Emma Kyle

Mortgage Loan Originator

Orlando- Florida

NMLS- 1829209

States Licensed: Florida

In 2008 we moved from Ireland to the sunshine state. We had fallen in love with Orlando while on vacation, so my husband and I decided Central Florida would be a great place to start a new life and bring up our kids. My background has been in sales and customer service consultation, so I decided to enter the real estate industry and became a Realtor in 2009. As a Realtor, I learned all about the home buying process and the market here. Looking to broaden my horizon, I became a mortgage loan originator as this is what I excel at today. As a mother, I know how important it is to have the stability of home for my family and I love nothing more than to help my clients become homeowners. Today I'm happily married with 2 adult kids and 2 fur-babies. I'm big into health and fitness. I love to travel, enjoy the outdoors and dedicate any spare time to reading and learning. Now that you know a little about me, I'd love to learn a little about you and help you with getting the home of your dreams!

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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