Thank you for visiting Marketplace Home Mortgage. I know you’ll find the services offered here helpful and the loan programs not only convenient but very competitive. It’s my goal to help you cut through the clutter and noise in the mortgage process, so you can quickly and efficiently find a loan that meets your objectives and fits your lifestyle.
As a professional in the mortgage lending industry, I’ve built my reputation on providing outstanding service to my clients. That means you can count on me to always look out for your best interests and to keep you informed throughout every step of the lending process. Please don’t hesitate to call if you have questions about the information you find here on our website.
Becky and her staff were awesome.. Along with getting me a low interest rate she was able to do what the local bank couldn’t. The local bank was having problems getting me a loan, even with excellent credit, but Becky and staff pulled it off with no problems. They also were able to answer any and all questions I had. I would definitely do business with them again. – Mike Ackerman
Becky really helped me out and did my loan in a quick turn around. My first loan I applied for from my home state didn’t go through because a developer was still attached to the property. I wasn’t told until this the day before closing. Becky had to start the process over again & I had to use a FL company. It went through smoothly with her help. A great company to work with and nice people. – Ellen Anderson
Becky was absolutely, The BEST Mortgage Loan Consultant EVER. She was very knowledgeable and her staff was absolutely encouraging and enlightening throughout the process. I was a little bit hard to work with because I kept very close watch on all of the figures so that I could understand what was going on and what I was being charged for and Becky was absolutely excellent in this area. The whole staff was incredible to work with and if you are looking for a mortgage lender I would absolutely tell you that if you use Becky you will get the best service ever. – Tonya Brown Fertig
From Application to closing Becky and her staff were awesome! Becky kept me informed every inch of the way and always took the time to answer my calls! I would highly recommend Becky Sikorski and her staff! Keep up the good work! – Paulette Butcher
My husband and I had a great experience working with Becky and her team. They made themselves so accessible to us and our many questions. Highly recommended! – Abrina Culley Justison
She was just what this old lady needed to get the process done quickly and as effortlessly as possible. – Leslie Clugston
- Cell (941) 628-2320
- Office (239) 228-8948
- Fax (239) 790-5658
- Email firstname.lastname@example.org
- NMLS # 355986
- Office Location 17595 S Tamiami Trl Ste 265
Fort Myers, FL 33908
Getting Pre-Approved for financing is one of the most important first steps you can take when beginning your house hunt. Get started today by clicking the link above!
Want to make your offer more attractive? Get a complete commitment from underwriting in 5 days with or without a house with our UFirst 5 Day Loan Commitment!
If we are unable to close your purchase on or before your scheduled closing date, we will pay for your first mortgage payment up to $1,500 P & I AND the seller of the property will also be paid $5,000. *See terms and conditions.
THE MARKETPLACE HOME MORTGAGE BLOG
The new tax reform bill that was signed into law by Congress will be changing taxes related to home ownership in 2018 and beyond. If you are a homeowner, or are considering becoming one, be sure to meet with your tax professional to discuss how these changes will impact you.
SOME KEY CHANGES TO NOTE:
MORTGAGE INTEREST: Prior to the new tax bill, mortgage interest was deductible up to $1,000,000. With the tax reform bill in effect, it will only be deductible up to $750,000. This applies to all homes purchased after December 15, 2017 as well as second homes.
MOVING EXPENSES: Before this year, qualified homeowners relocating for a job could deduct their
moving expenses from their taxable income. Moving forward, this deduction is only available to active
duty members of the armed forces.
HOME EQUITY LINES OF CREDIT: Mortgage interest paid on Home Equity Lines of Credit will no longer be tax deductible.
STANDARD DEDUCTIONS: The tax reform bill will also change the standard deductions available to each household. With the new tax reform bill in place, the standard deduction has nearly doubled from
$12,700 to $24,000. As a result, many homeowners may choose not to itemize their deductions in 2018.
If you have questions related to home ownership, the benefits of buying vs. renting, or the mortgage process, our experienced Loan Officers are available to help.
Each spring as the temperatures warm up, so does the housing market. Even before the snow has melted, sellers are preparing their homes to be listed, and buyers a readying themselves for a search.
If you are among those who plan to buy a house this spring, here are the key first steps you should be taking to get started.
- Meet with an Experienced Loan Officer
Meeting with a Loan Officer is one of the most important first-steps you can take once you realize you want to become a homeowner. Your Loan Officer will review your overall financial situation, go over mortgage options, and help you determine what homes will be within your price range. For this reason, it is important to get started on the mortgage process before you begin seeing properties with your Realtor. Meeting with your Loan Officer early on also gives you a chance to catch and address credit-related issues you may not be aware of. By meeting with your Loan Officer first, you will be prepared to act fast when you find your dream home.
To connect with a Marketplace Home Mortgage Loan Officer or branch near you click here.
- Find a Realtor
Once you have reviewed your financial situation, taken care of any issues, and understand your budget, your next step should be to find a Realtor. Your Loan Officer may have some helpful recommendations based on professionals they have worked with. Friends and family can also be great resources for agent referrals. Once you have met with a Realtor you feel comfortable working with, you can begin to determine your priorities and define the parameters of your search.
- Build Your Wish List
Take some time to think about your priorities. This will be a big help once you begin your home search. Work with your Realtor to outline which neighborhoods, school districts, and amenities you are looking for. Determine which features are a preference and which are must-haves.Going into the spring market with a clear vision of what you are looking for will save valuable time and make it more likely that you will spot the house that is right for you when it hits the market.
In many areas the spring housing market can be hectic, but with a little planning, and the right home buying team, you can be sure you are off to a great start on your path to home ownership.
When you are comparing mortgage options, it is important to understand the difference between the interest rate and APR. When you see a loan rate advertised, you’ll also see a corresponding APR (4.5%/4.762% APR). This Annual Percentage Rate is the total cost of your loan (interest and fees) expressed as a single number. The purpose is to give you one number for comparing multiple loans.
But it’s an imperfect science.The problem with using APR as designed is that the calculation applies to the entire length of the loan, and some people use mortgage loans for only a few years due to refinancing or sale. READ MORE