What Clients Ask The Most

Begin your mortgage application by visiting our online pre-approval portal or call us at 904-822-5601 to schedule a personalized consultation.

No, there are no fees to get pre-qualified. A state-licensed Loan Officer will contact you to schedule a no-obligation consultation and discuss your specific needs.

PHILANYA offers various loan products including VA, FHA, USDA, Conventional, Investment Loans, Reverse Mortgages, HELOCs, SBA and Commercial Lending, Bridge Financing, Down Payment Assistance, and Non-QM options.

Instructional consulting (including QuickBooks and IT training) Human performance training Notary and remote online notary services Strategic business planning Check out our schedule to see our online and in-person training.

Yes! Applying online is fast, easy, and secure. Click the "Get Started" button to get a pre-approval in minutes. Ask questions and contact the Broker.

PHILANYA, INC. is headquartered in Saint Augustine, Florida. Our state licensed loan officers are located throughout the State of Florida and serve the entire State.

Mortgage brokers are experts in home financing. Their experience enables them to provide personalized guidance that retail lenders often overlook. Understanding interest rates and loan terms can be complex. A skilled mortgage broker will break down these components and explain everything in plain language. For example, they can help quantify how a 0.5% difference in interest rates can mean thousands of dollars in savings over the life of a 30-year mortgage. Brokers take extra steps to help clients prepare their documentation, which increases the chances of loan approval. This support is invaluable for first-time buyers who may not be familiar with essential paperwork and processes.

Yes! Although the State of Florida is big, our team of Loan Officers are available to meet you where you are. Schedule a meeting by giving us a call: 904-822-5601

No, PHILANYA is not affiliated with any federal government agency.

Eligibility depends on program, location, and borrower profile. Contact us or use our online eligibility checker for details.

Your credit might not be as much of a roadblock as you think. Most borrowers don’t know this, but there isn’t a specific minimum credit score required by any lender to buy a house. Try a Credit Boost.

Yes. We offer specialized programs for first-time buyers, including low down payment options and down payment assistance.

PHILANYA is committed to teaching and training driven individuals. We provide step-by-step guidance to help you succeed. If you are new and not yet licensed, we will guide you through becoming a State Licensed Mortgage Loan Originator. Interested in one of our three-day online boot camps? Learn about our reimbursement options.

While retail lenders may offer ease of access, the extensive benefits provided by mortgage brokers make them an increasingly attractive choice for many homebuyers. With wider loan options, competitive rates, personalized support, and local expertise, mortgage brokers can significantly enhance the homebuying experience. Whether you are a first-time buyer or considering refinancing, leveraging the advantages of a mortgage broker can make a substantial difference. Selecting the right financial partner may be the key to unlocking a smoother, more rewarding home-buying journey. As you embark on this important milestone, remember that a knowledgeable broker can be your most valuable asset. Apply online today!

One of the biggest perks of using a mortgage broker is access to a wide range of loan products. Mortgage brokers work with numerous lenders, which allows them to present diverse financing options. Retail lenders usually restrict you to their own products. According to the Mortgage Bankers Association, homebuyers who use a broker can explore up to 20 different loan options, whereas retail lenders might provide only 3 or 4.

A mortgage loan originator (MLO) is a person or institution that helps a prospective borrower get the right mortgage for a real estate transaction. The MLO is the original lender for the mortgage and works with the borrower from application and approval through the closing process. An MLO can be a lending company, mortgage broker or loan officer.

MLOs will work with you through the steps of getting a mortgage, answering questions, collecting documents, and verifying information. If you’re purchasing a home, they’ll also provide an estimate of your loan amount and interest rate based on a review of your income, credit report and assets. This mortgage preapproval can help you figure out your home buying budget and show real estate agents and sellers that you’re willing and able to purchase the home. The MLO will continue to work with you through the application process, into underwriting and help ensure you’re ready for closing. Remember, an MLO can be a person or institution. While the loan officer is the person who works with you, the lender is the institution that initially funds the loan.

The term “loan officer” refers to an individual acting as an MLO. Loan officers may work for a direct lender or as a mortgage broker who partners with several different lenders to find you the loan option that best aligns with your personal finance goals, budget, and preferred loan terms.

Homebuyers with unique financial backgrounds often face challenges in getting approved for loans. This is where brokers excel, especially PHILANYA. Whether you are self-employed or have less-than-perfect credit, a knowledgeable mortgage broker can find suitable financing options that cater to your situation. They understand which lenders may be more flexible with their guidelines, acting as advocates for buyers and helping them present their cases effectively. Ask me anything

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