Contact Us

Contact us at 651-206-1076 or reach out via email at Tory@Mortgage-Planning.com. Tory is a mortgage lender in Tampa FL. He is licensed in Florida, Minnesota and Wisconsin. You may ask yourself what the reason would be to contact us regarding your mortgage lending questions. Well, the truth of the matter is that there is no mortgage lending question too large or too small. There is no such thing as a dumb mortgage lending question. We all should have learned that in grade school, but we often still wonder if our question is a dumb question. You don’t have to worry about that with Tory, a Mortgage Lender in Tampa FL. You can ask a question on how to improve your credit so that you can purchase a home in the near future. You may be in the middle of a divorce and wonder how to now get a home on your own. Or, on a more positive note, you may have just come into some money and are wondering what home mortgage would be the best investment for your newfound wealth. Maybe you want extra cash to do some remodeling, purchase a new vehicle or go on a vacation. For those purposes you would want to contact Tory mortgage lender Tampa FL to explore the various mortgage lending options for a purchase, refinancing or for a second mortgage. Speaking to a trustworthy mortgage lender before making any decision is always a wise decision. Tory mortgage lender Tampa FL is licensed in Florida, Minnesota and Wisconsin. His main office is in Tampa, Florida.

You can contact Tory after hours and on weekends.  We realize that you have jobs that you need to take care of.  If you don’t take care of your job, you may not be able to obtain a mortgage so we have great respect for being respectful of your time.  We will not contact you at work if you let us know that we should not.  We also understand that you may have a family and we respect how important that time is and will work around your family time.  This is one of the advantages of working with a mortgage lender Tampa FL as they are not limited to a 9 to 5 work environment and can customize the mortgage process to accommodate your personal schedule.  There are clients who work nights and sleep during the day.  There also are clients who work a rotating schedule such as 2 weeks days, 2 weeks evenings, 2 weeks over night.  All you need to do is inform us of your work schedule and we will accommodate you.  Tory’s main office is in Tampa, Florida but he spends time in Minnesota and Wisconsin. There are many people from ‘up north’ who visit the Tampa area and/or buy a home who needs a mortgage lender Tampa FL however we do a lot of business in my home states of Minnesota and Wisconsin

Speaking of time, we want to make you aware that the mortgage process will involve a time investment on your part.  The whole approval process is done on documentation so you will be asked to provide documents and more documents!  The more organized that you are with your personal information, the smoother the process will be for you.  Paystubs and W-2’s will be required along with your bank statements and investment accounts.  Almost everything is done online now and requires passwords and user names so it is beneficial if you are up to date on how to access these items.  Tory has a secure link where you can upload your documents.  We all use our phones for everything but pictures of documents are generally not acceptable.  The only document where a picture from your phone is well accepted is a picture of your driver’s license. Almost all documents where we need a signature can be signed electronically which is great for you as you only need to click a button for your signatures.  When your loan is approved and cleared to close, you will meet with a closer at a local title company where all of your documents are signed in person.  The closer is a notary and needs to verify in person that it is actually you that is signing your documents!  These notaries are very knowledgeable and specialize in mortgages and real estate so they will explain things as you go through the signing process and will be able to answer your questions.  Title companies are designed to make sure that you are the only owner on your property.  A title search is done prior to your purchase or refinance to make sure that you are the sole owner and that there are not any additional liens on your property.  If you are refinancing, the mortgage and any other liens that you may have on the property will be paid off.  The exception to that would be if you have a second mortgage and want to keep that at the time that you are refinancing your first mortgage.  If this is the case, the second mortgage would need to be subordinated.  We would contact your second mortgage holder and obtain a subordination agreement that indicates that they are in agreement with staying in second lien position.  The purpose of having lien positions is in case you default on your mortgages (in other words, stop paying your mortgages), and your home goes into foreclosure, the first mortgage gets paid off first and then the second mortgage gets paid off second.  There is more of a risk for the second mortgage, of course, but usually they are the smaller mortgage amount.

Tory mortgage lender Tampa Fl uses Zoom if you are in agreement with using Zoom.  The biggest benefit of Zoom is that you don’t have to leave your home!  If Tory is in his office as a mortgage lender Tampa FL and you are in Minnesota or Wisconsin, you will feel like you are in the same room. Just like the initial documents that can be e-signed from your own computer, Zoom allows you to stay at home which saves time and money from having to travel to an office somewhere.  It also puts a face behind the name so that you have more of a personal connection.  All the technology that we use now in business and our personal lives is great but it still is important to have the personal connection.  Being able to do so many things from your home also is a convenience if you have children or pets.  How many times have all of us needed to bring our children to an office and they decide at that time to be their worst?  Or we need to get home to let the dog out but we are not going to have the time because we have an office appointment.  The convenience of being able to do so many things from the comfort of your own home is important to maintaining your lifestyle.  Please feel free to contact Tory at 651-206-1076 or his email address is Tory@mortgage-planning.com today or visit him at his Tampa office as he’s a mortgage lender Tampa Fl and he lends in the state of Florida, Minnesota, and Wisconsin.