Beacon Lending Home Loans in Denver Colorado

Beacon Lending Will Guide You All The Way!

Mortgage Broker St. Petersburg, FL

No matter what obstacles you encounter on home loan journey, Beacon Lending is your expert guide. 

Do you need help Now closing your home loan?

Beacon Lending can guide you all the way to a mortgage that works for you!

Brian Quigley Profile Photo
Brian Quigley
NMLS#244003
Hello, my name is Brian Quigley, and I've been a mortgage broker since 2003. I have been fortunate enough to pursue this highly gratifying career that gives me the opportunity to assist thousands of clients throughout the years.

Mortgage Broker St. Petersburg, FL

Location - St. Petersburg, Florida

Brian Quigley - Beacon Lending

NMLS#244003
9800 4th Street N, Suite 200, St. Petersburg, FL 33702
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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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Beacon Lending's five step guide

Step #1 - Planning

You want to achieve the goal of homeownership. 
Understand the different types of home loans.
Find out what type of mortgage and how much home you can afford.
Organize & gather W2's, tax returns, pay stubs, bank statements, and assets.

Step #2 - Researching The Journey

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

Step #3 - RESCUE Options

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 - Terrain Navigation

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 - Summit The Peak

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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Mortgage Broker St. Petersburg, FL
Mortgages & Home Loans

FHA Loans

FHA loans are a wonderful choice for St. Petersburg, FL home buyers looking for financing on their primary residence. FHA loans include the following benefits:

  • 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

VA Loans are a great option for Active Duty personnel and US Military Veterans. Members of the National Guard and select Reserve units may also be eligible. The following are some of the benefits:

  • 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

Conventional loans (non-conforming loans) can be more flexible. This loan may be a great alternative if:

  • 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

If you live in a qualified rural area and are looking to purchase a home, USDA home loans may provide an excellent alternative. If you qualify, these are just a few advantages that come with obtaining a USDA home 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 USDA Home Loans

Jumbo & Super Jumbo Loans

If you're searching for a home loan that exceeds the FHA and Conventional Loan limits, then you might be interested in considering a jumbo loan. Jumbo loans are for:

  • Home loans that exceed the conventional loan limits of $510,400 (in 2020).
  • Those who need to finance up to 90% of the home value.
  • People who are self employed or need alternative ways to prove their income.
Learn More About Jumbo Loans

Reverse Mortgages

People who are over the age of 62 and have sufficient equity in their homes may consider taking out a Reverse Mortgage. A Reverse Mortgage could be a suitable alternative for people who:

  • 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

A mortgage refinance can help lower your monthly mortgage payment or cash out with your existing equity. We can assist with various refinance options, including but not limited to:

  • 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

Have you heard of the FHA 203K loan?

The FHA 203K loan has been around since the 1970s. This type of mortgage is rarely done and many people are never informed of this loan.

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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Mortgage Industry & News

FHA 203K Standard Loan --The True FIXer UPPer Loan

The Best Home Loan Known To MAN!!! FHA 203K

Updates on First Time Home Buyer Credit 2010

Firefighter, police, military veteran, nurse, and teacher

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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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.

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