Empowering You With Knowledge and Tools to Make Smart Mortgage Decisions
Mortgages Made Easy - The Book
Everything you need - in one simple, step by step guide.
This must have resource breaks down the mortgage process with clarity and ease. Perfect for first-time buyer or anyone needing a refresh. It's your key to unlocking the door to homeownership. Don’t start your journey without it.
Confident homebuying starts with knowledge
Most real estate agents require buyers to be pre-approved.
In order avoid unnecessary stress and not waste anyone's time, most real estate agents require buyers to have a pre-approval letter before scheduling showings, and many sellers won’t consider an offer without proof of funds or a pre-approval letter from a lender. In today’s market, with an abundance of financing options and information overload, navigating the home buying process can feel overwhelming—but knowing the requirements and being prepared upfront is the key to making sure you are going in the right direction.
Turn the key to your future with confidence
Get ready, approved and closed on your new mortgage.
Lenders consider these five key areas when reviewing your application:
- Credit Score – The higher, the better
- Monthly Income – Steady and verifiable
- Monthly Debts – Determines your debt-to-income ratio
- Cash to Close – For your down payment and closing costs
- 2-Year History – Employment and residence stability
Get these in order, and you’re ready to move forward with confidence
Understanding your credit score
Credit scores determine available loan programs and rates.
Most credit card companies use different scoring models than mortgage lenders, which often leads to confusion. Lenders use a specific FICO score for mortgages that may be lower than what you see on credit card apps.
Too many hard inquiries can lower your score and stay on your report for up to two years—so be strategic. Soft pulls (like checking your own score) doesn’t affect your credit.
To maximize your score:
- Set up auto pay to avoid missed or late payments
- Do not max out your credit cards
- Keep older accounts open
- Aim to keep your balances at or below 30% of the credit limits
Know your numbers
Your credit, income, and debts directly impact your buying power.
Use our practical tools—like monthly budget planners, DTI and LTV worksheets, and mortgage calculators—to clearly understand where you stand. These resources will help you assess your financial readiness, set realistic goals, and identify the loan options that fit your situation—so you can move forward with clarity and confidence.
Need help from a Professional?
Ready to take the next step, but not sure where to start?
Let’s talk! A mortgage consultation is the perfect way to get clear, personalized guidance based on your unique financial situation. Whether you're buying your first home or exploring your options, I’ll walk you through the process, answer your questions, and help you feel confident every step of the way. Let’s make your homeownership goals a reality—schedule a free 30-minute consultation today!
Veteran Loans
Thank you for your service!
VA loans offer powerful benefits for eligible veterans, active-duty service members, and surviving spouses—including no down payment, no private mortgage insurance (PMI), and competitive interest rates. It’s a flexible, cost-effective option designed to make homeownership more accessible for those who have served.
Explore Investor Loan Options
Ready to grow your real estate portfolio?
Than it's time to look at the next level with investor mortgage loans. Whether you're looking to grow your rental portfolio, flip properties, or generate passive income, investor loans offer powerful financing solutions tailored to your goals. With flexible terms, competitive rates, and options designed specifically for seasoned borrowers, now’s the perfect time to explore how your expertise can work harder for you. Let’s unlock the potential of real estate investing—starting with the right loan.
Workshops and Events
Workshops and Events
Workshops and Events
At our core, we’re dedicated to educating and empowering your real estate journey. We offer comprehensive first-time homebuyer classes and workshops that demystify the mortgage process, complete with on-site pre-approvals to help you get started with confidence.
For seasoned investors, our advanced workshops explore the various investor loan options designed to maximize your potential returns without utilizing your personal income. Join us to gain the knowledge and support you need.
About Us
Workshops and Events
Workshops and Events
We are an education-focused company committed to helping future homebuyers achieve the American dream of homeownership, while also supporting real estate professionals and investors in understanding the full range of loan options available. We do not originate, approve, or deny loans—we exist solely to educate, inform, and empower individuals to make confident, goal-aligned mortgage decisions.
If you wish to get pre-approved or apply for a mortgage loan, you can contact Grace Dionne directly at:
786-488-8372
Mortgage Loan Originator | NMLS# 1176154
PMF INC
3325 Hollywood Blvd. Suite 402
Hollywood, FL 33021
NMLS 2679973
TESTIMONIALS
Workshops and Events
TESTIMONIALS
We’d Love to Share Your Story!
If we’ve helped you on your journey to homeownership or real estate success, we’d be honored to feature your experience.
Your testimonial can inspire others who are just starting out.
Your success story may just be what someone needs to help them get the courage to take that next step towards their dream of homeownership!
We look forward to hearing from you!
Thank you for helping others feel confident in taking their next step!
