Palm Beach Mortgage Lender

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Achieving Residential Home Financing from $400,000 to $30M at Competitive Rates

Starting with Desired Mortgage and Not the Interest Rate

Find out why the interest rate is not the first thing to look at when it comes to how much home you can buy.

Creative Thinking, Beautiful Outcomes

You deserve better! We will take the time to understand your unique situation which will provide the best home you can afford.

Over-Communication Strategy

When there's a big business deal brewing, teams over-communicate to ensure success. We carry this same philosophy to ensure you things are moving toward success.

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If You’re Looking for a Palm Beach Mortgage Lender…

Call Us First! We’ll get you into the best home possible with your available mortgage dollars.

Here’s How…

Our Promise to You Palm Beach

Our experience will save you thousands Palm Beach, virtually eliminate missteps in the process, and get you into the best home possible with your available mortgage dollars.

We are a 24x7x365 Personalized Concierge Mortgage Broker who understands the complexities of the Palm Beach brokerage and Palm Beach real estate markets. We have earned rock-solid trust with the lending community with countless successful mortgage approvals spanning well over two decades.

We have three things to make our Palm Beach mortgage lender approach more effective than anyone else.

We Over-Communicate

We "over-communicate" using technology and good old fashion relationships as anything important be it work or family requires constant and vigilant communication.

Proven Methodology

We have a proven methodology with detailed process so nothing gets missed. You are aware of the status and next steps throughout the process

Understand Unique Situtation

We take the time to understand a Client's unique situation and problem solve through it to achieve the best outcome; we call this out of the box thinking.

Seeking a Palm Beach Mortgage Lender?

Discover Why Us...

Best home for your monthly mortgage investment, bar none
Best loan option and interest rate for your specific situation
Best privacy with your information
Best likelihood of closing without missteps or delays
Best timeline & success rate

Scenarios of Our Typical “Complex” Problem Solving Expertise

Scenario: Bridge Loan

Background: A buyer is buying a property for $3.5mil with a 20% down payment ($700,000). He has cash on hand of $500,000. He has a property that he wants to sell for $1.8mil. He owes $800,000. He has an Equity of about $1mil.

Tactics: To solve this problem a Bridge Loan is done on his present home that must be listed for sale. The Bridge Loan can go up to 60% of the property appraised value (assume $1.8mil). Therefore, $1.8mil x .60=$1,080,000. The present mortgage on the property is paid off and he/she uses the balance towards the down payment on the new home. $1,080,000 – $800,000 = $280,000 leftover.

Result: Needs balance of only $200,000 for a down payment. The Bridge loan is a 1-year Mortgage. This gives you ample time to sell your present home.

Scenario: Cross Collateralization

Background: A man owns a house valued at $1.6mil and has no mortgage on the property. The buyer wishes to buy a new home for $1.8mil.

Tactics: The lender will lend against both properties of $1.6mil + $1.8mil= $3.4mil value. The lender would lend up to 60% (3.4x.6=$2.04mil) The buyer only needs $1.8mil for the purchase.

Result: The buyer will be able to buy the new property with no down payment. The buyer only pays for closing costs.

Scenario: Bank Statements for Self Employed

Background: Many self-employed persons write off a lot of expenses that decrease their income to not qualifying for a standard loan.

Tactics: With the bank statement program, we can use either their personal or business bank statements for their income. The way it works, using 24 months of business bank statements, all the deposits are added up and averaged out for the 24 months. To account for the business expenses, we either use 50% of the income calculated or an Expense Letter from the CPA that states the cost factor in percent of the business (i.e. 30% expense factor). We would discount the monthly income by 30% instead since it is better than a 50% cut. If you were in a cash business and you deposited the cash into your personal account, we would generally use 100% of the deposits subject to the type of business that you have.

Scenarios: Income from Financial Instruments

Background: People that do not have employment but have ample funds in a financial instrument can qualify using these financial instruments without touching them.

Tactics: For example, if you had an annuity of $4mil, you would divide that by 72 months (6 years). The result would be your monthly income. for this example, $4mil/72=$55,555.56 monthly income used on the mortgage application to calculate your Debt-to-Income Ratios.

Many Have Searched for a
Palm Beach Mortgage Lender
(see what they are saying)

"Chris is the best, knowledgeable and always takes my call! He was able to get me in my first home, at a great rate and 1 year later he is still guiding my family and I. I am so grateful for his professionalism and guidance!"

Soranny Lopez

"Christopher Pierce of United Wholesale Brokers was recommended to my by a good friend when I decided it was time for me to buy. Christopher went above and beyond to get me a mortgage. He is experienced and knows what he is doing. I highly recommend Christopher Pierce at United Wholesale Mortgage."

Kelly Collins

"Our experience working with Chris was wonderful and unparalleled. He is professional, thorough, and honestly exceeds all expectations. If you want someone who is personable, and who will walk you through the process to homeownership, then he is your guy. We are so grateful to him for all his help."

Brooke Carvalho

"Hi my name is Elaine and unlimited mortgage company they walk with me from start to finish everything. I need to no now i am jumping.dancing in my own place thanks you unlimited Mortgage...."

Elaine Penick

"Thank you very much Corye. Working with you and your wife was such a pleasure. If you ever have any questions even though you have already closed, I will always be here for you and your family. TY, Christopher Pierce"

Corye Readon

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If You’re Looking for a Palm Beach Mortgage Lender

Call Us First! We’ll get you into the best home possible with your available mortgage dollars.

Here’s How…

1.) ONLINE PRIVACY STATEMENT

This Privacy Statement describes the online information collection and use practices of the Website UnlimitedMortgageLending.com (“UML”) and its corporate divisions and business affiliates. This Privacy Statement does not in any way describe UML’s offline information collection and use practices, or the practices UML employs when collecting information online through means other than the above-listed Website. An example of such additional information collection practices includes but is not limited to you as a customer of Unlimited Mortgage Lending, L.L.C., or site user sending UML an email message. “We” or “us” or “our” or “UML” refers to UnlimitedMortgageLending.com and its owners and/or affiliates. UML is strongly committed to protecting the Privacy of our customers.

2.) CHILDREN’S ONLINE PRIVACY “COPPA” INFORMATION

The Children’s Online Privacy Protection Act of 1998 is a United States federal law, located at 15 U.S.C. §§ 6501–6506.

The the following explains our practices with respect to the online collection and use of personal information from children under the age of 13, and provides important information on your rights under federal law with respect to such information:

We do NOT knowingly collect personally identifiable information from children under the age of 13. We screen users who wish to provide personal information in order to prevent users under the age of 13 from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of 13, we will immediately delete such information from our records. If we change our collection practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of 13. If at any time we establish or begin providing services on any website that in anyway meets the criteria of COPPA, we will ensure that full compliance is met in every aspect of COPPA.

Due to the fact we do NOT collect any personally identifiable information from children under the age of 13 we also do NOT knowingly distribute such information to any third party.

We do NOT knowingly allow children under the age of 13 to become customers, or otherwise, distribute personally identifiable contact information.

Due to the fact we do NOT collect any personally identifiable information from children under the age of 13, we do NOT condition the participation in any online activities of a child under the age of 13 on providing personally identifiable information. However, even as outlined above we do NOT knowingly allow children under the age of 13 to access and use UnlimitedMortgageLending.com in general.

3.) ACKNOWLEDGEMENT AND ACCEPTANCE OF TERMS

UML its divisions and affiliates are committed to protecting your Privacy. This Privacy Statement is current as of the updated date listed above and sets forth our current privacy practices with regard to the information we collect when you or your computer interacts with our Website (s). By accessing UnlimitedMortgageLending.com or any affiliates or divisions, you as the end-user viewing this information and/or Website acknowledge and fully understand UML’s Privacy Statement and freely consent to the information collection and use practices described in this Privacy Statement. By submitting information to UML through this Website or otherwise, you are making an inquiry as to lending programs and services offered by UML and give UML permission to contact you through Email, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.

If UML makes any substantive changes to this Privacy Statement we will announce it on our Website (s) and revise the current date listed. If you have provided us with the contact information, we will send you a notice to the email address we have on file for you. UML will not be responsible for inaccurate or outdated email addresses when supplying Privacy Statement updates. If you have any questions or concerns regarding this policy, contact us at legal@unlimitedmortgagelending.biz. Once the changes have been made, your continued use and/or access of the Website will constitute your acceptance and consent to the information collection and use practices described in the revised Privacy Statement.

4.) PARTICIPATING ADVERTISER AND MERCHANT POLICIES

UnlimitedMortgageLending.com may contain links to websites owned and operated by unaffiliated third parties. These links are provided as a service to you as a customer and/or user and do not constitute UML’s endorsement or support of the third-party websites or the information or content contained within the third-party web sites. Related services and offerings with links from this Website have their own privacy statements that can be viewed by clicking on the corresponding links within each respective Website. Unaffiliated third parties who provide information and links through UML are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards Privacy. However, since we do not have direct control over the policies or practices of participating merchants and other third parties, we are not responsible for and do not endorse the privacy practices or content of those sites. We recommend and encourage that you always review the privacy policies of any third parties before you provide any personal information or complete any transaction with such parties. Please contact each third party provider directly if you have any questions about their privacy policies or the information they require for you to complete any transaction.

5.) INFORMATION WE COLLECT AND HOW WE USE IT

UML collects certain information from and about its customers and users, subject to the provisions as outlined in Section 2 above, in the following ways which include but are not limited to: directly from our web server logs and from cookies. UnlimitedMortgageLending.com also collects information volunteered by you in several areas, including loan applications, mortgage information requests, account pages, logins, site registrations, and surveys. Certain information we request for you to participate in certain features within the website(s) may include but not be limited to personally identifiable information such as name, address, telephone and fax numbers, email address, and billing information. We will at all times inform you at the time we collect information, whether the information requested, is necessary for you to participate in a particular feature or access a particular product on the website(s).

We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including but not limited to, the following:

To fulfill your service requests for loan processing, services or funding authorizations

To respond to legal process including a court order or comply with federal, state or local law

In connection with a merger, acquisition, or liquidation of UML or its affiliates and business divisions

The information collected may also be used to respond to specific requests by you including sending you periodic information and special offers from UML or its affiliates and our sponsors and/or advertisers, to provide you with updates on offerings and features, to provide you with product information from affiliates in UnlimitedMortgageLending.com database, to provide notice of changes to Terms of Use and Privacy Statement. The information provided by you may also be used to better understand customers’ interests and usage behavior, and maybe collected and/or combined with information from affiliates of UML online or offline sources.

We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan.

Credit Report Data: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.

Newsletter Request: We may provide you with the opportunity to subscribe to E-newsletters and other Email based communications. You may unsubscribe by following the instructions provided in each Email newsletter. UML follows all CAN-SPAM Act 2003 regulations.

Use of Cookies, Web Server Logs and other electronic information collection mechanisms.

When you visit our Website (s), we may track information to administer the Site and analyze its usage. Examples of information we may track include:

Your computer’s Internet protocol address or I.P. address.
The kind of web browser or the computer you use.
Number and type of links you click within the Site.
Locality including the state or country from which you accessed the Site.
Date and time of your visit(s).
Name of your Internet service provider.
Pages you viewed on the Site.

I.P. addresses are collected for system administration purposes and for use in studying how people use our Site (s) and how UML can improve the use of the Site. UML may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page or account or navigate within the Site, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality.

UML may use cookies to identify customers and to automatically give them access to previously stored information. UML may also use cookies to estimate our audience size and usage patterns and to track the aggregate number of customer returns at our web site(s). UML may also use cookies to simplify certain processes on the Website (s), including but not limited to the filing out of certain forms.

You have the ability to accept or decline cookies by changing certain settings of your web browser. If you reject cookies by changing your browser settings, then be aware that this may disable some of the functionality on our Website.