Business Details
Your Trusted Mortgage Partner in Navarre, FL
Abaca Mortgage is a dedicated mortgage brokerage committed to simplifying the home financing process for clients across Florida, Alabama, and Georgia. With a focus on personalized service, we provide expert guidance through every step of the mortgage journey, from initial consultation to closing. Our team prioritizes transparency, offering no hidden fees and competitive rates tailored to individual financial goals. Specializing in government-backed loans, including VA, FHA, and USDA programs, we serve veterans, first-time homebuyers, and investors with equal dedication. Our streamlined process ensures timely closings, supported by a single point of contact for seamless communication.Backed by years of industry experience and a commitment to ethical lending, we empower clients to make informed decisions while delivering reliable, client-centric solutions. Whether purchasing a primary residence, refinancing, or exploring investment opportunities, our team combines market expertise with personalized attention to meet diverse needs. We pride ourselves on exceeding expectations through clear communication, innovative solutions, and a passion for helping clients achieve homeownership.
Services
VA Loans
FHA Loans
USDA Loans
Conventional Loans
Home Refinance
Government Loans
Mortgage Consultation
Loan Processing
Veteran Home Loans
Investment Property Loans
Highlights and features
- We offer direct access to experienced loan officers via personal cell numbers for seamless communication.
- Our team guarantees timely closings with transparent, no-hidden-fee mortgage solutions.
- Specialized expertise in VA loans with exclusive benefits for veterans and military families.
- We provide 24/7 availability to address client needs throughout the mortgage process.
- Customized loan options tailored to diverse financial situations and homeownership goals.
What people say
Competitive rate terms
Quick replies
Incredibly responsive
Navigates complex parts
Absolute pleasure to work with
Services
VA Loans
VA loans provide 0% down payment options for veterans, active-duty service members, and eligible military spouses. These government-backed mortgages eliminate private mortgage insurance requirements while offering competitive interest rates. Our team specializes in navigating VA loan eligibility, ensuring borrowers maximize benefits like zero lender fees and flexible credit requirements. We guide clients through property eligibility, debt ratio compliance, and certificate of eligibility acquisition to streamline homeownership.
Conventional Loans
Conventional loans cater to homebuyers seeking flexibility for primary residences, second homes, or investment properties. With down payments as low as 3%, these loans suit borrowers with strong credit profiles. We help clients avoid long-term PMI by structuring loans with 20% equity while optimizing debt ratios and reserve requirements. Our experts explain rate trade-offs versus government loans and assist with cash-out refinancing for debt consolidation or home improvements.
Home Refinance
Refinancing services focus on lowering monthly payments, reducing interest rates, or accessing home equity. We evaluate clients' current mortgages to identify savings opportunities through rate-and-term or cash-out refinancing. Our process includes analyzing break-even points for closing costs, explaining PMI implications, and ensuring alignment with financial goals like debt restructuring or home renovation funding.
FHA Loans
FHA loans enable low-down-payment mortgages (3.5%) for borrowers with varied credit histories. Our team explains lifetime PMI requirements while helping clients meet debt ratio thresholds. We specialize in guiding first-time buyers through property eligibility rules, down payment sources, and compensating factors for sub-620 credit scores. Our service ensures compliance with FHA appraisal standards and occupancy requirements.
USDA Loans
USDA loans offer zero-down-payment options for primary residences in eligible rural areas. We verify property eligibility, income limits, and borrower qualifications to facilitate affordable homeownership. Our experts navigate strict USDA underwriting guidelines, including debt-to-income ratio calculations and property condition requirements. We assist clients in understanding PMI structures and maintaining compliance with occupancy and income restrictions.
People
Cinnamon Tyler
Mortgage Loan Originator
NMLS #69310 with extensive experience in VA and conventional loans. Specializes in guiding veterans through zero-down mortgage options while maintaining a 98% client satisfaction rate. Known for rapid response times and transparent communication.
Bob Holderman
Mortgage Loan Originator
NMLS #2151892 offering expertise in FHA and USDA loan programs. Focuses on first-time homebuyers and rural housing initiatives. Maintains deep knowledge of regional market dynamics across Florida and Georgia.
Questions
What loan types do you specialize in?
We specialize in VA, FHA, USDA, and conventional loans, offering tailored solutions for veterans, first-time buyers, and investment property owners.
How long does the mortgage process take?
Our average closing time is 30-45 days, with expedited options available for qualified borrowers needing faster timelines.
Are there hidden fees?
No. We guarantee full transparency with zero hidden fees, providing detailed loan estimates upfront.
Can I qualify with lower credit scores?
Yes. We work with borrowers having minimum 620 scores for most programs, with options available for sub-620 cases requiring compensating factors.
Do you offer refinancing options?
Yes. We provide rate-and-term refinancing to reduce payments and cash-out refinancing for debt consolidation or home improvements.
