Mikhail Dudenkov

Jr. Processor

Orlando- Florida

NMLS- 1721926

States Licensed: Florida, Tennessee

Hi there! My name is Mikhail Dudenkov (Mike) and I am a Bi-lingual loan officer, specializing in Russian and English-speaking clients. I strive to provide all of my clients and agents with unparalleled communication. You will always be able to reach me by phone or email, day or night. My goal is to make the home buying process as easy and stress-free as it can be. Whether it's your first time buying or your 10th time buying, I want to make you feel comfortable and at ease throughout the entire process from start to finish. Here at EPM our Motto is LIVES NOT LOANS and I try my hardest to exemplify that. I have the best job in the world because I get to provide people not with just houses of their dreams but homes of their dreams and that makes me very grateful to be a part of. You can reach me day and night at 727-644-2865 call or text.

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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