Amber Renner

Mortgage Loan Originator

Orlando- Florida

NMLS- 994771

States Licensed: Florida, Georgia

I originally got into the mortgage industry in 2013 and fell in love with being a Loan Originator. For the large majority, purchasing or refinancing your home is the biggest financial decision you will make in your life. I take pride in making sure I offer you the best loan product options as well as build the relationship and trust needed to ensure a smooth and comfortable process from start to finish. Being a mama of two little girls, I understand that everyone has a lot going on in their personal lives and I am as flexible as possible to make sure I am available throughout the process to answer any questions and make sure the job is done right! I am passionate about understanding exactly what it is you are looking to accomplish and taking the time to put together a comprehensive plan to make sure you achieve those goals. My goal is to make sure you walk away from the transaction satisfied while receiving the best customer service possible. When I am not working or taking care of my girls, I am usually outdoors chasing some type of adventure!

EPM Mortgage Products

EPM offers a wide variety of products to help you purchase or refinance your home. We are licensed in all 50 states including Puerto Rico and Washington, D.C. and are dedicated to bringing you access to the most diverse array of home lending products available in the industry. 

Conventional Loans

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

If putting down less than 20%, most lenders require PMI or Private Mortgage Insurance to be able to recover in a situation of default. Some lenders do have conventional loans a low down payment and no private mortgage insurance.

FHA Loans

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

You can put down as little as 3.5% and these loans usually have more lenient credit-score requirements. All FHA borrowers pay an upfront and annual mortgage insurance premium (MIP) which is an insurance policy for the lender backed by the federal government.

VA Loans

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary. VA loans may require a funding fee however, some do not and the fee varies based on service category and loan amount.

Jumbo Loans

Loans over $548,250, which is the conforming loan limit for a one-unit property, are considered jumbo loans. Some lenders classify jumbo loans as riskier and so, will require documentation of larger cash reserves, a strong credit score, and a down payment between 10-20%.

Bank Statement Loans

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

Reviews for Amber Renner

powered by: