• Scott Kepler

    NMLS #833792

    (813) 444-8537

    scott@scottkepler.com

  • Mortgages Made Easy!

    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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    What are VA Home Loans? The Veterans Affairs (or VA) loan is a specific loan program to help veterans, active-duty service members and their families purchase a home. Authorized by the US Department of Veterans' Affairs, this loan option allows [...]

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    “USDA”, which stands for the United States Department of Agriculture, currently offers some of the few mortgage products still available for those looking to buy a home with no down payment. In times past, USDA loans were often considered [...]

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    HomeStyle® To be used on conventional loans for both appraiser-required repairs and repairs the borrower wants done to the property. It can be used on second homes and investment properties. The repairs can be structural in nature or cosmetic, [...]

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