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Welcome to the online home of The Christensen Financial Team your one stop shop for all your mortgage needs. Whether you are looking to purchase a home, or already own one and you’re interested in refinancing your current home loan, we have programs that can help you. We are located in Bradenton and most of our client’s come from there and the entire Tampa Bay area, however regardless where you live in Florida we have loan programs for you.
 
When purchasing a home there are a few options that are available. There are even specific programs that have been created to help more people own homes, so even if you thought owning a home was out of the questions, we could find a way to get you in your own home. We of course have conventional loan programs with some of the most competitive rates you’ll find because we work with so many lenders we can shop around to find the best available. If you’ve had trouble qualifying for conventional loan programs, or just thought you couldn’t, the government has created programs to make it easier to purchase a home. FHA loans are a great option, because they only require a 3.5% down payment and the financial requirements are looser then what you’d find with conventional loans, opening the door for more people to own a home. We also work with the HomePath program which makes it easier to own certain homes with low down payments and no mortgage insurance costs. There is even a renovation mortgage program that helps you pay for home improvements on a home you’d find that needed some renovation. Regardless of what situation you are in, we are confident that we’ll find you a home loan product, and if we don’t, it probably doesn’t exist. Try our online Purchase Assistant to quickly start finding out how much you can afford.
 
If you already own a home and you want to refinance to a lower rate we have refinance programs with some of the lowest rates you’ll find. Because we do work multiple lenders it gives us the advantage of being able to check which one would give you the best rates, instead of traditional banks that just have themselves. We know a lot of people because of the housing bubble bursting are underwater with their mortgage and couldn’t refinance. However there is now a solution, the HARP 2.0 that was created to help people in that situation, so if that’s your situation we can help you refinance that high mortgage into something reasonable. Use our Refinance Advisor tool to see how much you could save with a refinance.
 
We look forward to hearing from you to help you with any of your mortgage needs.

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Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

 

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

 

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

 
 
 

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