No Closing Cost Home Loans?
"The Biggest No Brainer in the History of Earth?"
Are you kidding me?
Trust me folks, it just ain't happening.

If you want the truth, you've come to the right place.
I hold a pocketful of licenses and can't afford to lie.
You can trust that YOU WILL ALWAYS get the absolute truth from...

"The CPA Loan Pro".

BONUS!!  I'll even prepare your 2008 U.S. Individual Income Tax Return for FREE!!!*
(Go to "Information" Link for details)

Who do you really want to handle likely the largest financial transaction
of your life?  Someone who may not even be licensed?
Or a proven financial professional, certified and licensed to prove it?

Newsflash!!!  Just because the Fed lowered short-term rates (i.e., the Fed Funds Rate), that doesn't mean that mortgage rates are going down!!!  I don't care what Deanna says in her radio ad.  That tells me that DEANNA HAS NO CLUE what the heck she's talking about.  The Fed Funds Rate will and does effect the Prime Rate, which is the basis for many, if not most, home equity lines of credit or HELOCs, but has no direct effect on the level of long-term mortgage rates.  Come on, Deanna, tell the people the doggone truth!!!

Rates...As a practice, I do not publish mortgage interest rates on my site.  There is nothing to hide in this regard as there are several sites at which anyone with a computer and internet access can look up average mortgage rates from across the country  (i.e., www.BankRate.com, www.FreddieMac.com, or merely look to the right of this page for the Rate Ticker).

However, please be advised...rates are totally dependent on the activity in the bond market which is highly dependent upon the overall economy.  As such, rates change everyday and quite often change during the course of a business day.  If I published rates here on my site, updating them is ALL I would ever do.

Also, not every rate is available to every borrower.  Just because your neighbor got a particular rate DOES NOT mean that you will get that same rate.  Your rate may be better than your neighbor's rate.  The best rate available to a particular borrower is dependent on his/her credit history, income, debt-to-income ratios, employment status and several other borrower-specific items.

Please, Please, Please!!!!
BEWARE the loan "sales" person who will quote you a rate over the phone, mostless over the radio.  It is very likely a "teaser" rate and you will usually get a big surprise when you are told the truth later.  A rate isn't guaranteed until it is locked and even then there COULD be circumstances that MAY result in a different rate at closing...not often, but it COULD happen.  The rate can go lower.

One final thing and I'll shut up...if you see that the average rate on a 30 year fixed rate mortgage is 5.4% per the Rate Ticker and Deanna or some other bait and switch blowhole on the radio is quoting 4.25% fixed, please know that there is more to that rate that she isn't telling you.  She is only trying to get you to call.  It is classic bait and switch and ought to be a criminal act, especially given how borrowers have been duped over the past several years.  You may actually get that rate but you'll have to pay upfront interest (discount points) or it may be a negatively amortizing loan (meaning the loan balance gets larger, not smaller, as time goes on).  There is more than meets the eye, you can count on it.

The lending business is a zero sum game.  You may see a difference of .125% or .25% in rate between honest lenders, which really respresents the difference in their costs of doing business and/or what they are willing to work for.  But, it'll likely never be much more than that on a legitimate apples to apples comparative offer.
Bottomline is truth and customer service...Who can you trust?

Okay...if you’re reading this, chances are you are looking for a loan. And you've probably heard the radio and TV ads touting "Loans with no Closing Costs" and rates so low, who wouldn't want them? Listen to the fast speak at the end of the commercial or the fine print on the TV ads. I don't want to start out on negative footing, but remember when your parents or grandparents quoted the old saying that goes "When it sounds to good to be true..." You know how the rest goes.

I am really glad you have come to my site because you’ve come to the right place. At CPALoanPro.com, my focus is to make sure my clients are in the right loan program with the right terms that fits into their current and future financial situation.  A "no closing cost" loan program VERY WELL MAY BE the best choice for you.  I can do those, too.  But then again, that program may not be the best option for you or you may not qualify for that program.  But you can rest assured, I'll show you the options and together we'll make sure you choose correctly.  Truthfully, all mortgage pros can hide the closing costs.  Even I can do that.  So, don't allow my honesty to deter you from using me for your financing needs.  Just be careful and make sure you are truly getting what you think you're getting.

We know as do you that a mortgage is a big commitment.  But a mortgage can also be a valuable TOOL for FINANCIAL WEALTH ACCUMULATION.  Selecting the right loan program should be a consultative relationship and not a sales transaction and one that is lead by an experienced professional, answering every question so that the borrower (YOU) know with confidence that you made the right choice.  Email me at kpearce@CPALoanPro.com and I will set an appointment to discuss your options.

What does our commitment to personal service mean to you?  It means that we focus on YOU and YOUR goals.  Anyone can line up a great looking rate for you but we take the time to show you all the other "gotchas" that can overshadow any "teaser" rate.  Email me at kpearce@CPALoanPro.com and I will set an appointment to discuss the "secrets of the industry" which really aren't secrets at all.

Not sure if you can afford your dream house?  We aren't either and won't try to tell you until we have gathered the necessary information.  We have many flexible loan programs that can put you into your new home easier than you might expect.  If down payment is the stumbling block we have access to programs that don’t require a down payments.  Caution, these programs may not be the best for you.  Again, they may not even be available to you.  Email me at kpearce@CPALoanPro.com and I will set an appointment to discuss the truth and show it to you in black and white.

Have questions about your credit?  I can help you understand the effects of your past credit while showing you how to strengthen your present and future.  Our network of mortgage wholesalers enables us to find you a lender who is most understanding of your situation.  If you have great credit, our lenders will reward your good credit with great rates.

Most any situation.  Whether you are looking for a new mortgage, wanting to refinance or just interested in tapping into your current home equity, we can help you.  Email me at kpearce@CPALoanPro.com and I will set an appointment to discuss or Contact Me online. I’ll show you how quick and easy it is to get started. 

Membership in Several Trusted Organizations.  I am an active member of The National and Florida Association of Mortgage Brokers, The American and Florida Institutes of Certified Public Accountants, and the National, Florida and Northeast Florida Association of Realtors®.