To help you better understand the refinance process, we’ve listed below some of the major milestones in refinancing you home.

Step 1: Define your goals

One of te most important steps before deciding whether or not mortgage refinancing will benefit you is to determine what your objectives are. Is your goal to reduce your monthly payment or pull cash out of your equity for home improvements or debt consolidation? Are you looking to fix your adjustable rate or get rid of mortgage insurance? Once you determine your goals, you can take a look at the various home loan programs available to decide which loan option helps you achieve those goals. Please be sure to visit our Loan Options page to learn about all of the loan programs options that are available..

Step 2: Inquire online or call one of our Licensed Loan Advisors

Once you’ve defined your goals and researched all of the loan options available, you can submit your information online or pick up the phone to speak with one of our mortgage experts. Your Loan Advisor can answer any questions you have about how to refinance, the loan program you’re considering and can make recommendations to ensure your new loan is structured to accomplish your goals. At this point your loan advisor will show you estimated closing costs, monthly payment figures and a complete numbers summary of what your refinance can look like.  We’ll make sure that you understand every detail of your loan program and answer any questions you have before moving forward. When you’re ready, you can apply online or call us at 888-353-1558 to speak with a Licensed Loan Advisor

Step 3: Apply for your loan

You can either (1) Apply Online, (2) call us at (888)353-1558 and a licensed loan advisor will take your loan application over the phone or (3) If you are local to our offices, you can set an appointment and meet with a loan advisor to make application.

Step 4: Receive your forms

A complete set of application forms will be prepared inserting your personal information and transaction numbers. In there will also be all the federally required disclosures like the Good Faith Estimate of Closing Costs and Federal Truth-in-Lending Statement. To expedite things as quickly as possible the application forms will be sent to you via email. The email will contain application forms for you to sign and a checklist of items we’ll need to secure your loan approval. Typically this includes documents relating to your income and asset accounts like W-2 forms, recent paycheck stubs, and bank statements. Return your documents and the process continues to move quickly.

Step 5: We’ll handle it from here

Your loan file will be submitted to the underwriter for review and formal approval. There is no application fee but at this point you will be paying for your property appraisal using a credit card or even a bank debit card. We’ll order the appraisal from a licensed appraiser who is familiar with home values in your area. Title insurance will be necessary, and we’ll take care of ordering the title work for you. We’ll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents. Your assigned Loan Advisor will keep you informed every step of the way via telephone or e-mail

Step 6: Close your loan

After we receive your appraisal, title work and loan approval, we’ll contact you to schedule your loan document signing appointment. This appointment will generally take 30 minutes to an hour and can be done at the convenience of your home, office or approved settlement location. A few days before closing your Loan Advisor will contact you to walk through the final information so that there won’t be any surprises at closing.

That’s all there is to it! Apply Now you will be on your way to the most convenient home loan ever!

Why talk to one of our Licensed Loan Advisors??

Talking to a Licensed Loan Advisor is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

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This is the second house we've bough with Michael's help and he made it a painless process yet again. He is always on top of all of the paperwork needed to buy a house, it made it so easy on us. He is professional and such a pleasure to work with.

Erin Fromm Plantation, FL

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Michael is very professional and knowledgeable. We were extremely lucky to have him help us, not once, but twice on with our mortgages. He knows what he is doing and he gets the job done well before deadline! We never need to worry about anything with his help!

Chloe Yang Weston FL

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Mike Minkoff did an outstanding job with my two refinances at the same time! I asked many questions and came up with multiple scenarios and Mike was more than happy to answer everything. He went above and beyond and he knows his stuff.
I would suggest using him again without hesitation.

Peter Amendola Key Largo, FL

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I can honestly say Michael Minkoff made my first home buying experience a very pleasant one. From our first conversation he explained each and every option that was available to me and I never felt pressured into any decision. My phone call and email communications were handled in a professional and timely manner. All in all I really couldn't imagine my home buying process being any easier. Even now that the deal is done I would still feel 100% comfortable calling Michael with any questions. He extended his expertise beyond the scope of the business deal and I look forward to contacting Michael for my next home purchase. Thanks for everything Michael! Our hats off to you!!

Max Gonzalez Miramar, FL

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5 stars , great very smooth process.

Shelley Fromm Plantation, Fl

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When I purchased my home last summer, it was the first time I would do so on my own. I had minimal experience with the paperwork and the overall process. The patience extended to me by Michael Minkoff was truly amazing. He walked me through every step of the way. He was knowledgeable, professional, and downright kind. I was and I am very grateful to him for his assistance. I wholeheartedly recommend Mr. Minkoff. Anybody who does business with him will not regret the choice. There are many companies out there, but the knowledge and service extended by Mr. Minkoff by far exceeds the others in the same industry.

Mercy Jacobson Plantation, Florida

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I worked with Michael to buy a home in Miami. From my first interaction with Michael to the last moment of the closing, Michael was extraordinarily responsive, attentive and kind. Michael is the consummate professional. He is incredibly patient and knowledgeable about the entire real estate industry. I give him my highest recommendation and would not hesitate to use him again in the future.

Judi Haberkorn Miami, FL

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We were looking at so many options for our Refi – 15  Year vs. 30 Year, combining two mortgages into one. We tried working with our bank, but became very frustrated at the inflexibility. We decide to talk to Michael because he had helped us so much with our first mortgage almost 10 years ago. Michael gave us the pros and cons of every option we discussed, and was always  open to running multiple scenarios for us. When we  finally chose the right financing plan for our needs, Michael guided us through every step of the way.

Henry Jost Fort Myers, FL

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Michael went above and beyond to communicate and help us through this process. Everything Michael told us was accurate and there were no surprises. I will never use anyone else when financing another property in the future! Thank you Mike!

Andrew G. Saint Pete, FL

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Michael Minkoff was great. He worked through all the different ways we could structure our loan and helped us find the one that was absolutely best for our situation. I really appreciated how quick he was to respond to us throughout the process and yet I never felt rushed, as he made sure we understood everything happening throughout the process. I have been and will continue to recommended him to others I know looking for a mortgage.

Berry Long Longwood, FL

ApplyOnline

Here are 3 Great Choices to get you moving in the right direction

        

To help you better understand the refinance process, we’ve listed below some of the major milestones in refinancing you home.

Step 1: Define your goals

One of te most important steps before deciding whether or not mortgage refinancing will benefit you is to determine what your objectives are. Is your goal to reduce your monthly payment or pull cash out of your equity for home improvements or debt consolidation? Are you looking to fix your adjustable rate or get rid of mortgage insurance? Once you determine your goals, you can take a look at the various home loan programs available to decide which loan option helps you achieve those goals. Please be sure to visit our Loan Options page to learn about all of the loan programs options that are available..

Step 2: Inquire online or call one of our Licensed Loan Advisors

Once you’ve defined your goals and researched all of the loan options available, you can submit your information online or pick up the phone to speak with one of our mortgage experts. Your Loan Advisor can answer any questions you have about how to refinance, the loan program you’re considering and can make recommendations to ensure your new loan is structured to accomplish your goals. At this point your loan advisor will show you estimated closing costs, monthly payment figures and a complete numbers summary of what your refinance can look like.  We’ll make sure that you understand every detail of your loan program and answer any questions you have before moving forward. When you’re ready, you can apply online or call us at 888-353-1558 to speak with a Licensed Loan Advisor

Step 3: Apply for your loan

You can either (1) Apply Online, (2) call us at (888)353-1558 and a licensed loan advisor will take your loan application over the phone or (3) If you are local to our offices, you can set an appointment and meet with a loan advisor to make application.

Step 4: Receive your forms

A complete set of application forms will be prepared inserting your personal information and transaction numbers. In there will also be all the federally required disclosures like the Good Faith Estimate of Closing Costs and Federal Truth-in-Lending Statement. To expedite things as quickly as possible the application forms will be sent to you via email. The email will contain application forms for you to sign and a checklist of items we’ll need to secure your loan approval. Typically this includes documents relating to your income and asset accounts like W-2 forms, recent paycheck stubs, and bank statements. Return your documents and the process continues to move quickly.

Step 5: We’ll handle it from here

Your loan file will be submitted to the underwriter for review and formal approval. There is no application fee but at this point you will be paying for your property appraisal using a credit card or even a bank debit card. We’ll order the appraisal from a licensed appraiser who is familiar with home values in your area. Title insurance will be necessary, and we’ll take care of ordering the title work for you. We’ll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents. Your assigned Loan Advisor will keep you informed every step of the way via telephone or e-mail

Step 6: Close your loan

After we receive your appraisal, title work and loan approval, we’ll contact you to schedule your loan document signing appointment. This appointment will generally take 30 minutes to an hour and can be done at the convenience of your home, office or approved settlement location. A few days before closing your Loan Advisor will contact you to walk through the final information so that there won’t be any surprises at closing.

That’s all there is to it! Apply Now you will be on your way to the most convenient home loan ever!

Why talk to one of our Licensed Loan Advisors??

Talking to a Licensed Loan Advisor is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

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I have used Mike at Shoreline many times. I keep going back because there is noone better to work with. I have used others but they simply cannot touch the personalized and professional service that Mike and Shoreline provide. I am a client for life.

David Templer North Miami Beach

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Working with Michael was the best decision we made. He was helpful and informative through the entire process. There were nights that he was up sending me emails about how to quickly repair my credit score, while most people would be sleeping. His dedication to customer service and finding the best mortgage to fit his clients needs is exactly why we will be calling Michael the next time we are purchasing a house.

David Long Orlando, FL

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I have dealt with Michael Minkoff in the past. And I found him to be every professional, honest and very forthcoming. This is my third opportunity to have dealt with him on the purchase of Homes and condominiums. And Michael has never disappointed me in any way, during the procedures and purchases of any properties. Over the years I have thought of Michael as more of a friend than a business acquaintance. Michael performs his task over and above its competitors with ease. You guys have a real gem on your hands... Michael Minkoff THE BEST definitely 5 stars.

David Clopton 190 escambi lane Cocoa Beach Florida 32931

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Our good friend recommended Michael and he helped us to secure a mortgage on our second house in Miramar, FL. We closed our house right on time without any delays. Michael took care of every single detail in the loan approval process and explained very clearly about the different options that was available to us. He guided us in such a professional manner that we didn’t have to worry about anything. He was very prompt and kept us updated throughout the process which went very smoothly. It was a pleasure to work with him and will highly recommend him to our friends too. Thank you Michael!

Kumar Senthil Miramar, FL

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Michael Minkoff and Shoreline Mortgage proved to be honest, efficient, motivated, knowledgeable and gave us a great rate with a timely closing. I will definitely use their services again and can say that I am completely happy with their services. I was referred to them by a friend and now am happy to pass on my wonderful experiences with others!

Dr. Phyllis Hart Land O Lakes Florida

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Mike Minkoff did an outstanding job with my two refinances at the same time! I asked many questions and came up with multiple scenarios and Mike was more than happy to answer everything. He went above and beyond and he knows his stuff.
I would suggest using him again without hesitation.

Peter Amendola Key Largo, FL

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Michael went above and beyond to communicate and help us through this process. Everything Michael told us was accurate and there were no surprises. I will never use anyone else when financing another property in the future! Thank you Mike!

Andrew G. Saint Pete, FL

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We were looking at so many options for our Refi – 15  Year vs. 30 Year, combining two mortgages into one. We tried working with our bank, but became very frustrated at the inflexibility. We decide to talk to Michael because he had helped us so much with our first mortgage almost 10 years ago. Michael gave us the pros and cons of every option we discussed, and was always  open to running multiple scenarios for us. When we  finally chose the right financing plan for our needs, Michael guided us through every step of the way.

Henry Jost Fort Myers, FL

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Michael Minkoff was great. He worked through all the different ways we could structure our loan and helped us find the one that was absolutely best for our situation. I really appreciated how quick he was to respond to us throughout the process and yet I never felt rushed, as he made sure we understood everything happening throughout the process. I have been and will continue to recommended him to others I know looking for a mortgage.

Berry Long Longwood, FL

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It was our first time to buy a house. I have zero experiment, Michael Minkoff did all paperwork for us. It was a painless experience, we are so luck to meet you, Michael! Thank you!

Lixin Wan 8509 parrots landing dr. Tampa FL 33647

Here are 3 Great Choices to get you moving in the right direction