Financial Planner

  • 3.5% Down payment required
  • Transferable Appraisals
  • No Risk Factor Pricing
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Fannie Mae & Freddie Mac (Conventional)

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Private Equity / Portfolio

  • Investors Welcome
  • Fast Closings
  • Credit Score Not Considered
  • Jumbo’s OK

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VA

100% LOAN TO VALUE RATIO CASH OUT REFINANCES NO MORTGAGE INSURANCE

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Mortgages Coral Springs

Transparency and Trust has been our business model since 1996. Our client’s interests always come first. It has been our experience upon putting those interests first, our own success will follow.

  • Commercial
  • 96.5 Financing
  • Seller and Lender Concessions for Closing Costs
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nmls

Verified Financial Services Provider
NMLS# 223104

Articles By Scott Osher

KEY

Are We Closing Tomorrow?

The moving truck is in the driveway and the call comes in…You’re not closing tomorrow. Dead silence followed by internal rage. How did this happen? Who is responsible? Why am I finding this out now?

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KEY1

But My Neighbor Got….

“But my neighbor got 2%!” No they didn’t; really, they didn’t. Bankers and brokers do not make “interest rates”, besides the macro economics of it, the individual does.

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corporate

Consumer Protection Financial Bureau (CPFB)

The Consumer Protection Financial Bureau (CPFB) is an agency designed to protect consumers by regulating certain aspects of lending, from credit cards, to mortgages.

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pen

CFPB Pushes For Elimination Of ‘GSE Patch

Anyone that is a client of the firm knows from following me that there is a hard deadline coming down the pike that will have a tremendous affect on consumers ability to purchase or refinance their homes.

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What Our Client Say

September 18, 2023

Thanks to you and to Scott for all the hard work was for making this another smooth transaction for Paola and I. Have a great evening.

Regards,

Danny R

Client

July 19, 2023
I recently had the pleasure of working with Kelly Ardito and her amazing team during my home buying journey.

From the very beginning, Kelly displayed an exceptional level of expertise and professionalism. She took the time to understand my unique financial situation and specific needs, which immediately put me at ease. Throughout the entire process, she demonstrated an unparalleled commitment to finding the best solutions for me, and she never hesitated to provide valuable insights and advice to make informed decisions.

One of the things that truly impressed me was Kelly's responsiveness. No matter the time of day or day of the week, she was always available to answer my calls and texts. Even during after-hours and weekends, Kelly and her team were there to provide the support I needed, showing their unwavering dedication to their clients. This level of accessibility and attentiveness made me feel like a top priority, and it greatly reduced the stress that can often come with such an important financial decision.

Kelly's ability to navigate through the complexities of the lending process was nothing short of remarkable. She effortlessly guided me through each step, making sure I understood every detail along the way.

I must also commend Kelly's team, who worked tirelessly alongside her. Their collective efforts and seamless coordination ensured that nothing fell through the cracks, and they demonstrated a level of professionalism that is rare to find in the industry. They took me to the finish line with unmatched determination.

If you are in need of a loan officer who genuinely cares about her clients, is highly knowledgeable, and is willing to go the extra mile, look no further than Kelly and her team. They have set the bar high for excellence in their field, and I wholeheartedly recommend them to anyone seeking mortgage assistance.

Thank you, Kelly, for your exceptional service.

R. Maldonado

Client
Kelly and Scott, we truly do appreciate all your time and patience! I can't say thank you enough. 
Jorge, we also want to thank you again for the recommendation. 
 
We are eternally grateful. 
 
Appreciate it! 
 
With love, 

Sabrina P & Yoel R

Client
I just got the good news on our family closing, Yoel and Sabrina! You guys have helped a lot of people I've sent to you, including myself. This one is extra special, because they have been in the hunt for a while.
I will always continue to trust you guys for all our mortgage needs !
I look forward to the year closing with a bang! Hope you guys are safe from the near miss hurricane !
Cheers to everyone !

Jorge A

Client
It is my pleasure, Scott! Thank you for your expertise and professionalism in assisting my clients! Best Regards,

Pam D – D’Angelo Realty Group

Thank you for reaching out. That is very much appreciated. Ms. Kelly Ardito did a great job! She explained everything in multiple ways to help me fully understand the information I was asking about and answers that she had given me.
She did also explain different scenarios dealing with rates, mortgages, closing cost, taxes, including the many ways to purchase homes through real estate agency's or private property owner's and much more. She also followed up with emails involving any home inquiries, purchasing, and how it all breaks down in the end. She also informed me I was able to call morning to night if I had further questions. Very pleased with your representative Kelly Ardito. Patient, professional, understanding, information given with clarity to reduce any confusion or concerns, and happy to answer any and all questions I had. Overall satisfaction scaling 1-10, I would give her a 10 out of 10 for being simply awesome at her job!

Joseph N

Client
Thank you so much for everything Kelly! You have been so amazing to us through this whole process! You’re simply the best.
Katie L.

Katie L.

Client
Hi Scott and Kelly, This weekend I ran into Jonathan the guys I referred who are buying the Wilton manors triplex you are helping. He could not stop saying how lucky he is to have met you guys. I appreciate everything you both do and it truly shows from the praises you receive from all of your clients.

Danny

Client
I just wanted to thank you both for all of your hard work you put in to make this possible for me! I’m beyond grateful for everything you have done! Thank you!!! 🥰🥰

Patty S

Client
Kelly and Scott, We are closed and funded. Thank you both for your exemplary effort to push this through when we needed it most. Have a wonderful weekend. Adam H.

Adam H

Client
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