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

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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. 



Chris handled my refi after a failed attempt by another broker. Picked up the pieces and I ended up with the result I was looking for. I would definitely recommend Chris to my friends and family.

Picked up the pieces and I ended up with the result I was looking for.

Chris always took the time out of his day to answer any questions we had. He was very pleasant to work with and thanks to him we now own our dream home! :)Ashley

He was very pleasant to work with and thanks to him we now own our dream home!

Chris was with me the whole step of the way. As a first time home buyer I was scared and eager to get everything done. I had many questions through out my process and Chris couldn't have been more professional and courteous. Whether through email or phone call , Chris would always find the time to contact me to answer my questions. He has tons of knowledge and experience and guided me through all my issues. I highly recommend Chris if you are in need of a Real Estate professional. I honestly couldn't be happier to have him on my side.

He has tons of knowledge and experience and guided me through all my issues.

He helped me from the beginning till the end of the whole process, he was always available to help answer my questions about the mortgage and paperwork. I would strongly recommend him to family, friends, and anyone who needs help with mortgages.

He helped me from the beginning till the end of the whole process

Chris Faucher was very helpful with my wife and my purchase of our new home. Chris worked closely with us at each stage of the lending process, ensuring we fully understood the process and received the best product. Chris even reviewed our existing mortgage on a second property we owned, showing us refinancing options. He found us a much better product and we were able to purchase our new home and refinance our second property, both with very favorable terms. We really appreciate Chris' help and would highly recommend his services.

Chris worked closely with us at each stage of the lending process

Chris and his team made my mortgage experience so easy to manage from start to finish. We even had an issue with the appraisal that we had to dispute, and he stayed on top of it the whole time. If you are looking for an expert to guide you through the process, you have found the right one!

We even had an issue with the appraisal that we had to dispute

I meet Chris through my real estate agent. After meeting him and going over my credit report he laid out a plan to buy my first house. We went over what I needed to work on in my credit report and steps on how to prepare for applying for a loan and get approved. I went to two different first time home buyers class and I learned more talking and working with Chris than I every did from the classes.

We went over what I needed to work on in my credit report and steps on how to prepare

Chris helped us get prequalified and get the loan for our house. He was very easy to work with and took his time in explaining the details of the loan. His team worked quickly and made sure we were able to close on time.

Helpful and patient

I had a pleasure to have Chris Faucher provide me with lender services. Chris answered all of my questions, assisted along the way, provided timely information and personal service. Highly recommended!

Great experience with Chris Faucher

Chris and his team were able to get me the lowest rate available and got me information for all the programs I was eligible for. They were very pleasant to work with and made sure I had all the information I needed. I would recommend Chris to anyone looking to purchase a home.

Great Experience

I would tell everyone about Chris and the people in his office. He was extremely professional and made this home buying process a pleasure. . .before I knew it, I was approved and set for closing. It was so painless.

He was extremely professional

Chris did a great job with walking me through the entire loan process and explaining to me all the steps in buying a new home. He explained to me exactly how the loans worked and gave me confidence that i was getting the best loan and intrest available at the time. I would highly recommend.

Chris did a great job

Chris and his team were efficient and responsive. Chris was nice and easy to talk to. The reason for only 4 stars is because a system that tells them when information has been entered would be helpful.

Chris and his team were efficient and responsive

I recommend Chris Faucher of RMS for all of your mortgage needs. Chris is highly skilled and knowledgeable in his field, was always quick and informative in responding to my questions, and made my home buying experience a positive process.

Highly Skilled Lender

When I started this process I was with another lender and was preapproved for a multi family only.. not satisfied with this I went to speak with Chris, I walked out of his office that day preapproved for a single family. Chris was knowledable in all areas throughout this process.. every snag we hit , he paused took the time and got us through it. He really was a miracle worker, when I panicked he said you got this and when I didn’t think things were in my favor he worked them out. I couldn’t have been more pleased with the time and attention he gave to me. What I thought to be a difficult closing with surprises popping up every other week, he handled every issue head on and made it all possible.

Game Changer

We worked with Chris on the purchase & refinance of our first and second home. He walked us through all the options and in the end we were able to keep the first house to rent while moving into our dream home. Can't wait to work with him on the next investment!

Knowledgeable and responsive

Chris and everyone else at rms was was with us and on the same page as we were all the time. Answered all our questions and made great suggestions. Highly recommend

Very easy to work with

Chris was amazing to work with. He made the process very easy which helped with the stress of it all. Selling a home and buying a new one is hard enough. the entire team was easy to work with. after the pre-approval paperwork was sent in there was very little more required. i actually called Chris several times just to see if there was anything else needed..

He made the process very easy

REVIEWS

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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?

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

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Chris Faucher President and CEO&nbsp;Individual Loan Officer NMLS# 194665Cell Line (954) 388-8330 Heather FaucherBusiness Development ManagerCell Line&nbsp;#1&nbsp;(603)-512-2945Cell Line&nbsp;#2&nbsp;(954)-231-4400

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Should I Wait for Rates to Drop Before Refinancing?

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