Wheeler Gibson

Mortgage Loan Originator

Orlando- Florida

NMLS- 329210

States Licensed: Alabama, Colorado, Florida, Georgia

I first became a Mortgage Loan Originator back in 2003 and I quickly realized that it was the profession that I was made for. Within 3 months I was promoted to a management position where I trained new loan officers and ultimately became the Director of Sales for Zero Point Mortgage. I am now proud to be a part of the team of professionals at Equity Prime Mortgage. As a Mortgage Loan Originator I love the challenges that are presented in every transaction. It takes a special way of thinking to fully analyze a person’s situation and to make sure that they have best chance of qualifying for the financing that they are looking for. I am a bit of an oddity because where as I enjoy reading underwriting guidelines others dread the idea. I want to know what can be done rather than think that something can be done. As a professional Mortgage Loan Originator, it is my job to be the professional that knows what they are doing. My wife Tammy and my two children, Wheeler and Samantha, understand the impact that my profession haves on people’s lives. They respect that there will be many times that I need to answer the phone whether it be in the evenings and or on the weekend. My family encourages and supports me with my efforts in be available to those that have entrusted me with one of the most important transactions in their lives. I am always available and will do all I can to exceed your expectations.

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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