Dedicated to Excellence and Connection

Our Services

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

First-Time Home Buyers

We provide tailored guidance and support for first-time homebuyers, helping you navigate the process and secure the best financing options available.

Seasoned Homeowners

For seasoned homeowners, we offer refinancing solutions that can help lower your monthly payments, access equity, or adjust your loan terms to better fit your financial goals.

Home Refinance

Our home refinance services are designed to help you take advantage of lower interest rates or change your loan structure, ultimately saving you money and enhancing your financial flexibility.

Mortgage Calculation

We provide mortgage calculation tools to help you understand payments, interest rates, and loan terms, empowering you to make informed financing decisions.

Investors

We specialize in financing options for real estate investors, offering competitive loans that cater to your unique needs and help you grow your property portfolio.

Realtor Loans

Our realtor loan programs provide real estate professionals with the financial resources they need to invest in properties and expand their business opportunities.

Dedicated to Excellence and Connection

Why Choose a Mortgage Broker?

As a mortgage broker, I work on your behalf - not the bank’s. This means I can shop multiple lenders to find you the best loan options and rates tailored to your individual needs.

I’m not tied to one institution, so I have the flexibility to offer you a broader range of mortgage products, whether you’re a first-time homebuyer, refinancing, or looking for investment property financing.

20 Years

MORTGAGE EXPERIENCE

$130B

LOAN VOLUME

99%

SUCCESS RATE

2

STATES LICENSED

(Florida and Georgia)

Who you work with Matters!

We set the standard for online mortgage lending

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.


We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

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Innovation

Fresh, creative solutions.

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Integrity

Honesty and transparency.

Excellence

Excellence

Top-notch services.

Home Loan Options

Home Loan Options

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

Conventional Loan

A conventional loan is a popular mortgage option for homebuyers seeking flexibility and competitive terms. Unlike government-backed loans, it’s offered by private lenders and meets the guidelines of Fannie Mae and Freddie Mac. With benefits like lower interest rates for good credit, customizable repayment terms, and the ability to avoid private mortgage insurance (PMI) with a 20% down payment, conventional loans suit a variety of needs, from primary homes to investment properties. Ideal for borrowers with solid credit and stable finances, it’s a great choice for achieving homeownership.

Jumbo Loan

A Jumbo Loan is a specialized mortgage designed for borrowers seeking to finance high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Ideal for luxury homes or properties in competitive markets, jumbo loans offer flexible financing options but often require a strong credit profile, higher down payments, and sufficient cash reserves. With competitive rates and tailored solutions, a jumbo loan can make your dream of owning a premium property a reality. Reach out today to explore your jumbo loan options!

VA Loan

A VA Loan is a powerful benefit available to eligible veterans, active-duty service members, and their families, offering a path to affordable homeownership. Backed by the U.S. Department of Veterans Affairs, VA Loans provide significant advantages, including no down payment, competitive interest rates, no private mortgage insurance (PMI), and flexible credit requirements. This program is designed to honor those who have served by making the dream of owning a home attainable and stress-free. Whether you're buying your first home or refinancing, a VA Loan can be a life-changing opportunity for those who qualify.

Debt Service Coverage Ratio (DSCR) Loan

A Debt Service Coverage Ratio (DSCR) loan is a financing option for real estate investors, evaluating a property's income relative to its debt obligations. Unlike traditional loans, DSCR loans focus on rental income rather than personal income or credit scores, making them ideal for acquiring, refinancing, or expanding real estate portfolios. This approach helps investors make informed decisions by prioritizing a property’s cash flow potential.

Reverse mortgage Loan

A reverse mortgage allows homeowners aged 62 and older to access their home's equity without monthly payments. Instead of making payments to a lender, homeowners receive funds based on their home’s value, which can be used for retirement income, healthcare, or home improvements. The loan is repaid when the home is sold, the homeowner moves out, or passes away. This option provides financial flexibility for seniors, helping them enjoy their homes while supporting their retirement lifestyle.

Our Mission

Positively Impacting Lives

Karen Giannini’s mission, is at the heart of everything she does as a licensed mortgage broker. With a passion for helping individuals and families achieve their dreams of homeownership, Karen approaches her work with dedication, empathy, and an unwavering commitment to excellence.

A Mission Rooted in Care

For Karen, being a mortgage broker is more than just crunching numbers—it’s about transforming lives. Whether it’s a first-time buyer embarking on the exciting journey of purchasing their first home, a growing family in need of more space, or an individual seeking to refinance and achieve financial stability, Karen ensures each client feels supported every step of the way.

Expertise You Can Trust

Karen leverages her deep knowledge of the mortgage industry to provide tailored solutions that meet each client’s unique needs. From navigating complex financial situations to securing competitive rates, Karen simplifies the process, empowering her clients to make informed decisions with confidence.

Building Lasting Relationships

Karen believes that trust and communication are the foundations of a positive mortgage experience. She takes the time to listen to her clients’ goals, answer their questions, and address any concerns. By building strong relationships, Karen creates a seamless process that leaves a lasting impact.

More Than a Transaction

For Karen, every loan represents an opportunity to make a difference. Her mission goes beyond the paperwork—she aims to create a ripple effect of positive change by enabling financial security, fostering homeownership, and helping her clients achieve their dreams.

Let’s Positively Impact Your Life

Karen Giannini is here to guide you through your mortgage journey with expertise, compassion, and a personalized approach. If you’re ready to take the next step toward achieving your homeownership or financial goals, let Karen help you turn your dreams into reality while positively impacting your life.

Reach out today to work with a mortgage broker who is as invested in your success as you are!

Why Choose us

The key benefits of working with me as your mortgage broker include

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

1

More Choices, Better Rates

Access to a wide variety of lenders and loan products, ensuring you get the best terms available.

2

Personalized Service

I take the time to understand your unique financial situation and guide you through every step of the process.

3

No Hidden Fees

I offer transparent pricing with no surprises - just straightforward advice and excellent customer service.

4

Speed and Efficiency

I have the tools and relationships to expedite your application process, helping you close on time.

advantages

The Advantage of Having Both Licenses

As both a licensed realtor and mortgage broker, I bring an unparalleled understanding of both the home buying and financing processes. This dual expertise allows me to:

Simplify the Home Buying Experience

With knowledge of both real estate and lending, I can help you navigate every aspect of your home purchase, from finding your dream home to securing the right financing.

Save You Time and Money

I can streamline the process by working directly with you on both the home search and the mortgage application - no need to coordinate between separate agents and lenders.

Provide Expert Advice

Whether you’re unsure about which loan type best suits your needs or have questions about the local housing market, I can offer sound, informed guidance every step of the way.

Let's Get Started

Whether you're buying, selling, or refinancing, I’m here to ensure you have a smooth and successful experience. With my full-time commitment to real estate and expertise as a mortgage broker, you can trust that your best interests are my top priority.

I look forward to helping you achieve your homeownership goals!

We’ve Got Answers

Frequently Asked Questions

As both a licensed realtor and mortgage broker, I bring an unparalleled understanding of both the home buying and financing processes. This dual expertise allows me to:

What types of mortgages do you offer?

We offer a variety of mortgage options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans,  jumbo loans and NonQm, and DSCR loans. I will help you find the best option based on your financial situation and goals.

How do I know how much I can borrow?

Your borrowing capacity depends on several factors, including your credit score, income, debt-to-income ratio, and the type of loan you choose. We recommend using our mortgage calculator for a preliminary estimate, I am here to help you understand your options.

What is a pre-approval, and why do I need one?

A pre-approval is a lender's commitment to give you a loan up to a certain amount, based on your financial information. Having a pre-approval can strengthen your position when making an offer on a home, as it shows sellers that you are a serious buyer.

What documents do I need to provide for the mortgage application?

Typically, you will need to provide proof of income (like pay stubs or tax returns), bank statements, credit history, and identification. Our team will provide you with a detailed list based on your specific situation.

How long does the mortgage approval process take?

The timeline can vary based on several factors, including the type of loan and the complexity of your financial situation. On average, the mortgage approval process takes around 30 to 45 days, but I strive to expedite the process wherever possible.

What are closing costs, and how much should I expect to pay?

Closing costs are the fees associated with finalizing your mortgage, including appraisal fees, title insurance, and attorney fees. They typically range from 2% to 5% of the loan amount. We’ll provide you with a detailed estimate of these costs during the loan process.

Can I refinance my mortgage?

Yes! Refinancing can be a great way to lower your interest rate, reduce monthly payments, or access equity in your home. I can help you evaluate whether refinancing is the right choice for you.

What happens if I miss a mortgage payment?

If you miss a payment, it’s important to reach out to us immediately. We can discuss your options, which may include setting up a payment plan or exploring other solutions to prevent foreclosure.

How can I improve my credit score before applying for a mortgage?

To improve your credit score, pay down existing debt, make payments on time, and avoid new credit inquiries. I will provide personalized tips based on your financial profile.

How do I get started?

Getting started is easy! Simply contact us through this website or give us a call to schedule a consultation with me. I am here to guide you through every step of the process.