• Scott Kepler

    NMLS #833792

    (813) 444-8537

    scott@scottkepler.com

  • Mortgages Made Easy!

    Components of the Mortgage Interest Rate

    Mortgage rates, for the purposes of this article, will refer to the most commonly-quoted loans available through the most prevalent channels.  That essentially means conforming, fixed rate loans—especially 30yr and 15yr fixed.  It’s not that[...]

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    Are Subprime Mortgage Loans making a comeback?

    Most of the readers will certainly remember the crash of the mortgage market a few years back.  And most would likely point their fingers at the subprime mortgage loans that were running rampant at that time, often offering 100% financing with low [...]

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      Law enforcement officers, pre-Kindergarten through 12th grade teachers, firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD [...]

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    No-Money-Down Mortgages & Low-Downpayment Loans

    YOU DON'T NEED 20% DOWN TO BUY A HOME Housing is making a comeback!  Since the start of 2012, home values are up nearly thirty percent nationwide. Unfortunately, rents are rising just as fast. In many U.S. markets, it's more economical to own a home[...]

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    Helpful Documents

    Here are a few documents and forms that are commonly needed or requested during the loan process.  You can click to view or download any of them in PDF format. 

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    Are you looking to buy a larger, more luxurious abode? A jumbo mortgage might be right for you.   What is a jumbo mortgage? A jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac, the[...]

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    How to Lower your Monthly Mortgage Payment Why do people refinance their homes? There are many reasons that a homeowner needs to refinance his/her home and one of the most prudent reasons is to lower their monthly payment by getting a lower interest [...]

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    A mortgage that has a fixed interest rate for the entire term of the loan. The distinguishing factor of a fixed-rate mortgage is that the interest rate over every period of the mortgage is known at the time the mortgage is originated. The benefit of[...]

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    An adjustable rate mortgage (ARM), variable rate mortgage or floating rate mortgage is a mortgage loan where the interest rate on the note is periodically adjusted based on an index. An Adjustable Rate Mortgage, or ARM as it is popularly referred to,[...]

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    A FHA mortgage is run by the Federal Housing Administration, FHA home loans were created to make it easier for homeowners to qualify for a loan - whether to buy a home or refinance your mortgage. Whom is an FHA Loan Best For? FHA home loans can [...]

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