Meet Jaren

As a mortgage broker in St. Augustine, FL, I like to think of myself as your dedicated guide through the mortgage loan process. Whether you're a first-time homebuyer or looking to refinance, my role is to scour mortgage loan options and find the one that best meets your homeownership goals. As a mortgage agent based in St. Augustine, FL, I’m committed to helping you navigate the process of securing the most competitive rate, term, and loan type tailored to your unique financial situation.

I understand how complicated and overwhelming the mortgage loan process can feel, especially with all the various loan options, financial terminology, and market factors involved. But I’m here to change that perception. With the right guidance, the process doesn’t have to be stressful or confusing. I will walk you through every step, ensuring that you understand what’s happening and feel confident in the decisions you're making. From selecting a loan program to locking in a rate, I’ll be with you, simplifying the process and making it feel much more manageable.

The first step in the mortgage journey is often pre-qualification, where mortgage brokers determine how much you can afford and what loan programs might be the best fit for your financial picture. Pre-qualification not only gives you a realistic view of your buying power but also makes you a stronger contender when you start house hunting, showing sellers that you’re serious and prepared.

When it comes to finding the right mortgage, there are many options to explore. Are you looking for a conventional loan? Perhaps you’re interested in government-backed options like FHA or VA loans? Maybe you want to explore a USDA loan for a rural property? Each loan type comes with different benefits, requirements, and terms, and I’ll help you sort through these choices to find the best fit. Together, we’ll discuss your down payment capabilities, credit score, debt-to-income ratio, and other factors to ensure you get the most favorable loan terms possible.

But it doesn’t stop at choosing a loan type. Securing the most competitive interest rate is another critical step in the process. Even a slight reduction in your mortgage rate can result in significant long-term savings, reducing your monthly payments and freeing up more cash for other priorities. I closely monitor market trends and will guide you on the best time to lock in a rate, ensuring that you’re making the most of the opportunities available to you.

I also provide guidance on loan terms, helping you decide between a 15-year, 20-year, or 30-year mortgage. Shorter terms often come with lower interest rates and allow you to build equity faster, but they also mean higher monthly payments. Longer terms, on the other hand, provide lower monthly payments, giving you more financial flexibility. We’ll review your financial goals and determine the loan term that aligns with your plans, whether that’s focusing on paying off your home quickly or managing lower payments over time.

Understanding your monthly payments is a vital part of the process, and I’m always happy to crunch the numbers for you. Your monthly mortgage payment isn’t just about the loan principal and interest. It can also include property taxes, homeowner’s insurance, and possibly private mortgage insurance (PMI) if your down payment is less than 20%. I’ll help you break down all these components so you can see the full picture of what you’ll be paying each month, ensuring there are no surprises down the road.

Refinancing is another area where I can assist as a mortgage broker in St. Augustine, FL. If you already own a home and are looking to lower your interest rate, reduce your monthly payments, or tap into your home equity, refinancing might be the right option. I can guide you through the process of assessing whether refinancing makes financial sense for your current situation and help you secure the best terms for your new loan.

Whether you’re just starting out with a pre-qualification or you’re ready to move forward with a rate quote, I’m here to assist you every step of the way. My goal is not just to help you secure a loan but to ensure that the entire process is smooth, stress-free, and, dare I say, enjoyable. By the time we’re done, you might even find that getting a mortgage isn’t as complicated as it seems!

Ready to take the next step? Whether you want to explore your options, get a pre-qualification, or simply have questions, I’m here to help. Let’s connect and find the mortgage solution that’s right for you