Michelle Emerine

Michelle Emerine
Mortgage Loan Officer, NMLSR # 659598

4828 S Florida Ave

Lakeland, FL 33813-2167

About me

Background

I’ve helped many people achieve their goal of homeownership since starting my mortgage lending career in 2000. From first-time to seasoned homebuyers, and from clients building their dream homes to looking to refinance existing loans, I have the in-depth understanding of the local real estate market and full range of mortgage programs to effectively and expertly close loans. A proven mortgage professional, I’m always available to help my clients and my attention to detail makes the mortgage process run smoothly and easily.

Areas of Focus

  • Choose how to position your mortgage comfortably within your overall financial picture, whether it’s to reduce your monthly payment, pay off your loan sooner, or get cash out for large purchases.

  • Explore a variety of jumbo mortgage loan financing options to put the home you’ve always dreamed of within reach.

    • Access larger loan amounts at competitive interest rates.
    • For primary residences and second homes, including condominiums.
    • Maximum loan amount varies by loan type, ranging from $3,000,000 to $5,000,000.
  • Whether you’re thinking about a new home now or further down the line, we have a variety of home loans and will help ease the mortgage process by answering your questions and making the experience as simple and straightforward as possible.

  • 100% financing at competitive rates and low monthly payments.

    • For qualifying veterans and surviving spouses.
    • 100% financing available with no down payment.
    • Borrowers exempt from monthly mortgage insurance premiums.
  • Enjoy some of the best rates and terms for a low down payment mortgage designed for doctors and dentists.

    • Qualified physicians receive special privileges including lower rates and greater purchasing power, even if you have student loans.
    • Doctors can get up to 100% financing with no monthly mortgage insurance payments.
    • Borrowers will receive favorable repayment terms to help meet the financial reality of practicing medicine.
  • By first understanding how much you can afford to spend on a home and planning accordingly, you can buy your first home with confidence. Calculate now

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