Racheli Refael
Racheli Mortgage Team
CALL (954) 800-0990
MORTGAGES FOR THE SELF-EMPLOYED
No tax returns needed
DIVORCE MORTGAGE PLANNING
Think before you ink
Real Estate & Mortgage
Tips and Tools
Why Choose Racheli?
When it comes to mortgages, the person you want to know is Racheli Refael, Fort Lauderdale Mortgage Advisor, because like one of her clients so eloquently put it:
“Talking to Racheli is like talking to 100 Banks!”
We make the home loan process as simple as possible by guiding you through every step.
Who Does Racheli Help?
- Home Buyers and Home Owners who want a “Personal” Mortgage Consultant
- Divorcees who have a home as part of their settlement.
- Divorce Attorneys & Mediators who need a helping hand to figure out
which party can assume or get a mortgage and how much the party can qualify for. - First Time Home Buyers who want to know exactly what they qualify to buy
right from the start and without the hiccups or denials right before closing. - Self Employed People that may have somewhat complex tax returns,
and can appreciated the guidance and advice Racheli provides - CPA’s who want to help their clients with clear and useful information about Mortgages.
- Real estate Agents who are looking to have a smooth transaction regardless if they are on the BUYER or SELLER side, providing Great Rates! Great Programs! And FAST closings.
Loan Programs
Conventional Mortgage
RATE: FIXED OR ADJUSTABLE
Lower interest rates. Fewer penalties and fees. Second home purchase options.
BEST IF YOU: Have good credit and a larger down payment to possibly receive lower rates with more flexible terms.
FHA Loan
RATE: FIXED OR ADJUSTABLE
Low down payment options. Flexible income and credit requirements.
BEST IF YOU: Are a first-time homebuyer or have a limited amount of funds for a down payment.
RATE: FIXED OR ADJUSTABLE
Low to no down payment. Low income and credit requirements. No mortgage insurance.
BEST IF YOU: Are active-duty military, a veteran or military spouse.
Reverse Mortgage
RATE: FIXED OR ADJUSTABLE
Withdraw a portion of your home’s equity. Paying monthly mortgage payment is optional (must continue paying taxes, insurance & maintenance payments).
BEST IF YOU: Are 62 or better and want to turn your home equity into tax-free** cash without having to make monthly mortgage payments. (must continue to pay taxes and insurance and maintain the home)
Jumbo Loans
RATE: FIXED OR ADJUSTABLE
Purchase a more expensive property. Variety of terms available. Jumbo Mortgages are BACK!
BEST IF YOU: Purchase a property above the conforming loan limits. $647,200 in most areas.
RATE: FIXED OR ADJUSTABLE
Rolls the cost of upgrades and a home purchase or refinance into one loan
BEST IF YOU: Own or want to purchase a home that needs repairs or renovations.
What Our Clients Say
Best Broker in the Industry!
I had the best experience working with Racheli. I really appreciated that she was always readily available and took my calls all the time. She never forwarded me to someone else and kept me up to speed at every step of the way. In the past, I have worked with lenders who always forwarded my calls and took days to reach back out. She made sure to always be in direct contact with my agent. She worked hard to find me the best rate possible and worked within my budget. She thoroughly explained all the documents I was signing and made the closing process quick and easy. Most importantly, she worked around MY schedule and made sure I was informed every step of the way. Will recommend her to anyone looking to purchase a property and look forward to my next closing! Thank you so much.
Highly recommend!
Highly recommend working with Racheli! She’s the best—always cares about you and goes above and beyond to get you the very best!
Excellent Experience
Just the greatest experience. Racheli knew her stuff. Always working with me to get the best deal and always kept me in the loop. Purchasing a home involves a lot, but thanks to Racheli, she made it very easy.
Simply the Best!
We have used Racheli’s service several times. She always delivers the best possible deal and she always has time for you. Great team too. Highly recommended!
How can we help?
GET IN TOUCH TODAY
Email Us
racheli@loans-4-u.com
Call Us!
(954) 800-0330
Address
1471 NE 26th Street #100
Fort Lauderdale, FL 33304