Todd Levensohn

Mortgage Loan Originator

Orlando- Florida

NMLS- 299664

States Licensed: Florida

Todd Levensohn is a native Floridian who grew up in Central Florida. He attended both UCF and UF in pursuing his psychology degree. He is a family man priding himself, with the help of his wife Kim, on raising 3 wonderful children ages 13, 24, and 25. He enjoys outdoor activities with his family and helping others when time permits. This stems from his previous volunteering with the big brother program and seeing the impact firsthand. He is a firm believer in teamwork and dedication. He and his team are aware that our clients have entrusted his team with most likely the largest purchase of their lives. We are grateful for this trust and work hard to help our clients achieve home ownership. He has specialized in residential lending for over sixteen years and has been in the finance industry for over twenty years and being a native Floridian has given him a true advantage for his clients having more than a decade of knowledge of the Florida market. As a recipient of the Five Star profession award, he prides himself in bringing knowledge, experience, and value to the home lending and buying process. Todd has an unwavering commitment to customers, employees and the community we serve. His vast knowledge of the industry has enabled him to do loans that most lenders would consider to be too labor-intensive, However, Todd and his team feel everyone should have the opportunity to be a home owner and achieve the American Dream.

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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