If someone asked you what to look for in a mortgage lender, what would you say? It’s not a question for which most of us are prepared to give a thoughtful and comprehensive answer. This is even more true for those of us that have often felt like we were on the outside looking in—who grew up in apartments and rented townhouses and felt like ownership was far from our grasps. At Kloze, we offer more than just an understanding of your financial situation. We offer solutions.

Mortgage solutions from Kloze are solutions that make dreams possible. Our belief in our mission is what allows us to pour our professional, creative, and interpersonal energies into our work. If you’ve always dreamed of owning a home but think you may not have enough money to cover closing costs, we’d love to hear from you. If you’re not sure that you could ever get a rate that would make it possible to build equity instead of paying to build someone else’s, we’d love to hear from you. From our customer support staff to our expert mortgage professionals, we’re designed to meet your needs—whatever they are—and make the seemingly impossible a reality.

What You Should Know about Kloze

There are plenty of mortgage lenders out there, and navigating the sea of different providers quickly can becoming overwhelming. But when you want to get the most affordable first time home buyer rates in Florida, the puzzle gets much simpler: Kloze. At Kloze, we have a professional staff committed to staying on top of the latest market developments, both locally and nationally. This dedicated attention, combined with our many years of experience, guarantees that no other mortgage lender is as informed about the Florida marketplace. We’re a Florida-based business, and you’ll recognize the value of that local knowledge as soon as you begin discussing your options with us.

Our industry knowledge is rivaled only by our passion for our clients. This passion means that you get attentive service, whether from a customer service representative or one of our home loan professionals. If you leave us a message via email or telephone, you can know that we will always get back to you, and promptly. And if you have questions about the best option for your specific situation, we’re the company to call to go over all your options and find the best fit.

How We Offer the Most Affordable First Time Home Buyer Rates in Florida

Like a good craftsman, we have many tools. These tools are pathways to home ownership for our clients. They are tools that we continually refine and expand to make sure that potential home owners have the widest number of choices when they make that all-important first choice—choosing Kloze. Like most mortgage lenders, we provide options for both fixed-rate and adjustable-rate mortgages. These two standards allow those who most value consistency to lock-in their mortgage rate for the duration of their loan, whether that’s fifteen or thirty years. Others seeking a more flexible option can choose an adjustable rate loan, which typically has lower rates in the near term.

Yet for many of our clients, there are additional options that play a key role in making home ownership a reality. One of the most important programs is operated by the Federal Housing Administration (FHA). For qualified applicants, the FHA program can be the difference between opening or closing the door on home ownership for low- and moderate-income Americans. FHA loans can greatly reduce down payments and also roll closing costs into the mortgage loan. For service men and women, the Veterans Administration provides a loan program with highly competitive fixed-rate mortgage loans, as well as reduced costs connected to down payments and closing.

These federal program options are supplemented by reverse mortgage loans and conforming loans, which we also offer. At the end of the day, we have a single goal: To translate your home ownership dreams into a reality.