Beacon Lending Home Loans in Denver Colorado

Let us guide you to the perfect vacation or forever home

Mortgage Broker Florida

Seeking investment property or a home 
of your own in Florida?

Let us guide you to the perfect vacation or forever home.
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Sunny weather and sandy beaches ahead

When it comes to real estate in Florida, one of the most frequent topics we are asked about is investing in rental property. Between the hundreds of miles of pristine coastline, family-friendly theme parks, and year-round warm weather, it’s one of the most sought-out vacation destinations in the US. For anyone looking to get into the vacation-rental game, Florida is the perfect place to start.

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Client Testimonials 

Adam Armstrong
Getting the lowest rate was the most important thing to me. I shopped 5 other lenders/brokers for my refinance. Brian was able to beat the other lenders by a significant margin. I was surprised as I thought most lenders would have similar rates. I think being that Brian is a broker and has access to hundreds of lenders gives him a leg up to finding the best rate for his customers. The process was also very straight forward and he was available when I had questions.
Brent Galas
Brian, was very easy to work with for my refinance even thru this Covid time. All documents were easy to upload electronically and his processor was detailed for what was needed. He was able to get me an appraisal waiver so no cost to me and nice to not have anyone in my house for it. Never imagined closing rate in the 2’s!! Closing was completed outside my house with masks and done in 10mins... Brian gave great service and provided me with savings for next 29 years! One year shorter than standard 30. Will use Brian again for my next investment property!
Jerred Lane
Brian Quigley is one of the most professional mortgage brokers I have EVER had the pleasure of working with. I’ve been through this process 7 times before and while none of the previous experiences were bad by any means, Brian has raised the bar to a whole new level. With time being precious, there are not many who have a lot of time to spare; he kept everything on point and on track. We closed on schedule and the detailed communication Brian provides is part of the reason why we were able to do so. I will be doing business with Brian again and highly recommend him to any one that may be in the market.

If you’re looking to purchase rental property, a great option is a DSCR loan.

What is a DSCR loan?

When it comes to real estate in Florida, one of the most frequent topics we are asked about is investing in rental property. Between the hundreds of miles of pristine coastline, family-friendly theme parks, and year-round warm weather, it’s one of the most sought-out vacation destinations in the US. For anyone looking to get into the vacation-rental game, Florida is the perfect place to start.

FREE DSCR GUIDE!

Learn more about DSCR loans here

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Meet The Beacon Lending Founder

Brian Quigley
Brian Quigley
NMLS#244003
Hello, my name is Brian Quigley, My personal desire is to see each client reach their goals with ease and confidence thanks to Beacon Lending’s exceptional service. Our team focuses on veterans, heroes, and self-employed entrepreneurs. However, we are also able to create a clear path for anyone who seeks our expertise.

Mortgage Broker Florida

Location - St. Petersburg, Florida

Brian Quigley - Beacon Lending

NMLS#244003
9800 4th Street N, Suite 200, St. Petersburg, FL 33702
Get Directions

Hours:

Monday: 8:00 AM – 6:00 PM
Tuesday: 8:00 AM – 6:00 PM
Wednesday: 8:00 AM – 6:00 PM
Thursday: 8:00 AM – 6:00 PM
Friday: 8:00 AM – 6:00 PM
Saturday: 8:00 AM – 6:00 PM
Sunday: 8:00 AM – 6:00 PM

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Where are you In your journey?

Step #1 - Making a plan

Knowing your goal of homeownership. 
Informing yourself on the different types of home loans.
Know what type of mortgage and how much home you can afford.
Organize & gather your paperwork (W2's, tax returns, pay stubs, bank statements, and assets).

Step #2 - Conduct Research

Do you want a mortgage broker, banker, credit union, or wealth manager?
Who is qualified for my needs?
Am I trying to buy an existing home, new build, investment property, commercial property...?

Step #3 - Contingency

You have chosen your lending partner based on Truth, integrity, experience, and how they can help you achieve your goals of homeownership or refinance.
You have built up confidence for a successful summit (closing on your home loan) and taken action to make it a reality.

Step #4 - Beginning The Trek

You have all your documents organized but you are having trouble getting qualified through your lender.
Your destination is in sight but the underwriter is taking forever or the lender is giving you the run around.

Step #5 - CROSSING THE FINISH LINE

Here are your keys, you did it!
With much gratitude and appreciation, we now want to say CONGRATULATIONS ON YOUR NEW HOME!
Beacon Lending thanks you for allowing us to guide you on this journey.
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Florida Mortgages & Home Loans

FHA Loans

For home buyers looking for lower closing costs, lower mortgage insurance, and flexible credit score requirements, this is an excellent option for you.

  • Low closing costs
  • Low mortgage insurance
  • 3.5% down payments
  • Flexible credit score requirements
  • Down payment assistance programs
Learn More About FHA Loans

VA Home Loans

The loans are intended for Active Military and United States Military Veterans. Benefits for those who qualify include 0% down payment, no mortgage insurance, and lower interest rates.

  • 0% down payment
  • No mortgage insurance
  • Limits on closing costs
  • Low interest rates
  • Financing up to 100% of the value of the home (LTV)
Learn More About VA Home Loans

Conventional Loans

Also referred to as Non-Conforming Loans, these can offer more flexibility. A conventional loan could be a great option if you are looking for a second home or investment property and you have a good credit score.

  • You are considering a second home or investment property.
  • You are a first time home buyer with little money for a down payment as only a 3% is needed.
  • The down payment amount is at least 20% of the home value because the PMI (premium mortgage insurance) will not be needed, saving you hundreds of dollars on monthly mortgage statement.
  • You have a good credit score as it can give you a better interest rate.
Learn More About Conventional Loans

USDA Home Loans

This is a great option if you are buying a home in a qualified rural area. USDA loans make it possible to qualify with a 0% down payment and lower closing costs.

  • A great way to purchase a home with limited resources.
  • It is possible to qualify for a USDA loan with a 0% down payment.
  • Low closing cost options.




 

Learn More About USDA Home Loans

Jumbo & Super Jumbo Loans

If you are looking to secure a home loan that exceeds the loan limits for FHA and Conventional loans then you may be in the market for a Jumbo Loan

  • A great way to purchase a home with limited resources.
  • It is possible to qualify for a USDA loan with a 0% down payment.
  • Low closing cost options.

 

Learn More About Jumbo Loans

Reverse Mortgages

If you are over the age of 62 and are looking for extra income to pay for healthcare, pay down debts, or simply looking to supplement your income, a Reverse Mortgage might be your solution.

  • Are looking to supplement their income.
  • Need extra income to pay for healthcare expenses.
  • Want to pay off or pay down existing debts.
Learn More About Reverse Mortgages

Mortgage Refinance

This option can be a great way to take advantage of historically low-interest rates to lower your monthly mortgage payment or cash out with your existing equity.

  • Term home refinance
  • Cash out refinance
  • Reverse mortgage refinance
  • FHA Streamline Refinance
  • FHA 203K Refinance
  • HARP 2.0 Refinance
  • VA Streamline Refinance

 

Learn More About Refinancing Options

FHA 203K Loans

This loan has been around since the 1970’s, but you probably have never heard of it. This is a great option if you are wanting to remodel or improve your existing house. There are some hoops to jump through to qualify for one of these, but our expert team is here to walk you through it if this is the option for you.

These loans are rarely heard about because most borrowers are aligned with an inexperienced loan officer who does not want to take on the responsibility of additional work and time to close. Beacon Lending will gladly assist those who qualify. 

These loans are available when you purchase or refinance a home.

Learn More About FHA 203K Loans
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Home For Heroes Foundation

Reduced Lending Fees and Local Business Deals
Homes for Heroes, Inc., donates a portion of its earnings to the Homes for Heroes Foundation, and every time a hero buys or sells a home using the Homes for Heroes program, they are helping heroes in need.
“The Homes for Heroes program made me feel like my sacrifices
to my community and my country were worth it. That there was
somebody there, to tell me, thank you for your service and
shaking my hand.” - Cinda

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Beacon Lending

NMLS#244003
brianq@beaconlending.com
(727) 387-2028
9800 4th Street N, Suite 200, St. Petersburg, FL 33702

Hours

Monday: 8:00 AM – 6:00 PM
Tuesday: 8:00 AM – 6:00 PM
Wednesday: 8:00 AM – 6:00 PM
Thursday: 8:00 AM – 6:00 PM
Friday: 8:00 AM – 6:00 PM
Saturday: 8:00 AM – 6:00 PM
Sunday: 8:00 AM – 6:00 PM
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