About Citrus Lending
Hugh Warnock, Branch Manager
NMLS # 885184
I give you my personal guarantee that your experience with Citrus Lending will be favorable.
Our Mission StatementTo provide the best mortgage product, at the best rate with the lowest cost possible to fit our customers’ needs. There is no mortgage too big or small. There is no credit challenge that we will turn away.
AccountabilityCitrus Lending is governed by the State of Florida Compliance Division in Tallahassee, Florida.
We follow, and are in compliance with, the following statutes and laws governing the Mortgage Banking industry as listed here: CFPB, TILA, RESPA, Safe Harbor, RED Flag rules, HVCC reform, Anti-steering laws, Equal Opportunity Act, Fair Lending Act.
AvailabilityWe are available Monday - Saturday from 9AM - 5PM. Saturday by appointment only. Sundays are reserved for God and our families. Thank you for your time, we look forward to serving you with all your mortgage needs.
Why use a Broker"Independent mortgage brokers have had a significant positive impact on the lending industry today and will continue to in the future. Mortgage Brokers are independent real estate financing professionals who specialize in the origination of residential mortgage loans" - FGMC
As a mortgage broker, Citrus Lending can get through the mountains of paperwork for you! In the volatile home lending market we are in, mortgage brokers can serve as safeguards, offering their clients security, safety, and peace of mind. Brokers handle ALL the Details and can wade through the endless rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options. WE BUILD RELATIONSHIPS AND WILL BE YOUR PERSONAL MORTGAGE PROFESSIONAL FOR LIFE!
A Mortgage Broker is licensed, finger printed, FBI background checked and is held to a high standard by the US government and State authorities. We are educated and will assist you the borrower with discussing and explaining financing program options, explaining the documents associated with the loan process, we inform you, in writing, of lock-in options. We explain all associated costs of the loan application, the disbursement of all loan application fees, walk you through the loan process, from application to closing. We provide you with a good faith estimate of costs and fees. We communicate with you throughout the loan process in a timely manner, and coordinate the closing of your transaction. All of this is available to you the consumer for no extra charge!! YOU DO NOT PAY EXTRA FOR A BROKER.