Loans By Campbell · Fort Lauderdale
Understand the mortgage decision before you make it.
Jared Campbell is a Florida-licensed loan officer. Buying, refinancing, or using equity, he shows you what each path means for your payment, your cash, and your timeline, so the choice is informed, and yours.
No documents or credit pull for a first conversation. An inquiry is not an application.
What are you trying to do?
Know your range before you shop.
The first conversation covers price range, down payment, and what a monthly payment would feel like, with no documents. When you’re ready, a pre-approval puts real numbers behind your offers.
- First-time buyers: low-down-payment options and what they cost over time
- Move-up buyers: timing a sale and a purchase
- Veterans: VA eligibility and what it changes
Find out whether it’s worth it, in numbers.
A refinance review compares your current loan with the realistic alternatives: payment, term, total interest, closing costs, and break-even. If the math doesn’t work, Jared says so.
- Rate-and-term, shorter term, or dropping mortgage insurance
- FHA Streamline and VA IRRRL options for existing government loans
- Break-even math explained before you decide
Three ways to use equity, and when each fits.
Cash-out refinance, home equity line of credit, or fixed home equity loan. They differ in rate type, cost, and what happens to your current mortgage. The right one depends on what you’re funding and how long you need it.
- Keeping a low first-mortgage rate vs. replacing it
- One-time cost vs. ongoing flexibility
- Florida closing costs on a new mortgage
Property type changes the rules. Start with the property.
Condos, 2–4 unit homes, investment properties, renovations, and new construction each have their own eligibility, down payment, and documentation. Jared helps you sort which programs can actually close on the property you have in mind.
- Florida condos: warrantability, reserves, and insurance
- Rentals: conventional vs. DSCR qualification
- Renovation and construction-to-permanent financing
The program should fit the plan, not the other way around.
An overview of what Jared can discuss with you. Each page explains who the option tends to fit, how it works, the tradeoffs, and what you’d need. Program availability through Jared’s lender to be confirmed.
By program
- ConventionalThe default for strong credit; as little as 3% down for eligible buyers
- FHAFlexible credit, 3.5% down, mortgage insurance included
- VAEligible veterans and service members; no down payment, no monthly MI
- USDANo down payment in eligible rural areas, with income limits
- JumboAbove the conforming limit; stricter reserves and credit
- Non-QMAlternative documentation for self-employed and unusual income
By purpose
- Get pre-approvedWhat it is, what it isn’t, what to gather
- First-time buyersLow down payment, assistance, and closing-cost realities
- RefinanceRate-and-term, streamline, and break-even math
- Home equityCash-out vs. HELOC vs. home equity loan
- RenovationFinance the purchase and the work in one loan
- ConstructionBuild-to-permanent with draws and one closing
By property
- CondosWarrantable or not, and why Florida is different
- Investment propertyRentals and 2–4 units, with rental income counted
- DSCRQualify on the property’s rent, not your tax returns
- Second homesOccupancy rules and down payment vs. a rental
- Manufactured homesTitle, foundation, and program eligibility
- All programs, comparedOne table, side by side
One person, start to finish. Here’s what that looks like.
A conversation
Your goal, your timeline, and what a payment should feel like. No documents, no credit pull.
15–30 minutes, by phone or in personOptions, in numbers
Two or three realistic paths with payment, cash to close, and tradeoffs side by side, in plain language.
You choose the pacePre-approval or review
When you’re ready: income, assets, and credit reviewed so your offer or your refinance decision rests on real figures.
Documents gathered through the secure portalApplication to closing
Formal application on the lender’s secure portal; Jared works the file with you, your agent, and the title company through closing day.
Jared to confirm this describes his processRealistic expectations: timelines depend on the program, the property, the appraisal, and how quickly documents come together. Jared will tell you what’s typical for your scenario rather than promise a number.
What people say after closing.
Reviews appear here only with each client’s permission and a link to the original source. Nothing below is real yet.
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Think in monthly terms before you think in price.
A principal-and-interest estimate for any price, down payment, rate, and term you enter. It’s arithmetic, not a quote.
Assumptions: fixed rate, fully amortizing, monthly payments. Excludes property taxes, homeowners and flood insurance, HOA dues, and mortgage insurance, which in South Florida can add a significant amount to the real payment. The default rate is a placeholder; see today’s market index for context.
Estimate only. Not a quote, pre-qualification, or commitment to lend. Your actual payment will include escrowed taxes and insurance and may include mortgage insurance or HOA dues.
How Jared works with partners, what to send, and what he won’t promise.
Talk it through before you decide.
Call, text, or send a note. Jared reads every inquiry himself and follows up directly.