Mark Hyatt- S. Fl. Regional Manager
Name
Mark Hyatt- S. Fl. Regional Manager
Company
Platinum Home Mortgage Corporation
E-mail
Contact Mark Hyatt- S. Fl. Regional Manager (Platinum Home Mortgage Corporation)
Website
http://www.ephmc.com
Office Phone
(954) 452-2440
Cell Phone
(954) 658-7893
Fax
(954) 452-8581
Description
1860 N Pine Island Rd 201 Plantation, Fla 33322

Platinum Home Mortgage

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At Platinum Home Mortgage Corporation, we are raising the Gold Standard of Mortgage Lending... to PLATINUM!

I've been a mortgage lender for over 25 years and will put my knowledge and expertise to work for You. After discussing your short and long-term goals, together we will pick the program that's best for You. I specialize in FHA and VA loan Programs along with a variety of Conventional Loan Programs that are Custom designed to each particular Buyer.  

I actively support our community as a member of the Chamber of Commerce and as an affiliate member of the Fort Lauderdale, Board of Realtors.

 My goal is to provide you with superior service through the entire loan process.You can rely on me to give you straight forward answers and helpful information so you are able to make the right choice about your financing.

Call me today to learn more about how I can help you purchase or refinance your home. I look forward to hearing from you

Raising the Standards of Mortgage Lending

m   What Can You Expect From the Home Buying  Process?

   The process of buying a new home may seem overwhelming and intimidating. Platinum Home Mortgage will assist you during the process by providing valuable advice and information.

Understanding the home buying process will help you know what to expect and how to plan:

1. Budgeting
 

Print and complete the worksheet to assist in the analysis of your current income and the other added costs associated with owning a home.
2. Calculators
 

Use these calculators as tools to assist your thought process for down payment, loan amount and the monthly payment you feel you would be comfortable making.
3.

Mortgage process
 

It is advisable to obtain a pre-approval from your Platinum Home Mortgage Consultant to leverage your negotiations when purchasing a home.  
4. Shop for a home
 

Find helpful steps in the search to find your new home
5. Closing
 

Closing is the final step in the home buying process at which time all fees, payments and exchange of funds is completed. After the closing, the title is transferred into your name and the sale is officially recorded. Then, you get the keys to your new home and move in!

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Should You Buy?

Now that you've planned and saved, consider the financial and lifestyle changes involved in homeownership. Make sure you've considered the following factors before deciding if buying a home is right for you. 

Advantages of owning a home:

  • You can control your environment.  When you buy a home, you select the property that's right for you based on location, size, and appearance. You can also remodel your home any way you like.  (Subject to city zoning, homeowners association, and other restrictions.)

  • You can deduct the interest on your home loan from your income taxes.  (Consult your tax advisor.)

  • You can build equity in your home, the proceeds of which you obtain when you sell. 

  • You can achieve a favorable return on your investment in an appreciating housing market.

  • You can borrow against the equity in your home.

  • You can enjoy the satisfaction of achieving homeownership.

1Considerations:

There are costs in addition to your monthly principal and interest payment. Be prepared  for the additional ongoing expenses associated with owning a home. These are in addition to the payment of the one time closing costs.

  • Additional utilities.  You'll probably have to pay for more utilities and services compared to renting such as water, gas, trash pick-up, sewer and electricity.  These expenses depend on the type of property and location.

  • Maintenance costs.  You will be responsible for all repairs.  When renting, your landlord usually takes care of all maintenance costs.  As a homeowner you will be responsible for all expenses.

  • Insurance.  It is required to carry homeowner's insurance to protect your home and personal property in the event of a fire, theft, or natural disaster.  Policies and coverage vary depending on property type and location.

  • Property taxes.  Don't forget about city, county and municipality taxes. In most states you will be required to pay property taxes based on the property location.

  • Homeowner association fees.  If the property is a condominium or is a home located in a planned unit development, you will probably have to pay homeowners' association fees.  These fees typically cover maintenance costs for common areas and group insurance fees.

  • Buying a home does not guarantee an increasing home value. You should always pay attention to market fluctuations in value which can influence your equity and resale potential.

After making such a major investment, many people find that their lifestyles change.  In addition to the added financial responsibility, you may find yourself spending more time at home to work on improvements or just to enjoy your investment.  This means less time and money may be available for discretionary expenses such as travel, luxury items and hobbies.

 

1Our Loan Programs

Platinum Home Mortgage offers a variety of mortgage programs with competitive rates.

FIXED RATES

  • Fixed Interest Rate Loans provide you with the security of a fixed interest rate and a standard monthly payment for the life of your loan.

ADJUSTABLE RATES

  • An Adjustable Rate Mortgage (ARM) starts the interest rate  lower than current fixed market rates. After the initial  period when your rate is locked,  your monthly payment will gradually increase or decrease based upon a market sensitive Index throughout the life of your loan. The Margin, which remains fixed through the life of the mortgage, is then added to the index to determine your rate for the next payment interval.

BUYDOWNS

  • Buydowns provide the security of a fixed interest rate with a lower initial payment for up to two (2) years. Because of the initial lower monthly payment, you may be able to qualify for a larger loan amount.

FINANCING PROGRAMS

  • Pre-Approval Program
  • Conventional Financing Programs
  • Conforming Mortgages
  • Jumbo Mortgages
  • Non-Conforming Mortgages
  • Interest Only Options Available
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Government Financing Programs - Government Insured Financing provides for loan to value financing up to 100% through Insurance and Guarantees provided by Federal Government Agencies. Platinum Home Mortgage offers both FHA and VA loans.

FHA Mortgages

  • FHA Mortgage Loans provide loans  with the assistance of insurance from the Federal Housing Administration. FHA loans can be fixed rate loans, adjustable rate loans or buydown loans with lower payments than most other mortgage loan programs. Maximum loan amounts vary depending on the location of the home you are purchasing.

VA Mortgages

  • VA Mortgage Loans are available to eligible individuals who are or were enlisted in the Military.

Special Financing Programs - Platinum offers several programs designed specifically to help homebuyers with unique financial situations purchase a home.

First Opportunities Loan Program

  • The first opportunities program from Platinum Home Mortgage is designed to meet the needs of our rapidly expanding Immigrant Communities that have a desire to: Stabilize their neighborhoods through home ownership, create a legacy of homeownership for their families, establish credit and banking relationships and build wealth. (More on the First Opportunities Program)

Homes for All Program1

Homes for All Program Loans are designed for individuals with low-to-moderate income. These loans allow for a lower down payment and contain more relaxed underwriting guidelines than most traditional financing programs.

Just a Few of my Testimonials

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"Thank you for making my refinance, which would ordinarily have been a stressful experience, a pleasant one. Unlike most business transactions I have been involved with, the only surprise is that it came out better than I expected. I have already recommended you to several people and will continue to do so."
- M. Byron

"I wanted to thank you and your team at Pinnacle Financial for your excellent services provided to me in my new home purchase. I've already begun to tell my fellow law enforcement friends how nicely I was treated and how satisfied I was with your service."
- Detective Ben Anderson, Broward Sheriff's Office
"You and your team at Pinnacle Financial are efficient, organized and love your work -- all rare attributes in these days, especially for an entire company! We have already recommended Pinnacle Financial to several friends and will continue to do so in the future."
- M. Brillinger