Mortgage Tips

Avoid costly mistakes in your home buying process – see me ahead of time so I can help make your dreams of homeownership come true.

Mortgage Tips – What to Avoid

My team and I are here to help your dream come true. During your mortgage application there are a few things that you, the client, need to be aware of so that the mortgage loan process goes smoothly.

You may not be aware of new laws protecting borrowers rights also gives the lender the right to check your credit at anytime during the loan process up until it the loan actually closes. Any recent changes to your credit report could affect your loan even after approved.

Don’t Do…

Questions? ​Call me at

Please don’t jeopardize your mortgage loan application and approval with credit report changes!

Make sure your loan application gets approved.

DO NOT have ANYONE check or pull your credit including yourself.

DO NOT apply for any type of credit. Make sure you avoid all offers.

DO NOT move money between accounts with out talking to my team first.

DO NOT make any large unexplained deposits in your account during the process.

DO NOT use your current credit cards for ANY expense beyond usual and customary.

DO NOT close any current credit accounts.

DO NOT change your employment or give resignation letters until after your loan closes and is funded.

I know this is an exciting time but it is not the time to buy that new car or go buy new furniture. Please wait until after your loan application gets approved and the loan closes.

My team and I are committed to getting your loan approved and closed but we need your help to achieve this.

If you think something may arise that could change your current credit please call me right away at 239-470-6086. The lender will verify your credit at anytime during the loan process up to the hour of closing.

I process mortgage applications for the entire state of Florida and am conveniently located for clients in Fort Myers, North Fort Myers, Cape Coral, Lehigh Acres, Punta Gorda, Estero, Bonita Springs, and Naples.

Making Your Dreams of Homeownership Come True! 

Customized Mortgage Solutions

Current market conditions can make it difficult to obtain a home through the standard banking system. As my client, you will receive personalized, customer based mortgage loan services. Explore your options as we craft a strategic mortgage program tailor-made for you and your family.

Years of Experience

Average secured mortgage loans per year

Do I qualify for a mortgage loan? How much can I afford?

My clients concerns are my concerns. I’m Debbie Martin, Licensed Mortgage Loan Originator with Florida Mortgage Funding Group, servicing both home purchases and refinanced mortgage loans throughout Lee County and the entire state of Florida. I love what I do, and that’s why I do it so well! Whether it’s your first starter home or a million dollar retirement home, I will go the extra mile to guide you through the mortgage loan application process and secure the mortgage loan financing that puts the keys to the new home of your dreams in your hand!

Financial Advice

You need an experienced professional guiding you through the process.

Mortgage Loans

I have multiple avenues for financing or refinancing your home loan.

Safe and Secure

Trusted processes that keep your information secure and protected. 

Getting You Approved

Don’t think you’ll get approved for your dream home, think again. For many years I have helped hundreds of singles, couples, and families secure a mortgage loan, even after they were turned down by others. If you are FED UP with a loan officer who can’t seem to secure a loan for you, call (or text) me. (239) 470-6086

Dedicated to Serving You!

From my experience, many buyers don’t understand exactly how much they can afford when purchasing a home. Schedule a meeting with me where we will establish a budget that works best for your family to get you into your dream home at a dream price.

Mortgage Loan Types

Working with Florida Mortgage Funding Group gives me multiple avenues for financing or refinancing your home loan.

Mortgage Tips

 During your mortgage application there are a few things that you, the client, need to be aware of so that the mortgage loan process goes smoothly.

Apply Now

Click here for online tools to submit a secure online mortgage application, and find the home loan option that best suits your needs and goals.

Satisfied Customers

“Debbie is an amazing amazing loan officer. She always delivers excellent service above and beyond the highest expectations. She closes her loans on time and is very creative. She is willing to work on tough loans, not just the easy ones. Highly highly recommend her.”

Char S.

“Just a note to express to you my appreciation for all your “efforts” in helping me secure the loan on my house (condo). You are truly a “life saver.” You pulled it off!!! And for that I say, Thank You Very Much. Please enjoy dinner with your hubby on me. Gracias!!!”


1642 Medical LN Ste A
Fort Myers, FL 33907

NMLS #1057755

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