Naiomi Perez
About Naiomi Perez
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That’s why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the best loan for them.
My Socials
Find Me
1700 Chaps Place
Kissimmee, FL 34744
NMLS ID#: 2295631
1700 Chaps Place Building 2A Kissimmee, FL 34744
Tools For You
Featured Products
Cash2Keys
Cash Offer and Buy Now, Sell Later. With our Cash Offer program, even the odds and get your offers accepted, all with the power of cash. With Buy Now, Sell Later, current homeowners can comfortably sell their old home all while securing a new one.
Access Your Home's Equity
As you start to make payments on your mortgage, you gain equity in your home. Take advantage of the equity you have built up over time and receive cash for large expenses, consolidating your debts, or home repairs and updates.
Loan Options
Conventional
- Downpayment Required
- Insurance Required
- Higher Credit Needed
- No Residency Restrictions
- Not Insured
VA Loans
- No Downpayment
- Insurance Optional
- Lower Credit Accepted
- Primary Residence
- Government Insured
USDA Loans
- No Downpayment
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured
FHA Loans
- Downpayment Required
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured
Conventional Loan:
A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.
VA Loan:
Insured through the U.S. Department of Veterans Affairs, VA loans do not require the borrower to make any down payment or to get private mortgage insurance, amounting to substantial savings. With lower rates and the far more lenient underwriting standards, if your borrower is a current or former member of the U.S. armed forces, they are unlikely to get a better deal with any other kind of loan.
USDA Loan:
The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.
FHA Loan:
An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payment and credit scores than many conventional loans.
Ready to Get Started?
Realtor Resources
AnnieMac Worx for Realtor Partners
AnnieMac Worx offers invaluable lessons to real estate agents via live webinars, on-demand multimedia and Fortune 500-Caliber educators. Whether you want to catch up on trending topics or enhance your knowledge of time-tested skills and situations, this exclusive outlet will broaden your knowledge base and enable you to pursue more opportunities... which means more success!
Benefits include certification programs, weekly live classes, Worx on demand, productivity tools to streamline your workflow, and coaching with one-on-one expert trainings.
