Our Services
We are committed to providing the highest quality services in order to satisfactorily ensure that you get the optimal result to meet your particular needs. We created a secured online environment that is inclusive and transparent with features and options to guide you through the services we offer for your purchase or refinance needs. We have access to unique products and services to help you achieve your home purchase or refinance goals.
Here are the 4 main reasons that clients choose Fernencial Mortgage Lending of Florida as their preferred Mortgage Consulting Company:
(I) We spend more mortgage consulting time with borrowers than other companies, and provide free financial consulting to those who don’t meet any qualifying guidelines in order to prepare them to be ready.
(II) We have access to certain interest rates that your local banks or credit unions don’t have access to. We partner with lenders that offer affordable discount points that get your interest rate lower at a cheaper price on your home purchase or refinance loan.
(III) We shop the market to save you time and money.
(IV) We are available on your terms – daytime, nighttime, and weekends!
Conventional Loans
Loan programs that meet the requirements set by the Federal Housing Finance Agency (FHFA). Available through and guaranteed by the two government-sponsored enterprises: Fannie Mae and Freddie Mac, or private lenders. Not offered or secured by a government entity.
FHA Loans
Loan programs available by the Federal Housing Administration (FHA), and issued through an FHA approved lender. Available to anyone but was designed to accommodate first-time homebuyers and low-to-moderate income borrowers.
VA Loans
Loan programs available and guaranteed by the Department of Veterans Affairs (VA), issued through private lenders. Created for eligible military veterans, service members and their spouses.
Reverse Mortgage Loans
Loan program that is commonly known as Home Equity Conversion Mortgage (HECM). It enables borrowers (62 years of age or older) to access equity in their property and use it to supplement retirement income. It also provides a lot of benefits.
Jumbo Loans
Loan programs that exceed the conforming loan limit requirement as determined by the Federal Housing Finance Agency (FHFA).
Commercial Loans | ALT-A Mortgages | Non-QM
Loan programs for mixed-use or commercial properties such as multi-family home, office building, church, shopping center, apartment complex, industrial warehouse, etc. Foreign national, and Alt-A loans for borrowers that might not meet all the QM requirement items that comply with the Consumer Financial Protection Bureau (CFPB).
Overview
Why Fernencial Mortgage Lending of Florida?
Fernencial Mortgage Lending of Florida was created to provide "A Seamless Path to Purchase or Refinance Your Home Where The ONLY Focus Is YOU." In our own unique way, we provide a full range of diversified options when it comes to mortgage lending. We have been in the mortgage industry since 2006, striving to exceed expectations every time we get the opportunity to be your Mortgage Consultant. By choosing Fernencial Mortgage Lending of Florida, you can access all your mortgage options with just one application. We will match your request with the lenders that offer the best results. Why would you shop around with multiple lenders pulling your credit reports multiple times when you can apply with Fernencial Corp that uses one credit report to obtain the best deal for you? We don’t work for the lenders, we work for you! Find more about us:
The World of innovation
Fernencial Corp has a company culture with a set of shared values, goals, attitudes and practices that characterize how we do business! We believe in a company culture that creates a place where innovative and creative thinking is consistently used in order to find the right solution(s) to your specific mortgage or financial need(s).
We Are More Than Just Mortgages – We are Fernencial Corp, A Financial and Business Consulting Company that can also assist you with other services related to financial and business consulting. Fernencial Corp operates under three d/b/a names: Fernencial Mortgage Lending of Florida, Fernencial Business Essentials, and Fernencial Certified Loan Signing Agency.
Fernencial Corp -Licensed in Florida by the Office of Financial Regulation. FL LIC.# MBR3612. Company NMLS ID# 1975034. NMLS Consumer Verification Access: www.nmlsconsumeraccess.org
Time is Undefeated
Time is always of the essence in closing on your purchase or refinance loan. That’s why we make YOU our ONLY Focus, with devoted time to streamline your loan process in order to ensure that your mortgage closes on time, every time!
We thank you for each opportunity you have given us to serve you with your mortgage needs, as well as your continued referrals. We will tirelessly continue going above and beyond the call of duty to exceed your expectations.
Please do not hesitate to contact us via email or phone for any needed assistance, as our goal is to make sure your experience is always pleasant and successful.
–K. Kent Ferne, Founding President
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