Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.

Mortgage Consultant
890248
12636 San Jose Blvd.
Loran Whigham (NMLSR ID: 890248) is an experienced and accomplished lender with over 12 years in the mortgage industry. Loran comes to the team with a background of being an in-house lender with local agents and is looking to take that experience to the team to build long lasting relationships.
Her experience working in all parts of the loan process provides her with the fundamentals and extensive knowledge it takes to build high level trust and respect. She prides herself in exceeding customers’ expectations through clear communication and knowing the intricacies of the various loan programs available. Her passion is helping others and keeping what can be an extremely stressful process smooth and streamlined.
Loran has deep roots in North Florida and in her spare time loves to spend time with her family, dogs, and catching as many sunsets as possible!

Ask Us About
Pathway To Prosperity

Ask Us About
Pathway To Prosperity

Ask Us About
Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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