Chris Schrysen

Mortgage Loan Originator

Orlando- Florida

NMLS- 321822

States Licensed: Florida

I am originally from Long Beach Island, NJ. I have lived throughout the state of Florida since moving here in 1968. From Winter Park, to Eustis, to Orlando, to Daytona Beach, to Tallahassee, to Key West and all the way back home to Orlando. I graduated from Spuce Creek H.S. in Port Orange, FL., and I graduated from the University of Central Florida with a B.A. in Finance. Upon graduation I worked for Martin Marietta Aerospace as a financial analyst, but quickly discovered my real passion is in real estate. I worked for ten years in the Florida Keys as a realtor and a property manager. I began my career as a mortgage professional in 1999. I like to differentiate myself from my competition by thoroughly explaining the mortgage and the loan process so that my borrowers are completely at ease throughout the process. I especially enjoy working with first time homebuyers and removing the uncertainty and doubt from their home buying experience. Nothing is more rewarding than sitting at the closing table and witnessing the excitement of a couple receiving the keys to their first home. Give me a call for a consultation on your current mortgage or for a pre-approval on a new home purchase. I look forward to assisting you with all of your mortgage needs.

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.

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