Palm Beach Mortgage Loans

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Mortgage and Lending - Envoy Mortgage - NMLSR ID #644428 - NMLSR ID # 644428
I am looking to educate everyone on the comings and goings of the mortgage industry from a perspective of someone who has closed many loans, managed many people, and made many dreams of home ownership come true. I love what I do and that is why I can spend the time taking care of the clients that are referred to me. I love to create raving fans! Michael
RECENT BLOG POSTS
If you are a hero or know a hero that is looking to buy a home as a first-time buyer there is a great program that you need to know about.  It is a little known program that many mortgage lenders often don't mention at all.  That program is an MCC Tax Credit program and it can be added to many mo...
05/15/2019
Having worked in mortgage lending for over 32 years now, I still find myself becoming very excited whenever I get to bring new ideas to my local Palm Beach County marketplace.  I have recently joined Homes for Heroes as a local mortgage specialist for Jupiter.  Of course since I am licensed for t...
05/05/2019
Have you ever heard of the ability to have someone get an FHA loan and borrow 100% of the appraised value?  If not then perhaps you have not heard of FHA loans with down payment assistance or DAP's as they are called.  FHA allows this if the provider of the downpayment is an approved non-profit. ...
12/23/2017
As we check in on the Purchase Mortgage Market, applications are up just over 1% in the latest reporting period.  As rates trended back down in November you say the purchase mortgage market stay strong even with the inventory of houses shrinking further and further.  I expect that the Black Frida...
11/23/2017
I speak to many investors who see projects that they would love to participate in, but lack the capital to purchase and renovate the property.  Often times, a project for a single family home in a desirable neighborhood in North Palm Beach County will run around $250,000-$350,000. Most homes that...
07/09/2017
I get asked  a question just about every day regarding the HFA of Lee County - Own a Home Opportunity Program and the Own a Home Opportunity Grant Program.  It goes something like this; Why do I care about Lee County when I am buying in Palm Beach County? or I said I was buying in Palm Beach Coun...
05/06/2017
VA Renovation Loans, yes they do exist.  If you have called around from lender to lender and have not been able to get a straight answer to your question when you asked if VA renovation loans do exist, I can assure you that they do.  I have been originating renovations loans under the FHA 203K Pr...
05/04/2017
Have you heard of the Down Payment Grant Program called the NHF Sapphire?  If not I am sure you will soon.  This program is an acutal Grant and does not have to be paid back.  I will be providing greater details in coming posts on this unique program but one aspect of this program that I couldn't...
08/10/2016
I am often asked why so many potential homebuyers in Florida are not aware of the great downpayment assitance programs available in our great state of Florida.  I find it a bit confusing myself.  Part of the problem in my opinion is that most Loan Originators would rather work on bigger loans.  O...
02/15/2016
Actually it never really went out of style in my opinion.  It is just that is is a very under utilized mortgage program.  Why then is the title of my blog the declaration that the FNMA Homestyle is back in style?  It is because the FNMA Homepath renovation loan no longer exists.  Living and worki...
12/07/2014
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Michael Cantwell

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