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  • Find Your Loan Consultant

  •  APPLY NOW

Loan Consultants

Experience – Expertise – Education – Empathy – the Team Gemma Difference With all the mortgage companies and banks offering home loans, here are a couple of items that make Team Gemma stand out Experience - I've built a successful career as a Loan Officer in the Tampa Bay Area since 1997. I have personally closed thousands of mortgage loans; so I have experienced most situations that could cause closing dilemmas. From first time homebuyers to second home buyers to investors, I've helped with all types of purchases with loan solutions from down payment assistance to construction, renovation lending and jumbo loans; on all types of properties from Single Family Homes, luxury condominiums Townhouses, Duplexes, Triplexes and Fourplexes. Expertise - Since you have specific needs, you can rely on me to share my expertise to help you determine the best home financing strategy. I regularly invest time into learning new programs, gaining approval to offer down payment assistance programs and meeting with other loan officers that offer programs not available to me. I believe it's important to assure my partners and clients are not left searching for a loan program that best meets their needs and goals. Education – I take multiple education classes each month to learn more about options for borrowers and attend classes at the Realtor board to better understand the challenges faced by my agent partners. I regularly meet with my underwriting and processing teams to keep up with changes in our company processes as well as changes in the mortgage market. This up-to-date knowledge allows me to help more borrowers, even those who have experienced a bankruptcy, foreclosure or short sale; and lends to a smooth "no dilemma" mortgage experience. Empathy - What sets me apart from other Loan Consultants is my core belief that each customer has a unique set of short and long term financial and lifestyle goals. It is my job to provide a customized mortgage solution to those goals. I believe that open, honest, and frequent communication is critical to a great home buying experience. I am very aware that my agent partners not only trust me with their income, but also trust me with their professional reputation. Also, my clients are not only trusting me with the financing of their home, but with the hopes and dreams that the home represents. And remember, if you want to avoid a mortgage dilemma, call Team Gemma! #teamgemmamortgage #nodilemmamortgage
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$
years
%
$
/ year
%
$
/ year

Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

$
/ year

Your Monthly Payment

$1,512.46

Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

Educational Block

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What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

Learn More >>
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What is the process

for buying a home?

Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!

Learn More >>
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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

Learn More >>

Loan Consultants

Let’s start this
journey together!

Apply Now
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*Closing cost offer available to customers who apply for a new purchase loan. Only available for single family primary residences and existing Caliber customers. Credit provided at closing. The offer is nontransferable and can only be used by the intended recipient. Advertised discount can only be applied toward payment of closing costs up to a total amount of $1,000 subject to product underwriting guidelines. Any portion of the discount amount not used toward closing costs will be waived.
  
  **A pre-approval does not signify that all underwriting requirements have been met. Actual terms, including interest rate, are subject to change without prior notice and may vary based on eligibility criteria. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Please contact Caliber for additional details.
  
  ***The lock will be honored up to 75 days total. Your rate is protected for up to 30 days to shop for a home. Once you identify a property, your rate will be locked for an additional 45 days. All rate lock extensions are subject to Caliber’s standard rate lock extension fees All rate lock extensions are subject to Caliber’s standard rate lock extension fees. Not available for all loan products. Please contact Caliber for additional details.
  
  ****Caliber agrees to pay the borrower the amount of the earnest money deposit (up to $5,000) following the home loan closing, if the loan does not close on or before the contract closing date due to a delay caused by Caliber. Void if there are any material changes to income or assets. Offer requires 30 business days from Caliber’s receipt of purchase contract to closing date. Other requirements include: Minimum 700 credit score, owner occupied purchase transaction. LTV and property type restrictions may apply. Available only through the Caliber Retail Channel. Payment may be subject to reporting for tax purposes. Please contact Caliber for additional details.

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