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Tips & Insights

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Understand the difference between mortgage pre-approval and pre-qualification. Learn why pre-approval strengthens your offer and helps you compete in today’s market.
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Learn how the home appraisal process works, what appraisers look for, and what to do if the appraisal comes in low. Buyers and sellers—be prepared with CPF Mortgage.
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VA loans offer incredible benefits, including a bonus entitlement that allows qualified veterans to buy homes above the standard county loan limits without a down payment.
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Approved with conditions on your mortgage? Learn what it means, the next steps to take, and how CPF Mortgage helps you move from conditional approval to clear to close.
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Learn what Loan Level Price Adjustments (LLPAs) are, how they affect your mortgage rate, and tips to reduce costs. CPF Mortgage helps you secure the lowest rates and closing costs.
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Learn how 3-2-1 buydowns, 2-1 buydowns, and 1-0 buydowns work, who pays for them, and how to negotiate a buydown to lower your mortgage payments in the first years of homeownership.
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Understand the difference between temporary and permanent rate buydowns. Learn how each works—and how smart borrowers may combine both for maximum savings.
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Explore how a 2-1 buydown works and how it can help lower your initial mortgage payments. Learn who qualifies, the benefits, and long-term considerations.
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Considering a cash-out refinance to pay off high-interest credit card or personal loan debt? Even at a higher rate, it could improve your monthly cash flow. Learn when refinancing makes sense.
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Discover the best Non-QM loans for self-employed homebuyers. Learn how flexible mortgage options like bank statement loans make homeownership possible without traditional income documentation.
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Your Time & Money Matter. Let’s Not Waste Either.

From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 30 days.
10710 FL-54 c101, Trinity, FL 34655
(727) 226-1040
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Copyright ©2024 | CPF Mortgage
Licensed to do business in the
State of Florida, Colorado, Georgia and Tennessee.
NMLS #222883
Christopher Paul Financial, LLC dba CPF Mortgage is a Florida mortgage lender NMLS 222883, Florida state license MLD929, Colorado registered mortgage company NMLS 222883, licensed Tennessee mortgage lender NMLS 222883, and Georgia Residential Mortgage Licensee NMLS 222883. The main office is located at 10710 State Road 54, Ste. C101, Trinity, FL 34655. All loan approvals are credit driven, and all decisions are based on underwriting credit approvals. All rates, terms, and programs are subject to change without notice. Borrowers should consider their options carefully when choosing a loan program.
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