Eric Lin

Mortgage Loan Originator

Orlando- Florida

NMLS- 1603021

States Licensed: Florida, Georgia

Eric Lin is an experienced licensed mortgage loan originator who understands the needs of those financing for homes. He is committed to providing ideal financing options to homebuyers and homeowners. Whether purchasing your first home, investing in real estate, or refinancing a home, he will make certain to provide all options to help choose the best solution for your unique situation. When not busy serving clients, Eric enjoys spending quality times with his family, fishing with friends and being a royal Alabama football fan. As a bilingual (proficiency in Mandarin and English) loan officer, Eric provides services for a diverse array of clients. He has been in the mortgage business for years, gaining the knowledge and expertise to help you at ease throughout the mortgage process. His diverse experience in the mortgage industry allows he to better assist you and ensure a smooth process from origination through to closing.

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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