Start a conversation with a licensed loan specialist
- A licensed loan specialist will call you right away and give you a rate quote based on your needs.
- We offer low rates with no points on Refinances and New Home Loans.
- You can apply online or over the phone after receiving your rate using our easy application process.
Thank you for submitting your information!
A Leading Mortgage Lender in Florida
When searching for a reliable mortgage lender in Florida, look no further than J.G. Wentworth. For over two decades, J.G. Wentworth has been a trusted name in home lending and home refinancing in Florida and nationwide. As a direct lender, we are able to offer you timely loan turnaround times. Plus, our hands-on, responsive customer service ensures that you’ll have a positive experience when you work with us. We are proud to provide you with a multitude of home loan products that can help you achieve your financial goals and invest in your future.
Home Lending Services
Whether you are a first-time homebuyer or a veteran with an existing mortgage, J.G. Wentworth provides a number of home loan and refinance options in Florida for you to choose from.
Fixed-rate mortgages are available in 15-year or 30-year terms. This type of loan has interest rates that are fixed and do not rise or fall throughout the life of the loan, allowing you to lock in a lower rate now. Mortgage payments remain the same from month to month, which makes this a popular loan option for borrowers that value consistency and predictable payments.
If you do not plan to remain in your home for an extended period of time, adjustable-rate mortgages (ARMs) can provide you with the flexibility you need. Monthly payments begin at a low-interest rate, and after an initial fixed period, the interest rate will adjust on a pre-determined basis based on market conditions. An adjustable rate mortgage is also a viable option if you think that interest rates may dip lower in the future.
Federal Housing Administration (FHA) loans let homebuyers with low to moderate income borrow up to 96.5% of a home’s value. If you are a borrower that meets the FHA loan qualifications in Florida, you will be able to make a low down payment of approximately 3.5% of the value of your home. FHA financing is an ideal option for first-time homebuyers in Florida who may not have considerable savings. FHA loans can also provide the opportunity for you to repair or renovate your Florida home.
The United States Department of Agriculture, or USDA, provides loans to homebuyers with moderate incomes that want to purchase a home in a rural or suburban area. Dependant upon the appraisal of the home, the USDA may finance up to 100% of the value of the home, without the need for a down payment.
VA Loans and Refinancing
Veterans, active military members, and their families can receive home loans for purchasing or refinancing through the Department of Veterans Affairs (VA) Loan Program. J.G. Wentworth is an approved VA lender who provides borrowers with loans offering rates that are lower on average than many other home loan types. Veterans in Florida can often purchase their home without making a down payment.
Home Affordable Refinance Program, known as HARP, is a federal government program that helps homeowners refinance even if they possess little to no equity in their homes. Through a HARP refinance, you can reduce your interest rate, subsequently lowering your monthly payments.
A cash-out refinance can help you meet your future goals by tapping into your home’s equity and getting “cash-out.” As a trusted mortgage lender in Florida, J.G. Wentworth can help you refinance and get you the cash you need to accomplish whatever goal you have in mind, whether it’s completing renovations on your home or funding an education.
More Than Just Another Mortgage Company Serving Florida
J.G. Wentworth is a direct mortgage lender that provides comprehensive resources to assist in facilitating home loans and home refinancing in Florida. Our use of innovative technology allows for a streamlined application process, making it faster and easier to get the home loan you need. Our knowledgeable home loan experts will walk you through every step of your journey, whether you’re buying a home for the first time or refinancing a vacation home.
To us, you are not just a name or number on a screen. We treat you with respect and provide a high level of customer service. With a manual underwriting and approval process, we are able to see every piece of your financial situation and apply it to the big picture. By personally connecting with our home loan specialists, we are able to get you quick preapprovals and help you reach your goal of closing a home on time.
Our decades of experience within the home lending industry have been proven time and time again. With the highest A+ rating from the Better Business Bureau (BBB) and award-winning customer service, we continue to prove our worth to our customers.
Get a Free Quote Today
In a matter of minutes, you can get a rate quote from J.G. Wentworth, a leading mortgage company in Florida. Getting a quote is free and requires no personal information. Whether you are a family looking to refinance or a veteran searching for a home loan in Florida, our loan specialists can help you choose the right mortgage or refinancing option to fit into your lifestyle.
Contact us today and speak to one of our knowledgeable home lending specialists to learn more about J.G. Wentworth’s home loan services.