Locally owned and operated, we are a full service mortgage broker offering personalized service, specializing in all types of mortgage loans for Single Family Homes, Vacation Homes, Manufactured Homes, Condominium and Townhouses properties in Palm Coast, The Hammocks, Flagler Beach, Ormond Beach, Daytona Beach and all of Florida.

• Conventional Mortgage Loans:
• Primary residence purchase with downpayments as low as 3%, second home and investment property financing. Ideal for Single family homes, Condominiums, Manufactured homes, Multi-family homes up to 4 units. Cash out refinancing up to 80% of total loan to value.

• FHA Loans:
  • Primary residence Purchase with 3.5% down
  • Single family homes or Manufactured homes
  • Loans are made down to a 580 credit score. (Gifts are allowed)
  • Rate-term refinance or cash out refinance up to 85% loan to value

• VA Loans and Refinancing:
  • Primary residence 100% financing
  • No mortgage insurance
  • Rate term or cash out refinance available

• USDA Loans:
  • 100% financing for first time home buyers
  • Must be in USDA eligible area

• FHA Streamline Refinance:
  • FHA to FHA refinance Limited documentation

• HARP Loans:
  • Loans must have closed prior to May 31, 2009 and be owned by Fannie Mae or Freddie Mac

A&B Mortgage: 1 Hargrove Grade A-1G – Palm Coast Florida 32137 Call: 386-439-8253
Florida License Broker (1616439) – (353870) – Loan Officer NMLS # 353870