HeroSimplev3

Take ten minutes now and you'll be looking at some of the best mortgage or refinancing solutions available.&nbsp;

beds

1 Bedroom

2 Bedroom

3 Bedroom

4 Bedroom

Buy a Home

Sell My Home

cost

Under $50k

$50k-$100k

$100k-$200k

$200k-$300k

$300k-$400k

$400k+

baths

1 Bath

2 Baths

3 Baths

4+ Baths

Rent

Sell

DetailMediaCinemav2

The Mortgage Hotline is a fast and effective mortgage broker that will bring you the best mortgage or refinancing options in today's market.

Gather some information, get a warm cup of coffee and in a few short minutes, you'll be on your way to taking the first steps on getting your pre-approval.

Our guided form quickly and securely collects all the information needed so we can get you your best options to send you on your way to start your home shopping journey.



We have access to more mortgage and refinancing products than most banks—without the bank-like overcharges in fees.



You can rest assured knowing that your mortgage will be tailored to your specific needs with the best rates available. You will be guided home from a mortgage professional with a long and reputable history in the mortgage industry. 



It has been a pleasure working with Chris and RMS. Always available at any time of the day, ready for a quote on the spot. Also a great advisor with good knowledge of the actual economy.

Would definitely reccommend.

Awesome overall experience

Chris along with the whole RMS team really made the process seamless, all our questions/concerns were answered in a timely manner, we really appreciated and needed all the help we received.

Smooth process

Chris was extremely knowledgeable and helpful through the process. I was able to contact him day and night and he would always ease my worries about something. He is simply the best.

Chris was extremely knowledgeable

Chris is excellent to work with and is extremely knowledgable. Will work with him again and recommend to everyone. He is very good at what he does.

He is very good at what he does.

Chris and his team did an excellent job to get my loan to close quickly even after a hurricane interrupted the process. I was confident in his attention to the details of my situation and the diligence he and Heather demonstrated while dealing with a less than co-operative HOA. If you want your mortgage loan process to be a personal experience, and not feel like just another account #, I highly recommend Chris Faucher.

Great Service

Chris is fabulous! He is very knowledgeable and provided us with excellent support and guidance. The whole process was efficient and we closed exactly as we anticipated. HIGHLY RECOMMENDED!

HIGHLY RECOMMENDED!

Completley happy with services rendered! My boyfriend and I wouldnt have been happier with anyone else in searching for/purchasing our first home. 10/10 would reccomend!

Excellent help!

Chris was and has continued to be very knowledgeable, punctual, and thorough from the day my girlfriend and I began working with him. He was available at virtually all hours of the day to answer any questions or concerns we had, and worked tirelessly to guarantee that we would be getting the best deal possible. He was able to secure an accepted offer on the second house we fell in love with, in a seller's market no less. Not only that, he was also able to negotiate the inclusion of all appliances as well as a generous amount in seller concessions. Highly recommended for anyone looking to purchase a home in this difficult housing market, not just first-time buyers.

Outstanding to work with, especially for first-time buyers

Chris was fantastic. Entire process was made as easy as possible by Chris and his Team. Being able to send and sign forms online just makes it all so easy.

Great lender

Chris is incredibly helpful and pleasant to work with. He makes the mortgage process easy and smooth. This is my second mortgage and this process was definitely a better experience. Thanks so much Chris!!

Incredible

Chris is extremely proficient at what he does and was a true pleasure to work with. He met all of my expectations and was a true pleasure to work with. I will be sure to use him if I ever need to again.

Great to Work With!!!

Chris from the get go was an amazing intelligent lender. He is so informative very attentive and completely understanding of our needs. Chris worked extremely hard for my wife and I to get us approved for our first home. He always answered the phone day night or weekend and it didn’t matter the hour he was always there for us doing everything he could to get our deal done. Any question I had he answered simple as that. He made the loan process a breeze and stress free for us which was awesome! I would recommend Chris to anyone that will listen. He really did an amazing job for us and we couldn’t be more thankful for it! You need a lender? Well Chris Faucher is your guy!!

He will work hard for you

Chris was fantastic to work with. He kept us up to date with all aspects of the home buying mortgage process and was always available for an immediate response to any questions or issues we had. I would use Chris again in a heartbeat.

Chris was fantastic to work with

Chris was very easy to work with. He was very professional, easy to talk to and respectful of my situation. He took the time to explain things in a language I could understand. He was easily accessible to answer any questions I had. He let me know what to expect at each step of the way. This whole process went very smoothly because of Chris!

Chris was awesome!

Chris went to extra lengths to get me as much money back at closing as possible when buying my new house. He also helped me to find the best program for financing. I would definitely recommend him to others as he has the professionalism and experience to provide a fantastic experience during a nerve wracking time.

Great Experience with Chris

My husband and I have been considering buying our first home, but are quite nervous to do so. Chris took the time to speak over phone and over text - even on a weekend. He answered all our questions and was extremely respectful and courteous, without being pushy. He had extensive knowledge of his field. Would highly recommend to anyone, but especially those considering buying their first home. It's ok if you are hesitant to make the plunge into buying a property, still consider contacting Chris and having him talk you through it. We have not purchased a home yet, but with what we learned from Chris we are starting to look.

Goes the extra mile for his customers

My experience with Chris was great! Chris is very knowledgeable and provided me with the best lending experience I could ask for. He set me up with an awesome interest rate to allow me to move into my new home with financial confidence. He genuinely wanted the best for me throughout the entire process. Whenever I had questions (I had a good amount haha) I always received an answer in a very timely fashion with thorough explanation. This was my first time buying a house and he made me feel very comfortable considering how big of a step this was in my life. 10/10 would recommend!

Extremely knowledgeable highly recommend!

It brings me great satisfaction to write this review because I feel like it's the LEAST I can do to share my appreciation for what Chris Faucher (and his colleague Becca) helped me with. As someone who is self-employed for just under 2 years, financing became tricky with the first lender I worked with. They were great, but their team wouldn't divide my income by 12 (only 24) and since I hadn't hit the second year of my (taxable) business income yet, I was turned down. At this point, I had the house of my dreams waiting for me and the market was insane. I told my realtor that I was just going to have to wait until the spring (post tax season when I could file) and find something else. She made a quick call to Chris and he immediately jumped on a call with me, grabbed some information, and then emailed his network of lenders to see if anyone would divide my income by 12. REMN responded with a YES! From there, Chris was so helpful in answering all of my financing questions and he and Becca were responsive, informative, and just overall WONDERFUL to work with. Between them and my realtor, my deal was saved and I am now happily moved into my new house! (And did I mention we even closed early? Amazing!) Thank you so much Chris & Becca!

Chris is a life saver.

REVIEWS

TestimonialSliderFocus

It’s amazing to me, but, right here in Hillsborough County, there are over 30000 residents who are currently renting but can afford to purchase a home. They are qualified to buy a home, so why wouldn’t they? Some people think that the housing market isn’t stable, but home prices in Hillsborough County are forecasted to appreciate by 6.4% over the next year, and 29.2% over the next 5 years. Do you know what that means in dollars and cents? If you purchased a home at the median price of $303,000, you would gain $88,000. This is a very strong market; however, here is the biggest misconception: in a national survey, the number one reason why people are still renting even though they are qualified to purchase a home is that they think they need 20% down. It’s hard to believe that people in 2019 still think they need 20% down. That couldn’t be further from the truth! You can purchase a home with as little as 5%, or even 3% down, based upon the programs that are available. Contact me – I’ll show you how you can create wealth for yourself through real estate. <div class="se-component se-image-container __se__float-" contenteditable="false"><figure style="margin: 0px; width: 740px;"><img src="https://static.wixstatic.com/media/ff6af0e32be14c2a9d2677aff5238ed7.jpg/v1/fill/w_740,h_493,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/ff6af0e32be14c2a9d2677aff5238ed7.jpg" alt="" data-origin="740,493" data-proportion="true" data-size="740px,493px" data-align="" data-index="0" data-file-name="ff6af0e32be14c2a9d2677aff5238ed7.jpg" data-file-size="0" style="width: 740px; height: 493px;"></figure></div><div> </div><a href="https://www.themortgagehotline.com/blog/hashtags/family" target="_self">#family </a><a href="https://www.themortgagehotline.com/blog/hashtags/saving" target="_self">#saving</a>

Real Estate Fact vs. Fiction

Now, many people ask about pre-approvals or pre-qualifications - and most of the time people don’t know if there’s a difference. But you know what? There’s a big difference! For a pre-qualification – we look at your credit and take a look at some of the basics. While that’s an important first step, it’s nowhere near as powerful as a pre-approval. A pre-approval is where we dive in a little bit deeper and check your income, check your assets, and make sure that you can actually purchase a home. When you go to visit a seller with a pre-approval, you may be able to save thousands of dollars. This is because that seller will now have more confidence in your offer, over someone else’s. Also, you may even be able to negotiate a better price for yourself! This is important in a tight, competitive market. So next time, take a look at getting that pre-approval! If you have any questions, please contact me. Look forward to seeing you soon.<div class="se-component se-image-container __se__float-" contenteditable="false"><figure style="margin: 0px; width: 740px;"><img src="https://static.wixstatic.com/media/20d96b8914684d518f06a78461f89cca.jpg/v1/fill/w_740,h_501,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/20d96b8914684d518f06a78461f89cca.jpg" alt="" data-origin="740,501" data-proportion="true" data-size="740px,501px" data-align="" data-index="0" data-file-name="20d96b8914684d518f06a78461f89cca.jpg" data-file-size="0" style="width: 740px; height: 501px;"></figure></div><div> </div> <a href="https://www.themortgagehotline.com/blog/hashtags/loan" target="_self">#loan</a> <a href="https://www.themortgagehotline.com/blog/hashtags/home" target="_self">#home</a> <a href="https://www.themortgagehotline.com/blog/hashtags/satisfaction" target="_self">#satisfaction</a>

PreQual vs PreApproval

Rates have been trending lower and there's a lot of speculation that the Fed will cut rates further. It's important to remember that the Fed does not control mortgage rates, they control the Fed Funds Rate…and the two don't always correlate. So even if rates do drop a bit more, is it wise to wait for that potential drop or refinance now? A recent report from Black Night says that over 9.7 million homeowners would currently benefit from a refinance with significant savings. If it makes sense to refinance now, it may be wise to take the sure thing because there is never a guarantee on where rates are headed. If the refinance is done with very little closing costs, there could be a lot of benefit without much investment. And we could always refinance in the future, with little cost. Even if rates do drop at some point in the future, what about all the money that could have been saved in the meantime? It would take a very long time to recapture that lost savings with the small incremental benefit from a slightly lower rate. But each individual refinance has different individual needs and objectives, including some potential debt consolidation. Let me know if you would like to talk about what options and savings are possible, and if it might make sense for you to consider refinancing. <div class="se-component se-image-container __se__float-" contenteditable="false"><figure style="margin: 0px; width: 740px;"><img src="https://static.wixstatic.com/media/nsplsh_44666a4a4d566877485f38~mv2_d_5652_3780_s_4_2.jpg/v1/fill/w_740,h_495,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/nsplsh_44666a4a4d566877485f38~mv2_d_5652_3780_s_4_2.jpg" alt="" data-origin="740,495" data-proportion="true" data-size="740px,495px" data-align="" data-index="0" data-file-name="nsplsh_44666a4a4d566877485f38~mv2_d_5652_3780_s_4_2.jpg" data-file-size="0" style="width: 740px; height: 495px;"></figure></div><div> </div><div style="text-align: left !important"> </div>

Should I Wait for Rates to Drop Before Refinancing?

ArticleDirectorySimple

<h2 style="text-align: center;">RESOURCE CENTER</h2>

FormSimple

Chris Faucher President and CEO&nbsp;Individual Loan Officer NMLS# 194665Cell Line (954) 388-8330 Heather FaucherBusiness Development ManagerCell Line (954)-231-4400

<h4>Sign Up Now</h4>Kombucha tacos lo-fi vinyl shabby chic.

Home

The Mortgage Hotline LLC is excited to help you buy, sell, or lease your next home, condo, apartment near .

Company

Account

(603) 664-3998