As a Florida lender it is vital to be knowledgable in the clients special needs in regards to relocation and the purchase of second homes. We will make what could be a difficult transaction go smoothly, without any hitches.

In today's marketplace buying a home in Florida is a unique experience. We currently have a wonderful selection of inventory with exceptional pricing. However, beware, I strongly believe that your mortgage lender needs to be located in this market to understand the changes occuring daily.

For my Realtor friends, you have been the focus of my business for the last 30 years. Dealing with real estate professionals has been a joy, and the relationships which have developed have been truly rewarding. 

On a personal basis I was born in the seacoast area of New Hampshire and acquired a B.S. from the University of New Hampshire. I have been both and instructor and quest speaker on numerous occasions. As a resident of southwest Florida for over 12 years I have the knowledge and expertise to help you fulfill your needs in this marketplace.

My business philosophy can be summed up in one word;

Trust!

Only where trust has been established can we truly be successful. Where there is no sense of trust nothing else matters.

I have been a first time homebuyer's specialist for over 25 years. That also means that I am a strong government lender. In my opinion FHA loans have provided more opportunities, at better rates, than any other first time buyer's program. That is not to say that there are not a plathora of new programs available for these buyers.

Surprise! Stated Income programs are still available to those with good credit who are self employed borrowers. W2 income buyers are going to have to use their verifyable income.  

Our conventional product line is extensive dealing with primary, second homes, and investors. We offer loans for all income, no income qualifyers, and credit profiles.

Having lived in southwest Florida for over 15 years I will be able to help make your relocation as stress free as possible. Also if you are purchasing a second home we realize you have special needs. We are experienced with helping you with these needs.  

At this time we are introducing "reverse mortgages" for those who are 62 years of age and older. We are a direct lender for this product and will be funding our own loans. There are many misconceptions about this program, I personally am experienced with this program and will do my best to answer any/all questions for our senior friends.

Thank You for everything. I have never, in 8 years! had a loan officer so devoted to his job and his clients! Great job!

 Gerrie Johnnic

 C21 Birchwood Realty

I just SOLD the Lowest Price Gulf Access Home in Cape Coral. 

I would also like to make mention that we went under contract with this home on August 3rd and it closed in 11 days. Thanks to a great lender in Jay Beckingham.

Jay Lagace

C21 Birchwood Realty