Tiffany Brown | Broker Owner / Loan Originator NMLS# 1745973
We are a residential mortgage broker licensed in Florida, Colorado and Texas.
At Motto Mortgage Summit we strive to build a culture of excitement and sincerity in the mortgage industry and synergy with our clients and partners.
With a proven process from start to finish, we focus on prompt service and open communication to ensure a smooth and seamless transaction every time.
Whether you are a first-time home buyer, new to the area, have less than perfect credit, or are a real estate investor, our goal is to help you find the best home loan to fit your needs and get you into your dream home as quickly as possible.
Our Motto is Customers First – we work for YOU and not the bank.
With a number of wholesale lending partners, we are able to provide you with multiple competitive bids and streamline the process.
That means more transparency, more options, and information that is easy to understand.
At Motto Mortgage Summit we broker for the best deal, manage and communicate every step of the process and build relationships for life while always doing what is best for the client.
NMLS # 1747812, 1745973
Here at A3 Mortgage, we have the right loan program for you.
Whether you looking for a Purchase, Refinance, or Specialized Loans, we can do it!
We are committed to quality customer service – putting the people we serve first.
We can guide you through the loan process and assist you with your mortgage financing needs for a Home Purchase, Refinance, Home Equity Line of Credit, Commercial, SBA, Hard or Private Money loans.
I have been in the Mortgage business originating loans and helping people achieve their dream of homeownership since 1998.
After working at Equifax for over 10 years I accepted an opportunity to work for a local mortgage company that was originating loans all over the United States. I was drawn to helping people save money on the current mortgage they had as well as really enjoyed being a part of the purchases of their new dream homes.
In 2003, I was the President of Vertex Worldwide Mortgage Corporation and continued to focus on helping people here in the local Tampa Bay Area with their home purchases. I have invested in and owned several businesses here in the local area as an entrepreneur. Although it may be stressful, at times it can be very rewarding. My passion for helping people with the largest investment they will make being their home then led me In 2017 I decided to join on with Acre Mortgage and in 2019 our office made the decision to join on with Innovative Mortgage. This was a great move by our office as we were able to now become part of a company that has all the tools and technology to assist us in making sure that your loan is handled above the industry’s normal to ensure that the process for the customers is smooth and a great experience.
Aside from 22 years of Mortgage Knowledge I am a father to an amazing son and was cursed by my mom 45 years ago when she said “ Someday you will have one just like yourself…” So now it is a guarantee that for the next 15 years I will be at all of the Monster Jam’s with the Monster Trucks and Friday nights that used to be for Happy Hour have now been replaced with WWE Smack Down and Pizza ! I have a Jeep Wrangler and my son and I enjoy going to the Jeep Clubs off roading events, apparently I have a son that likes MUD (not a shock there).
I have helped many people buy that dream home and in a few cases have even helped their children buy their first home. These clients have become friends. I would love the opportunity to earn your friendship and be given the ability to help you with your mortgage needs.
Mortgage Loan Specialist NMLS# 1704694
~ Construction Loans
Construction loans are used to finance the construction of a new structure. Whether you’re interested in building a brand new home for you and your family or you’re looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you’re looking to construct.
~ Home Equity Loans
Home equity loans call for the borrower to acquire a new loan on an already mortgaged property using the equity you’ve built as collateral. Home equity loans are typically reserved for those looking to pay down medical or consumer debt, start a business or pay tuition. Please contact us directly if you’re interested in a home equity loan. Most states restrict the amount of money one can borrow against their home. Interest rates on home equity loans are generally higher than conventional loans.
~ Conventional Fixed Rate Mortgages (FRM)
A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years, 15 years, 30 years and 40 years.
~ Adjustable Rate Mortgages (ARM)
Adjustable rate mortgages are loans where the interest rate is recalculated on a yearly basis depending on market values. As interest rates are adjusted so is the borrower’s monthly payment. While interest rates on ARM loans are generally lower than fixed rate loans they can eventually become higher. Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. Contact us for more information on adjustable rate mortgage loans.
~ Jumbo Loans
A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $417,000. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates. Learn more about jumbo loans by contacting us today.
~ Refinance Mortgage Loans
Homeowners looking to decrease their interest rate may consider refinancing. A refinance calls for the homeowner to obtain another mortgage loan. Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage. Depending on your situation a refinance loan could be a great option. Along with decreasing your interest rate, refinance loans can also help you switch from an ARM to a FRM, and in some cases reduce your loan term.
~ FHA Mortgage Loans
FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don’t have enough funds to pay a traditional 20 percent down payment because they only require 3 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development.
~ Reverse Mortgage Loans
Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 65 or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installment. Once the loan term expires the house either becomes the property of the lender or the house can be sold to repay the debt. Reverse mortgage loans are great options for seniors looking to increase their monthly incomes.
~ VA Mortgage Loans
Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a $417,000 loan limit.
I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.
Get pre-qualified for your home loan today. We make it easy to get pre-approved.
Find the information and tools to help you with your home loan decision
We have loan options to meet your needs, from first time homebuyers to rehab to jumbo.
If you are searching for a mortgage loan professional that can take away the stress out of the buying or refinancing process, you will be delighted to meet Elvira Cardona.
She enjoys helping people reach their home purchase or refinancing goals: from understanding the financing to creating a relationship, her goal is always putting the client first.
Elvira does everything she can in her power to make each mortgage loan transaction a worry-free and enjoyable experience.
This is the type of mortgage loan professional you can trust and feel as if they are really aiming to do what is right for you.
Elvira’s 25 plus years in the mortgage business which include managing a team of 10 loan officers, 2 admins, training, underwriting and post-close funding have taught her the value of being an avid listener to her clients.
She analyzes their needs and combines insight and research to create the best solutions whether they are buying or refinancing or both.
Along with an immense amount of knowledge of the mortgage and real estate industry, she brings along an outgoing, enthusiastic, and personable personality.
Elvira is a Tampa native who considers her hometown to be Wesley Chapel, FL. She knows the areas’ communities, schools, and more like the back of her hand. Her ability to understand the areas’ market trends guarantees her client’s complete trust and confidence in any transaction process.
Her hardworking personality and approach to business will leave you feeling at ease during any mortgage loan transaction.
She is bilingual serving both English and Spanish clients.
Her website https://www.echomelending.com/ is user-friendly and will navigate one to apply for a mortgage loan.
For a successful mortgage loan experience contact Elvira Cardona today at 913-546-9777.
As a front runner in the financial industry, i3 Lending is a leading provider of mortgage services. With our large network of lenders, we are able to offer our clients the most competitive rates on the market, unique loan programs, and specialty products. Our commitment to building strong client relationships through expert customer service gives our borrowers the confidence that is necessary during the financial process.
License No. 291838