You are my #1 priority. I’m here to answer any questions you may have about the mortgage process or specialty products. If you’re ready to start the process, click Apply Now. If you want to ask me question, fill out the Contact Me form below.
You are my #1 priority. I’m here to answer any questions you may have about the mortgage process or specialty products. If you’re ready to start the process, click Apply Now. If you want to ask me question, fill out the Contact Me form below.
You are my #1 priority. I’m here to answer any questions you may have about the mortgage process or specialty products. If you’re ready to start the process, click Apply Now. If you want to ask me question, fill out the Contact Me form below.
About
About
Welcome to askyourloanofficer.com!
I’m Derick Brown.
As a mortgage professional, I understand purchasing a home can be a life-changing, but often complex and tedious event. This is why our mission, at The Mortgage Firm, is to keep things simple and easy, getting you the right loan that works for you—not the other way around. The process, which we call “Closing Simplified,” involves automatic updates, continual status reports, and no surprises! With my experience, I can assure you that the entire process will be smooth and simple, whether you’re a real estate professional, builder, or individual home buyer. If you’d like a simplified process for financing your home, I can help. With one call, you will be one step closer to your new home.
About
Welcome to askyourloanofficer.com!
I’m Derick Brown.
As a mortgage professional, I understand purchasing a home can be a life-changing, but often complex and tedious event. This is why our mission, at The Mortgage Firm, is to keep things simple and easy, getting you the right loan that works for you—not the other way around. The process, which we call “Closing Simplified,” involves automatic updates, continual status reports, and no surprises! With my experience, I can assure you that the entire process will be smooth and simple, whether you’re a real estate professional, builder, or individual home buyer. If you’d like a simplified process for financing your home, I can help. With one call, you will be one step closer to your new home.
Send me an email message any time of day to derick.brown@tmf.mortgage
Call me directly on my cell
Cell: 407.790.9632
Fax: 386-309-2358
138 S Charles Richard Beall Boulevard
Debary, FL 32713
Send me an email message any time of day to derick.brown@tmf.mortgage
Call me directly on my cell
Cell: 407.790.9632
Fax: 386-309-2358
138 S Charles Richard Beall Boulevard
Debary, FL 32713
Send me an email message any time of day to derick.brown@tmf.mortgage
Call me directly on my cell
Cell: 407.790.9632
Fax: 386-309-2358
138 S Charles Richard Beall Boulevard
Debary, FL 32713
Let’s Get Started
Ready to purchase the home of your dreams?
How to Apply
1. Click “Apply Now”
2. Create a log in and password
3. Please write it down as you will likely need it again later
4. Answer the questions to the best of your ability
5. We will go over everything once you submit your application
How to Apply
1. Click “Apply Now”
2. Create a log in and password
3. Please write it down as you will likely need it again later
4. Answer the questions to the best of your ability
5. We will go over everything once you submit your application
We Offer
Better Financing Solutions
areas
No mortgage insurance with 20%
down
Down payment requirements as low
as 3%
Mortgage insurance can be cancelled
with enough equity
Construction loan options
their spouses
No down payment and no monthly
mortgage insurance required
Credit scores as low as 580
With enough eligibility, VA benefits
can be used multiple times
Credit scores as low as 580
3.5% down payment required (even
on multifamily properties)
Down payment assistance options
available
Loan amounts up to $420,680 in most
areas (single family)
Very low mortgage insurance costs
Area restricted
Income limits
Loan amounts as high as income will
allow
higher for other areas
Different down payment
requirements
Different credit score requirements
Conventional Loans
most areas
No mortgage insurance with 20%
down
Down payment requirements as
low as 3%
Mortgage insurance can be
cancelled with enough equity
Construction loan options
Veteran’s Affairs Loans
and their spouses
No down payment and no monthly
mortgage insurance required
Credit scores as low as 580
With enough eligibility, VA benefits
can be used multiple times
FHA Loans
Credit scores as low as 580
3.5% down payment required (even
on multifamily properties)
Down payment assistance options
available
Loan amounts up to $420,680 in
most areas (single family)
USDA Loans
Very low mortgage insurance costs
Area restricted
Income limits
Loan amounts as high as income
will allow
Conventional Loans
in most areas
No mortgage insurance with
20% down
Down payment requirements
as low as 3%
Mortgage insurance can be
cancelled with enough equity
Construction loan options
Veteran’s Affairs Loans
veterans, and their spouses
No down payment and no
monthly mortgage insurance
required
Credit scores as low as 580
With enough eligibility, VA
benefits can be used multiple
times
FHA Loans
Credit scores as low as 580
3.5% down payment required
(even on multifamily
properties)
Down payment assistance
options available
Loan amounts up to $420,680
in most areas (single family)
USDA Loans
Very low mortgage insurance
costs
Area restricted
Income limits
Loan amounts as high as
income will allow
Attention!
Teachers, Law Enforcement Officers, Firefighters, Nurses, Veterans and many others
- First Time Homebuyer (Veterans/Active Military Exempt)
- You must be actively licensed/certified in one of the approved occupations or an approved Veteran/Active Duty Status
- Income and Purchase Price Limits
- Credit Score Requirements
- Eligible Occupations Requirements
- Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance.
Teachers, Law Enforcement Officers, Firefighters, Nurses, Veterans and many others
- First Time Homebuyer (Veterans/Active Military Exempt)
- You must be actively licensed/certified in one of the approved occupations or an approved Veteran/Active Duty Status
- Income and Purchase Price Limits
- Credit Score Requirements
- Eligible Occupations Requirements
- Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance.
Derick Brown
Mortgage Loan OriginatorNMLS ID: 1640146
C: 407.790.9632
P: 386.516.6091
F: 386.309.2358
Email Derick
Derick Brown
Mortgage Loan OriginatorNMLS ID: 1640146
C: 407.790.9632
P: 386.516.6091
F: 386.309.2358
Email Derick
Derick Brown
Mortgage Loan Originator
NMLS ID: 1640146
C: 407.790.9632
P: 386.516.6091
F: 386.309.2358
Email Derick
Our Process
We do more legwork up-front to make the process smoother for you.
The first step in the mortgage process is to get preapproved. It is our initial job to gather from you your credit, income, and asset paperwork in order to place you in the best mortgage product.
After you have found the home of your dreams and a seller to accept your offer, it is our job to put together the formal loan paperwork to include all your information provided during the preapproval process along with the specifics of your sales contract.
Our highly organized and efficient processors will work with you to prepare your loan to be approved by our underwriting department. They have a tough job with the scrutiny they are under and the paperwork required, but keep in mind their ultimate goal is to make you look as good as possible to our underwriting department.
An underwriter is ultimately the one who approves your loan. They have a lot of boxes to check when it comes to your finances and the property itself.
When the underwriter issues to us a clear to close, it is time to prepare for closing. Our closing department balances out for you all your final closing details with a title company attorney’s office.
Our Process
We do more legwork up-front to make the process smoother for you.
The first step in the mortgage process is to get preapproved. It is our initial job to gather from you your credit, income, and asset paperwork in order to place you in the best mortgage product.
After you have found the home of your dreams and a seller to accept your offer, it is our job to put together the formal loan paperwork to include all your information provided during the preapproval process along with the specifics of your sales contract.
Our highly organized and efficient processors will work with you to prepare your loan to be approved by our underwriting department. They have a tough job with the scrutiny they are under and the paperwork required, but keep in mind their ultimate goal is to make you look as good as possible to our underwriting department.
An underwriter is ultimately the one who approves your loan. They have a lot of boxes to check when it comes to your finances and the property itself.
When the underwriter issues to us a clear to close, it is time to prepare for closing. Our closing department balances out for you all your final closing details with a title company attorney’s office.
Let’s Get Started
Ready to purchase the home of your dreams?
How to Apply
1. Click “Apply Now”
2. Create a log in and password
3. Please write it down as you will likely need it again later
4. Answer the questions to the best of your ability
5. We will go over everything once you submit your application
How to Apply
1. Click “Apply Now”
2. Create a log in and password
3. Please write it down as you will likely need it again later
4. Answer the questions to the best of your ability
5. We will go over everything once you submit your application
Frequently Asked Questions
Pre-qualification is based on your provided information, and it helps estimate the amount that you can borrow. A Pre-approval means that your information is evaluated thoroughly. It is a closer estimation of how much you will be approved for.
– Social Security Number
– 2 Years Proof of Employment (If self-employed then please
provide most recent 2 years business tax returns.)
– 2 Most Recent Paystubs
– 2 Most Recent Years of Tax Documents (W-2 statements and
tax returns)
– Bank Account Information (2 Most Recent months of asset
statements – checking, savings, retirement, etc.)
– Credit Information (Provide details of any new accounts or
accounts not currently reporting on your credit report.)
– Monthly Expenses (Housing, etc.)
Yes, you can qualify for a mortgage as long as the seasoning requirements for the specific loan type have been met. This is something you can discuss with me in detail.
Calculators
Helping you plan for your home buying journey.
Payment Amortization
Debt Consolidation
Calculators
Helping you plan for your home buying journey.
Calculators
Helping you plan for your home buying journey.
Testimonials
What My Customers Are Saying
Let’s Get Started
Ready to purchase the home of your dreams?
How to Apply
1. Click “Apply Now”2. Create a log in and password
3. Please write it down as you will likely need it again later
4. Answer the questions to the best of your ability
5. We will go over everything once you submit your application
How to Apply
1. Click “Apply Now”
2. Create a log in and password
3. Please write it down as you will likely need it again later
4. Answer the questions to the best of your ability
5. We will go over everything once you submit your application
Derick Brown
Mortgage Loan OriginatorNMLS ID: 1640146
C: 407.790.9632
P: 386.516.6091
F: 386.309.2358
Email Derick
Derick Brown
Mortgage Loan OriginatorNMLS ID: 1640146
C: 407.790.9632
P: 386.516.6091
F: 386.309.2358
Email Derick
Derick Brown
Mortgage Loan Originator
NMLS ID: 1640146
C: 407.790.9632
P: 386.516.6091
F: 386.309.2358
Email Derick
