Contact Us
Don’t wait any longer to make your homeownership dreams a reality. Please contact Gil Barber, your dedicated mortgage loan officer, for personalized assistance. Whether you have questions or are ready to begin the mortgage process, we’re here to help you every step of the way.
Phone
(239) 281-5304
Business hours
Monday to Friday 9:00am – 5:00pm (EST)
Debunking Home Buying Myths
Myth 1: You need a 20% down payment to purchase a home.
Truth: Down payments can start as low as 0%, depending on the loan program.
Myth 2: You must have a lot of money in the bank to buy a home.
Truth: Typically, a minimum investment of $2,000 – $3,000 is required, which can come from personal funds or a gift.
Myth 3: If you've ever owned a home, you're not a first-time homebuyer.
Truth: If you haven’t owned a home in the last three years, you are considered a first-time homebuyer.
Myth 4: Only first-time homebuyers qualify for down payment assistance.
Truth: Some programs are available even if you’ve owned a home in the past three years.
Myth 5: You need a high credit score to qualify for a mortgage.
Truth: There are loan options for all credit scores, including those with no credit score(s).
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Florida Mortgage Lender Licenses:
Innovative Mortgage Services Inc., NMLS 250769
Gilbert Barber, NMLS 386751