Business Details
Your Trusted Mortgage Partner in Englewood, FL
With over 15 years of experience in real estate and mortgage lending, Custom Mortgage is committed to delivering personalized, client-focused solutions tailored to individual financial needs. Our team specializes in navigating complex mortgage processes, offering FHA, USDA, VA, Conventional, and Private Money lending options to suit diverse client circumstances. Built on a foundation of trust and referrals, we prioritize transparency, competitive rates, and low closing costs while maintaining deep expertise in the Englewood, FL market.Our approach combines local market knowledge with a dedication to simplifying the mortgage journey, ensuring clients receive informed guidance and exceptional service from application through closing. Testimonials consistently highlight our ability to transform potentially stressful transactions into seamless experiences through proactive communication and problem-solving.
Services
FHA Loans
USDA Loans
VA Loans
Conventional Loans
Private Money Lending
Highlights and features
- 15+ years of local real estate and mortgage expertise
- Personalized one-on-one service for every client
- Offers FHA, USDA, VA, Conventional, and Private Money loans
- Proven track record of stress-free closings and referrals
- Deep understanding of Englewood, FL market dynamics
Associations and certifications
- NMLS# 845990
What people say
Stress-free process
Personalized assistance
Expert guidance
Highly recommend
Transparent communication
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Ideal for first-time buyers, these federally insured mortgages offer competitive rates and reduced closing costs. Our team specializes in streamlining FHA loan approvals while ensuring clients understand all program benefits and requirements.
VA Loans
VA loans deliver exclusive mortgage benefits for eligible military personnel and veterans, including zero down payment options and no private mortgage insurance. We guide clients through VA-specific documentation and entitlement processes to maximize savings while meeting service members' unique housing needs.
Conventional Loans
Conventional loans suit buyers with strong credit seeking flexible terms outside government programs. Our specialists help clients navigate conforming and jumbo loan options, optimizing rates and structures for long-term financial goals while maintaining strict underwriting standards.
USDA Loans
USDA loans enable zero-down homeownership in eligible rural areas through USDA Rural Development programs. We assist income-qualified buyers with property eligibility assessments and application processes, making affordable financing accessible for qualified applicants in designated markets.
Private Money Lending
Private money lending offers non-traditional solutions for unique financial situations or investment properties. Our network of private lenders provides customized terms for clients who may not qualify through standard channels, with transparent fee structures and clear repayment expectations.
People
Nicole Stiver
Mortgage Loan Specialist
Nicole Stiver, a Florida-licensed Mortgage Loan Originator with 15+ years in real estate, specializes in Englewood market mortgages. Raised locally, she combines regional expertise with personalized service, guiding clients through seamless transactions while balancing family life with her two daughters.
Questions
What loan types do you specialize in?
We offer FHA, USDA, VA, Conventional, and Private Money loans to accommodate diverse financial situations and homeownership goals.
How does your mortgage process work?
Our process begins with a consultation to assess financial goals, followed by pre-approval, document submission, underwriting, and closing support with regular progress updates.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through government programs like FHA and USDA loans with low down payment options.
Can you help with refinance transactions?
We provide both purchase and refinance solutions, including rate-and-term refinances and cash-out options to optimize home equity.
What sets you apart from other lenders?
Our local market expertise, personalized service approach, and 15+ years of experience deliver smoother transactions with fewer complications compared to larger institutions.
