Your Local Mortgage Lender
Located in Masaryktown, Florida
Personalized Mortgage Experience
Julia Borst offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Masaryktown, Florida.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Manager vs. Leader: The Difference Between Managing Loan Officers and Developing Leaders
Manager vs. Leader: Why Great Mortgage Teams Need Leaders, Not Just Managers
In the mortgage industry, leadership is often discussed, but not always clearly defined.
Many people assume that being a manager automatically means being a leader.
But they are not the same.
A manager and a leader may have the same title. They may sit in the same meetings, oversee the same team, and have the same responsibilities on paper.
The difference is how they impact the people around them.
A manager focuses on the work.
A leader focuses on the person.
And the difference between the two can determine whether a team simply maintains performance or reaches an entirely new level.
What Does a Manager Do?
Managers play an important role in every organization.
They create structure.
They monitor progress.
They make sure goals are being met.
A manager may focus on:
Production numbers
Pipeline activity
Deadlines
Processes
Performance metrics
In mortgage, this might look like reviewing loan volume, asking about applications, monitoring conversion rates, and making sure the team is moving toward monthly goals.
Those responsibilities matter.
A business cannot succeed without accountability.
But accountability alone does not create growth.
What Does a Leader Do?
A leader looks beyond the numbers.
A leader understands that behind every metric is a person.
They ask different questions:
How can I help this person improve?
What obstacles are preventing them from reaching their potential?
What skills do they need to develop?
How can I support their long-term growth?
A leader does not only manage performance.
They develop people.
They coach.
They challenge.
They encourage.
They create confidence.
The goal is not just better results today.
The goal is creating a stronger person and a stronger team for tomorrow.
Managers Focus on Results. Leaders Build Capability.
One of the biggest differences between managers and leaders is their perspective on success.
A manager may see success as hitting the monthly goal.
A leader sees success as building a team capable of consistently reaching bigger goals.
A manager may ask:
“Why did this file not close?”
A leader may ask:
“What can we learn from this, and how can I help you improve?”
Both conversations are important.
But only one develops the individual.
The Best Mortgage Teams Are Built Through Leadership
The mortgage industry is competitive.
Markets change.
Challenges arise.
Production goals move.
The teams that succeed long-term are not simply the teams with the best systems.
They are the teams with people who know how to adapt, improve, and grow.
That comes from leadership.
A great leader creates an environment where people feel:
Supported
Challenged
Accountable
Valued
When people know their leader is invested in them, they are more likely to invest in themselves.
Are You Managing People or Developing Them?
Every person in a leadership role should ask themselves this question:
Am I only focused on what my team produces?
Or am I focused on who my team is becoming?
The strongest leaders understand that their responsibility is bigger than hitting a number.
They are responsible for developing the people who create those results.
Because a team’s ceiling is often determined by the quality of its leadership.
You Deserve a Leader
Everyone deserves to work with someone who does more than track performance.
Everyone deserves someone who challenges them, believes in them, and helps them grow.
The right leader can change the direction of someone’s career.
And for those in leadership positions, the responsibility is clear:
Do not just manage the work.
Develop the person.
Because the greatest leaders do not simply create successful teams.
They create future leaders.
Sources
Harvard Business Review. Leadership, management, and organizational development research. https://hbr.org/
Gallup. Workplace engagement and leadership research. https://www.gallup.com/workplace/
Center for Creative Leadership. Leadership development research and resources. https://www.ccl.org/
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