THE SECURITY OF THE HARBOR

    Since mankind learned to sail the seas, the lighthouse has symbolized safety, security and shelter - a beacon of light, steering sailors away from danger and into safe harbor.  This is why we chose it as our symbol and named our company Harborline ^® Mortgage Inc.  It is our job to provide you with the same sense of security and guidance in the subject of residential and commercial real estate financing.  We will act as your trusted advisor, finding ways to make your dreams come true and always looking for creative solutions to get you there.

    Harborline ^® Mortgage is not a bank or direct mortgage lender - we are Florida licensed mortgage broker business, making us independent from any particular bank or direct lender.  What does it mean for you? It means that we have the freedom to act on your behalf helping to find fitting loan scenario tailored to your specific needs.  Harborline Mortgage offers loans from a portfolio of 106 different mainstream and niche wholesale lenders.  It is our goal to know our wholesale lenders and their programs well.  We screen each lender and their programs carefully and adjust our portfolio according to market conditions.  And there are "specials" - temporary loan programs not offered through the regular lender retail banking channels.  Each of our mortgage professionals is an individually licensed Florida Mortgage Broker and offers wealth of experience and credibility.  We participate in various professional organizations and are active members of Florida community.  We know how to write loans that are specific to our great Florida Sunshine State, and we want you to enjoy home ownership and Florida lifestyle as much as we do.  Call Florida Mortgage Helpline to find out!

HARBORLINE ^® MORTGAGE = YOUR PERSONAL LOAN ADVISOR

    Choosing a company to handle your home loan financing is a serious matter.  Buying a new house, refinancing existing loan - all these are very important and lasting financial decisions one makes.  Harborline ^® Mortgage wants to help.  Think of us as your loan "tailor" -  we start our process with a detailed evaluation of clients financial and personal goals.  Yes, personal, because truly good financial decisions have to be based on thorough understanding of the customer personal goals.  We will ask you a lot of questions and present you with multiple options even if you just want that fixed loan rate!  There are many loans that may fit your short and long term goals much better than one offered by your bank.

    If we cannot be of help, we will tell you that too.  This is most often when your current credit score need some improvement, or you do not have enough equity in your property to refinance your loan.  Instead, we will give you solid advice how to improve your credit standing and refer you to Credit Counseling.  Within few months you will be ready to get on with your business, and with much better rates!

OUR BACKGROUND AND COMPANY MOTTO

    Harborline ^® Mortgage was founded in 2003 on the principle of excellence and best service to the customer.  Harborline ^® Mortgage founder has been working in lending industry for more than 12 years, many of our licensed brokers have background in finance or accounting.  We treat our customers fairly and intend to keep writing loans for many years to come. Harborline ^® Mortgage licensed loan officers will disclose your loan fees to the dollar and work with you closely throughout the process.  During the process we will share with you our preliminary findings - in short, we will tell you both good and sometimes not so good news.  In the latter case, just before giving up, our experienced brokers will team up to find all possible options left on the table. 

Hence our motto: "Mortgage Excellence. Period".  In the end, all we have is our good name.

LOCATED IN TAMPA FLORIDA

Harborline ^® Mortgage cares a great deal about professionalism and integrity.  Unlike some other internet lenders, we publicly advertise our location.  If you happen to live close by, do not hesitate to come and visit our Tampa offices in person.  We will be happy to meet you and shake your hand.  But if you happen to leave outside of greater Tampa Bay area, no problem.  We close loans all over Florida.  All needed loan application documents will be shipped to you via UPS and our title company will schedule closing at location convenient to you.

OUR RESOURCES - WE HAVE YOU COVERED

    Closing a real estate transaction requires coordination of many parties.  For our clients, it can be daunting at times, if not overwhelming.  We understand, we have been there too.  Most often, your transaction is your single most important financial decision you will ever make in your lifetime. To make process smooth, we have Real Estate Attorney, Insurance Agent and Title Closing company on our premises!  While writing loans is our job, we know other professionals too.  So if you are just in the market for for Real Estate Attorney, Realtor,  Homeowners and/or Car Insurance Agent, Life Insurance Agent, Home Appraiser, Financial Planner, Investment Broker, Credit Repair, heck, even Landscaper.  We will be glad introduce you to our network of referrals. Just call our Florida Mortgage Helpline and we will be happy to help.

OFFERING BEST FLORIDA MORTGAGE RATES

    In current volatile market conditions, mortgage rates are changing daily.  On our home page we post average Florida mortgage loan rates.  These mortgage rates come from many Florida lenders and may or may not include discount points, and are to be treated as a general rate indicators only.  But rest assured, we will do all the mortgage and rate shopping for you.  We know our wholesale lenders and our Florida competition well.  You have probably heard the news about banks failing every other week.  You may be unsure if your bank will still be there for you next week, month or year.  This is because many banks over-extended themselves during good years and now everybody is paying the price. 

    Luckily for our clients, Harborline Mortgage does not hold a bag of bad loans.  Therefore, we are free to present real lending alternative to cash-strapped, risk-averse and reluctant to lend banks.  Based on your credit standing and income, Harborline Mortgage will get you best possible loan rate offered through our lending channels that matches your particular situation.  Harborline Mortgage loan officers will disclose all closing fees, clearly itemized before you pay us a single dollar  (no, we do not charge application fees).  So while there is a charge for our services, remember that banks charge you fees and points too.  Read the fine print, and you will see that that great rate they advertise is "subject to terms and conditions as disclosed in your loan package".  Not to mention so-called "no closing costs" programs, so conveniently wrapped into higher loan interest rate.  Such programs usually recoup these costs through higher rate within first two years; after that, you will still keep paying the extra premium.  Our advice to you is to pay these costs upfront instead.  However, these costs can be included in the loan amount.  So when refinancing, you will not incur any out-of-pocket expenses except the cost of the appraisal.

BIWEEKLY MORTGAGE PAYMENT PLAN - SAVES THOUSANDS AND BUILDS EQUITY QUICKER

    As recommended in national bestseller "The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich" by David Bach (find it on Amazon using keyword "biweekly mortgage payment plan"), biweekly mortgage payment plan is a direct investment in the only one equity vehicle you can control -  your mortgage note.  Why?  Because regardless of the stock market and economy, the investment grade of your mortgage note is determined by you and your ability to make your mortgage payments on time.  So why not save on mortgage interest and enroll into payment plan that diverts portion of the mortgage interest into your equity.  All while having the same impact on your cash flow as before.  Existing home loans that ordinarily take 30 years to amortize will pay off in approximately 22 years when paid via our program at 7% mortgage rate; at higher rate, the actual terms declines even further. 

    Harborline ^® Mortgage is proud to offer biweekly mortgage payment plan to our clients and help them shorten their loan term. But the key benefit is substantial savings - as a result, our clients save thousands of dollars, on average $35,000 - $90,000.  Our biweekly mortgage program is designed to apply more money to the principal balance of your loan, increasing the equity in your home at accelerated pace.  Due to faster amortization our clients pay interest on smaller loan balance and for a shorter period of time, which result in substantial savings over the life of the loan.  After five years on our plan, you will have 2-3 times more money available from the increased equity you have helped to build.  Call our Florida Mortgage Helpline and ask about it!

REVERSE MORTGAGE

    If you are homeowner of 62 or older, you can make your house pay you.  Reverse mortgage is a loan against your home that you do not have to pay back for as long as you live there. With a reverse mortgage, you can turn the value of your home into cash without having to move or to repay the loan each month. The cash you get from a reverse mortgage can be paid to you in several ways and you do not have to pay anything back until you die, sell your home, or permanently move out of your home. It is a good alternative to cash-out refinancing, and sometimes the only one for older homeowners.  Call our Florida Mortgage Helpline and ask for reverse mortgage to find out more.

IF YOU ARE SELLING YOUR HOUSE...

     ...Harborline ^® Mortgage Florida Helpline will be glad to help too. While we cannot refinance your house when it is listed for sale, we certainly will be delighted to help you sell it.  Maybe refer you to best realtors in the area, potential investors, or renowned appraisers.  Hmm, you may be wondering why?  Well, Harborline ^® Mortgage can prequalify your potential buyers and help you avoid delaying the sale or signing the contract with unqualified buyer.  And yes, we want to help you purchase you new home too.  In fact, we want to have you as our client for life!  And all your family and friends.  (now the truth came out - this is where we are greedy).  So if you are satisfied with your loan, keep referring us to anyone who needs one too.  It is, after all, the best compliment you can give us.  And remember to mention our Harborline ^® Florida Mortgage Helpline!

MORTGAGES ARE OUR PASSION

    Mortgages are our business and passion.  There is no better feeling than seeing people at the closing table buying that first house, that vacation home, getting money for children's education or whatever other goals and desires they pursue.  Making it happen is our job and we take it seriously.  Our lending fees are in line or below industry standards, but most importantly, what we care about is the benefit to you, the borrower.  So you keep that smile you had when you walked in and when you closed your loan, ready to open new chapter in your life.  It is the only way you will recommend us to others.  We do share these warm feelings with your too, because we truly are on your side.

LEARN HOW WE CAN TRANSFORM YOUR DREAMS INTO REALITY AND DARE TO QUESTION US!