Business Details
Trusted Mortgage Broker in Cape Coral, FL
Odom Mortgage, founded by Matt Odom, is a Florida-based mortgage brokerage specializing in personalized loan solutions. With over a decade of experience in the industry, we focus on guiding clients through the complexities of home financing. Our services include bridge loans, FHA, VA, and conventional mortgages, tailored to meet diverse financial situations. We prioritize transparency, offering free prequalification and 24/7 availability to address client needs.Our team's expertise in navigating flood insurance requirements and credit score optimization ensures clients receive comprehensive support. By combining local market knowledge with a commitment to education, we empower clients to make informed decisions. Our track record of successful transactions reflects our dedication to simplifying the mortgage process while maintaining the highest standards of professionalism.
Services
Bridge Loans
VA Mortgages
Conventional Mortgages
FHA Mortgages
USDA Mortgages
Jumbo Mortgages
Highlights and features
- We offer personalized mortgage guidance with 10+ years of local expertise.
- Our team specializes in complex scenarios like flood zone financing and credit optimization.
- 24/7 availability for urgent client questions and support.
- Free prequalification process with no obligation.
- Proven success helping first-time buyers and veterans achieve homeownership.
Associations and certifications
- NMLS 1019481
- NMLS 1755415
What people say
Very knowledgeable
Always available
Patient with first-time buyers
Quick results
Explained everything clearly
Services
Bridge Loans
Our bridge loans provide 11-month financing solutions for homebuyers needing to purchase a new primary residence before selling their current home. This program allows deferred interest payments and no prepayment penalties, offering flexibility for transitional periods. Ideal for clients facing timing challenges in real estate transactions.
VA Mortgages
VA mortgage programs offer qualified veterans 100% financing options with competitive rates. We specialize in guiding military personnel and veterans through the unique benefits and requirements of VA-backed loans, ensuring maximum financial advantage for service members.
FHA Mortgages
FHA loans require as little as 3.5% down payment with flexible credit requirements. Our team assists first-time homebuyers in navigating FHA guidelines, including property condition standards and mortgage insurance considerations for affordable homeownership entry.
Conventional Mortgages
Conventional financing options available for primary residences, investment properties, and second homes. We offer competitive rates for clients with strong credit profiles, including specialized programs for condominiums and multi-unit properties.
USDA Mortgages
100% financing options for eligible properties in designated rural areas. Our USDA loan program provides zero-down payment opportunities with favorable terms, targeting homebuyers in qualifying locations seeking affordable mortgage solutions.
People
Matt Odom
Loan Officer
With 10 years of experience in Cape Coral, Matt Odom specializes in mortgage solutions including bridge loans and first-time homebuyer programs. He offers personalized guidance through complex financing scenarios and maintains 24/7 availability for client support.
Questions
What mortgage services do you offer in Florida?
We provide bridge loans, VA, FHA, conventional, USDA, and jumbo mortgages across Florida with specialized programs for various financial situations.
How does your bridge loan program work?
Our 11-month bridge loans allow purchasing a new home before selling the old one, with deferred interest options and no prepayment penalties.
Do you help first-time homebuyers?
Yes, we specialize in FHA loans and credit-building strategies for first-time buyers with down payment as low as 3.5%.
Can you assist with flood zone financing?
We provide expert guidance on flood insurance requirements, elevation certificates, and LOMA applications for properties in flood zones.
What credit score do I need for a mortgage?
Minimum scores range from 550-620 depending on loan type, with personalized advice available to improve creditworthiness before applying.
Are you available outside regular business hours?
Matt Odom offers 24/7 availability to answer mortgage questions and provide urgent support for homebuying timelines.
