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Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Yes! There are a number of bond programs that offer low or no down payment financing options.
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

The Hospitality Sales Professional Who Jumped Into Real Estate With Both Feet and Never Looked Back
Dennis Wells welcomed Jonas Seda of Century 21 Sunbelt Realty and the Birch Team to the podcast for a conversation about what nine years in the Sarasota, Englewood, and Venice market has taught him, why he chose a team over going solo from day one, how coaching transformed the team’s production, and why the opportunity in the current market is real for buyers and agents who are paying attention.
Jonas grew up around real estate. His father was in property management. His mother handled the administrative side of that business. His uncle was a real estate agent in New York City. He resisted following the family path for a while and then found himself doing exactly what they did. Before real estate he worked in hospitality sales where he developed a customer experience orientation that has been central to how he approaches every transaction since.
Why He Joined a Team Instead of Going Solo
Most agents starting out attempt to build their business independently and spend months learning by trial and error what experienced agents already know. Jonas recognized the inefficiency in that path and made a different choice immediately.
He interviewed several team leaders and landed with someone who had over twenty years of experience in the market. His reasoning was direct. That person had already made the mistakes, learned the lessons, and figured out what works. Why repeat the same trial and error when someone who has already done it is available to learn from? Joining a team let him compress his learning curve significantly and gain market presence that a new solo agent building from scratch would take much longer to establish.
He is also candid about the commission split objection that agents often raise when considering a team. His response reframes the question entirely. You are going to pay one way or the other. The question is which way produces the better outcome. A hundred percent of nothing is still nothing. A smaller share of a significantly larger production is a better financial result.
What the Birch Team Offers Agents That Changes Results
The infrastructure Jonas describes is built around a simple principle. Get agents in front of as many people as possible and remove everything else from their plate.
Transaction coordinators handle paperwork, inspections, and the administrative details that consume time without generating business. Marketing staff manage social media content and materials. Those are hours that agents on the team do not spend on tasks that do not move the needle. The more transactions an agent completes the more scenarios they encounter, the more confident they become, and the more efficiently they handle each subsequent situation.
The results Jonas cites are concrete. One agent came from another office where they had not been in front of a single real prospect in two to three months. Within two months at the Birch Team they had five contracts. Another agent who had done two or three sales in a year and a half produced nineteen transactions in their first full year with the team. The environment, the support structure, and the access to coaching created outcomes that individual effort alone had not been able to generate.
Morning Huddles and the Value of Collective Experience
The Birch Team holds a huddle every morning where agents discuss what is happening across their active transactions. Every scenario that comes up in someone else’s deal becomes a learning opportunity for every agent on the call. When a new agent eventually encounters the same situation they are not figuring it out from scratch. Someone on their team has already been through it and knows how to handle it.
The team also works with an external coaching program led by someone who was the number one agent in the nation by unit count for seven years in a row with over a thousand listings per year. Surrounding the team with people who are producing at that level changes expectations and standards in ways that internal motivation alone cannot replicate.
Jonas makes an observation about coaching that Dennis strongly agrees with. Joining the right program changed the team’s business trajectory dramatically. But beyond the program content the discipline of showing up consistently and not taking your foot off the gas is where the real results come from. He sees agents close a deal, collect a check, and coast for a while. They lose momentum. Getting it back takes significantly more effort than maintaining it would have required.
The Opportunity in the Current Market That Too Many People Are Missing
Jonas makes a point that connects directly to what Dennis sees on the lending side. Agents who are not actively transacting do not know what the market is offering right now. New construction builders are providing meaningful incentives including closing assistance and rate buydowns that make homes accessible to buyers who assumed they were priced out of the current rate environment. If you are not in the market regularly you are not aware of those opportunities and you cannot present them to buyers who need them.
Dennis reinforces this from the mortgage side. A permanent rate buydown produces approximately three dollars of monthly payment reduction for every dollar a seller contributes. That math changes the conversation for buyers who are focused only on purchase price and rate without understanding the tools available through seller concessions and builder incentives. The opportunity is there for buyers who work with professionals who know how to use it.
What Jonas Looks for in a Lending Partner
The relationship between the real estate agent and the lender shapes the client experience in ways that affect whether a deal closes and how the client feels about the process. Jonas describes a bad lender relationship as potentially killing a deal and damaging the overall experience even when everything else in the transaction goes well. Having the right lending partner is not a secondary consideration. It is part of what determines whether a client has an experience worth telling people about.
That last point connects to Jonas’s hospitality background in a way Dennis finds worth exploring. The experience does not end when the transaction closes. It ends when the client tells their friends, family, and coworkers whether they should work with the same team. A great experience gets told to one or two people. A bad experience gets told to the whole world. Both the real estate and the lending sides of a transaction contribute to which outcome happens.
The Philosophy That Runs Through Everything
Jonas describes his team’s approach with a phrase Dennis immediately connects with. Do not have commission breath. Do not taste the dollar. Clients can see right through someone who is more interested in the commission than in genuinely serving their best interest. The used car salesman mentality repels exactly the kind of clients who become long-term referral relationships.
When Jonas is working with a buyer and sees that a property does not actually fit their goals he says so. He explains why. The buyer’s response is almost always gratitude because they understand they are being genuinely looked out for rather than sold to. That trust becomes the foundation of a referral business that sustains itself over time.
Even in a market with AI tools giving buyers more access to information than ever before the fundamentals of the trust business do not change. People want someone in front of them. Someone they can have confidence in. Someone who will tell them when the information they found online is accurate and when it is not. That is still what professional real estate and professional lending are for and it is what Jonas and his team deliver every day.
How to Reach Jonas Seda and the Birch Team
Find Jonas on Facebook, Instagram, YouTube, and TikTok by searching Jonas Seda. Visit thebirchteam.com to connect for buying, selling, or joining the team as an agent. The Birch Team operates within Century 21 Sunbelt Realty serving the Sarasota, Englewood, and Venice market on Florida’s Gulf Coast.
Dennis Wells works with buyers throughout the Gulf Coast Florida area on mortgage financing and welcomes connections with buyers and sellers anywhere he can be a resource. Reach out to Dennis Wells to connect on the lending side of any transaction Jonas is working.
Sources
SarasotaAssociationofRealtors.com
NAR.realtor
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
Investopedia.com
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