second residences occupied on a part time basis and not considered to be an income producing property. A non-income producing residence used as a temporary domicile when away from the primary residence. Programs and terms available identical to those available for owner occupant financing.

VA Loans

 The U.S. Department of Veterans Affairs (VA) offers a loan program to military service members and their families. Similar to the FHA program, these types of mortgages are guaranteed by the federal government. This means the VA will reimburse the lender for any losses that may result from borrower default. The primary advantage of this program (and it's a big one) is that borrowers can receive 100% financing for the purchase of a home. That means no down payment is required.


green lifeguard hut on Fort Lauderdale beach

Come Live Where You Play. The South Florida lifestyle is waiting for you.

green lifeguard hut on Fort Lauderdale beach
Fort Lauderdale beach chair display photo
cute starfish on Fort Lauderdale beach
Fort Lauderdale water photos

Come Live Where You Play. The South Florida lifestyle is waiting for you.

Mortgage Pre-Approval Checklist:


Residential History

  • Your residential address for the past two years
  • Landlord names and addresses for the last two years, if you rented during that time

Employment & Income History

  • Paycheck stubs from the last 30 days showing your year-to-date earnings
  • W-2 or I-9 tax forms (issued by your employer) for the past two years

Personal Assets

  • Bank account statements from the two most recent months for all checking and savings accounts
  • Other asset statements from the past two months for any CDs, IRAs, stocks, bonds or other securities you intend to use for your down payment
  • Current real estate holdings, including property address, current market value, mortgage lender's name and address, loan account number, balance and monthly payment

Personal Debt

  • A list of any new monthly debts not listed on your credit report (auto loans, student loans, mortgage loans, credit cards, etc.), including creditor name, address, account number, minimum monthly payment amount and outstanding balance on each account

Additional documents may be required at your mortgage closing. Your mortgage loan originator will let you know which documents will be needed when you close on your new home and they'll work closely with you at each step of the mortgage process.

At  O'Brien Financial Group, Inc. we can get you pre-qualified or better yet pre-approved.   With a pre-approval, you position yourself as a cash buyer giving you more negotiating power.  One of our mortgage consultants is always available to answer your questions to do a quick, painless pre-qualification for you.  

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