Make a blog


11 months ago

Mortgages for Firefighters


Mortgages for First Responders / $0 Lender Fees

Real Savings & Rewards for Our Nations Heroes
“All the best heroes are ordinary people who make themselves extraordinary.”  – 754-202-4376

Testimonial :

Michael Weishaar – Firefighter


I just wanted to say thank you to Morry Newman of American Hero Mortgage for all his help in obtaining my properties. Morry first helped me 5 years ago in my first house purchase and then again this year. Morry was with me every step of the way to handle every obstacle that came up and making sure my closing went as smooth as possible. Thank you Morry for all your help, and look forward to hearing from me in the future.

Michael Weishaar
Firefighter Pembroke Pines FL

11 months ago

Mortgages for Health Care Professionals


American Hero Mortgage offers home buyer programs for nurses. Whatever your situation is, whether you are a first time home buyer, or are currently in a home and looking for something new to purchase, we are here to help. We have tailored home buying mortgage programs specifically for nurses, which we are confident you will find to be your best option when comparing us to other mortgage lenders. These include special low fee, low interest rate, and top priority underwriting on home purchases.


The very first step in the home buying process is the see how much loan amount you can qualify for which is largely based on your income and current financial liabilities (debt-to-income ratios). We would be glad to assist you in the pre-qualification process. To pre-qualify for a home loan contact us today. Once you know what you qualify for, you can then decide how much you want to spend within that limit.


If you have questions or would like to get more information about specialty mortgages for nurses, please call us Toll Free: (754) 202-4376 or go to


Jason Thomas - Registered Nurse


I have been a Registered Nurse for 15 years. During my professional career, I have had to deal with many situations where people have had to depend upon me for advice and counsel regarding their healthcare. Now, I was in a position where I needed counsel and advice regarding refinancing my house and not understanding the process, I was blessed with meeting Morris "Morry" J Newman of American Hero Mortgage.


Mr. Newman sat down with me and explained the entire process, gave me a plan of action, and helped me follow through with my plan. During that complete process he was able to guide me through the fog of mortgages making the process very transparent and would take the time to make sure I was completely satisfied with the process. I am very happy to say that Morry not only helped me secure a low interest mortgage but he went beyond and helped me increase my FICO score by 100 points which is huge! He did this process within a week of finding out my outstanding debts, created a process in which those debts would be addressed and paid. If you are even thinking about refinancing or finding a mortgage, I would highly suggest that you speak with Mr. Newman at American Hero Mortgage.


Jason Thomas, RN
Executive Healthcare Staffing
Tel: 305-942-1527

1 year ago

Mortgages for Nurses



Buying a home can be an overwhelming process. How do you know what kind of house you want? What kind of neighborhood? How many rooms? What amenities are important? Whatever type of home you want, obtaining a prequalification letter from your mortgage broker is your first step to buying a home. It outlines what you can afford to buy so when the time comes to start shopping you and your real estate agent have a set price range to follow in finding your perfect home.


By filling out a loan application on my website,, I will be able to assess the type of loan that’s best for you. Although filling out our full version will allow us to get your loan process started more quickly, there is also a "Quick Application" version that lets us know how to contact you. And, you can always save your work and come back to complete it when it’s convenient for you.


Everything is 100% secure and we’ll never share your information with anyone except by permission—that is, if you’re giving us information to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by Federal law to keep your information secure.


A home is likely one of the biggest purchases you'll ever make. I want to ensure the process goes smoothly. Please feel free to contact me with any questions.

Morris Newman
American Hero Mortgage
12323 SW 55th St Ste 1002
Cooper City, FL 33330-3312


Our Valuable Clients Testimonial :

Home loan for nurses
I want to thank Morry Newman of American Hero Mortgage for all your hard work and dedication. Your determination made it possible for my family and I to have a place to call home.
Thank you again for making this dream come true.

Julie Baez
Registered Nurse
Memorial Hospital Miramar

Mr.Newman sat down with me and explained the entire process, gave me a plan of action, and helped me follow through with my plan. During that complete process he was able to guide me through the fog of mortgages making the process very transparent and would take the time to make sure I was completely satisfied with the process. I am very happy to say that Morry not only helped me secure a low interest mortgage but he went beyond and helped me increase my FICO score by 100 points which is huge! He did this process within a week of finding out my outstanding debts, created a process in which those debts would be addressed and paid. If you are even thinking about refinancing or finding a mortgage, I would highly suggest that you speak with Mr. Newman at American Hero Mortgage.

Jason Thomas, RN
Executive Healthcare Staffing
Tel: 305-942-1527
Fax: 877-551-6294

1 year ago

Mortgage loan Processing & Procedure



If you need to have new home loan or you need to refinance the current loan you need to have processing loan to do so. This loan processing is done by the loan originators, brokers, processors and other professionals. Due to lengthy process of loan it need many borrowers with different background.


The loan process done by loan originator or they contact by potential borrowers and it can also be initiated by home buyer who need to have bank to finance it and once you complete the loan process it will guarantee you that your company will make money on this and also you can make money by closing the more loan processing. After anyone apply for loan, loan processor contacts the loan originator and borrower to start the procedure. The wise step when you are applying for loan procedure first to close the lower interest as market can go up. You can secure lower rates as much as possible. Another advantage of this loan is that they have low monthly payments this will not only give you financial flexibility but will also lower the risk of losing the home.


When the processing Team Start the procedure they will ask borrowers to supply all relevant documents and details of property for verification purpose. These document will comprise of list of asset, liabilities & earning potentials of borrowers. Personal documents may include all the assets, property and your current income. If borrower can give all document at once and correct process can be expedited fast and done quickly.


After this Procedure team analyze all document and as per estimate they will provide loan applier the home buyer (GFE) Good Faith Estimate document, closing fees statement and the approximated terms of the home mortgage loan. After that they will collect all documents for verifications mostly these document are personal document of borrower which include pay slips, bank statements, tax returns and the credit reports. When borrower producing his or her personal document he or she must have produce all relevant document for his or her source of income as now a days lot of people has different source of income so they must product this so that lender can verify them properly and also come with good offer after it.


Most of time lender will check the total income with total liabilities and loan processing team will ensure that borrower has proper income source with covering all liabilities and if eligible for securing loan insurance or not. They will also appoint person who is in charge for getting valuation of home for which lender is giving loan. Loan processing proceeds only when the gathering of the documents and property appraisal are completed.

1 year ago

Three Reasons to Get a VA Loan Today



1. No Down Payment

When you purchase a new home, you are required to come up with a certain amount of money for the down payment. This can range depending on the total price of the home and can often be an expense that is quite costly. Many families have to save up for years to afford a new home’s down payment. But with a VA home loan, that down payment is waived in the majority of cases. This means a veteran can become a homeowner with no money down, allowing them to have a piece of the American Dream a lot easier. It’s the only loan available today with no down payment!


2. Lower Interest Rates

Another benefit of this loan is that the borrower usually gets a lower interest rate than what’s ordinarily available with other types of loans. This translates to lower monthly payments and the borrower will be able to pay down the amount of their loan a lot faster than others with a higher interest rate.


3. No Private Mortgage Insurance (PMI)

As a result of the housing recession that happened some years ago, banks are now insuring themselves in case anything like that happens again with the addition of private mortgage insurance, which is an added fee to loans that don’t have the needed 20% down payment of the appraised value of the home. This insurance protects the lender if you ever default on your monthly payments. Since military men and women don’t need a down payment, they are not required to have PMI and this results in lower monthly mortgage payments.


To give back to these brave men and women, the US government offers a special VA loan, which is a great opportunity to afford the American Dream and be a homeowner. VA home loans are exclusive to those who bravely served our country and are available to those who have served our country and offer a number of advantages. Here are some of those benefits.


I just want to say how thankful I am with American Hero Mortgage and Morris Newman his dedication changed my life. There’s nothing more profitable to your finances than your house. It’s the largest tax shelter working class citizens have. Mr. Newman fought diligently for my loan, my house and closing. If you’re a veteran, firefighter or just a plain old Jane call him and start the process, and put someone on your team that has knowledge class and experience. I’m writing this post sitting in my new house wow. Seven weeks ago I was in Miami now I’m in Coral Springs. Thank father in heaven


William Higgs

William Higgs

Veteran & Firefighter for Miami Dade Fire Rescue

1 year ago

Firefighters & Law Enforcement in Broward or Palm Beach County


If you would like to remove your property from public records below is a link that will give you directions. It's important to keep your information confidential.


Chapter 119 of the Florida Statutes governs public records law. Not all records are required to be “in the sunshine.” The Florida Legislature has created many exemptions to public records law. If you qualify under these exemptions, you can request that certain information be redacted from the public records available on this website.

A fictitious name: This name can be a spouse’s maiden name or any other name that the post office will recognize to deliver important documents. Please provide a copy of your law enforcement credentials (if applicable, or other supporting documentation, for other eligible professionals) along with your Supervisor’s signature. Your supervisor must sign in the shaded area. Active Firefighter certified pursuant to FL Stat. 633.408, and/or their spouse or child. Below is a link which has all the information needed to help you keep your information confidential.


Broward County Link :

Palm Beach link



"Rates are not going to stay this low forever."
"Now is the right time to get that house you always wanted"
“Reduce or eliminate Mortgage Insurance with a refinance”
Call now (754) 202-4376

1 year ago

Opportunities of Mortgage Loans and Refinancing Options


What is a mortgage loan if we see basically mortgage loan is kind of credit which is basically assured by real estate property with use of mortgage note which proof of existence of loan and burden of that land will be transferred to mortgage which will secure the loan. Basically loan is used to invest in acquisition of real estate with payment period and interest rate which will combine and it will consider as monthly payment against that loan. Mortgagor gives the land as mortgage to lender with a particular note of as adjuvant for the loan. The land will become freehold after the borrower return back all loan with interest.


It is only lending companies or financial organization which offers to potential buyers to allow them to access a property, be it a house, flat or commercial space. There are lot of varieties of home loan refinancing and loan is one of the most significant financial equipments of the banking and financial systems. As we know and quite aware basically home can be of fixed or variable and this is why flexibility in loan interest is great advantage for the same. This is because of mortgage loans only lot more people are now buying houses or building house who are not able to do at whole cash prices. To repay loan it completely depends on local taxes, law and local culture and there are various methods to pay back the mortgage loans. The returning back may count on locality, tax laws and existent culture. Even borrower may get benefit of taxes during some period of loan. for example: a home equity loan provides people access to funds when they require the money.


New trend in loan mortgage industry is coming up as refinance loan which is picked by borrower basically to close basic loan and reduce the monthly installment with better interest rates. It has see giant increase/leap in last so many years. As property prices is fluctuating so the loan rates it is always wise to have refinance options with better rate of interest which can help borrower to keep an eye on their loans. It is quite sensible and intelligent decision in this economic environment. Not only you can reduce your interest rates but as government has introduced various policies and programs which makes mortgage loans refinancing industry very attractive.


Lot of reasons for people to option for refinance mortgage loans. Mostly they find easy and convenient to use their property for paying off huge interest credit card and other bills. Also it reduce the monthly bill payments due to low interest.


Considering refinancing mortgage is such a crucial resolution that can change one's life in a different amusing way.

1 year ago

Mortgage Loan Options for Veterans


When you joined armed forces many people will dream to have their own home and that is their primary goals .Lot of people in armed forces put their earnings as saving to buy their dream home. But more or less armed forces people lot of times does not have right financial standing and they seek help for landing agencies to help them for overcoming these financial difficulties for purchasing home. Considering these facts & problem on ground the United States Department of Veterans Affairs is now offering a VA Mortgage Loans program that will help enable veterans and other eligible people to have access to loans for building or purchasing homes and related property according to their eligibility and choices.


About VA Loans :


As we aware of facts VA home loan program which is also known as VA home mortgage is actually the government’s way for guaranteeing loans for veterans. The problem for lending the veterans for VA home loan scheme is it can lapse, but as government is standing behind it and this protects the lenders for giving the loans to veterans and it really creates a friendlier environment for veterans for getting loan approvals easily for building their own home or purchase a new home. Basically the loan is given by lender only by it is backed by government and only accredited provider can gives loans for veterans.


About Benefits of VA Loans :


As we aware that for Veterans VA loans is completely backed by government and this is why lenders are ready rather eager to give loans to veteran for VA mortgage and this is why the VA loan market becomes great for veteran & it is creating healthier and more competitive environment for veterans. All the properties which have been bought by veterans under VA loan mortgage scheme are appraised by VA and give the idea about the market value of those properties to protect them for overpricing the properties during purchase & protect them from overpricing or dubious purchases. Not only that but also VA helps all veterans to choose right contractor and make sure that they will fulfill their contract professionally for building homes and there will be no obligation left on contractor or any issues arises thereafter. Even veterans enjoy no down payment benefit in VA loan mortgage scheme and no need for private mortgage insurer also along with no penalty fees. When the time comes even VA helps veterans to pay their loans back.


Procedure for getting VA loan :


Veterans can easily apply for VA loan for their new home build or also for refinancing a previous loan. It is always advisable to check with industry expert for having exp in deal with the VA and many VA approved lenders to ensure the best out of it. It is best to choose between many different lenders as there is a lot different kind of loan offers, interest rates, and refinance deals that can be available to veterans. mortgage for military veterans Dade, va home loan, va mortgages Miami, va home loan refinance Broward, va home loan programme florida, VA home loan requirements Palm Beach

1 year ago

How to Reduce or Eliminate Private Mortgage Insurance



Homebuyers that can't afford to put 20% down on the purchase price of their new home often opt to take out private mortgage insurance (PMI) with their lender to help seal the deal. This insurance protects the lender from a default, and can add more than $100 to a monthly mortgage payment.


Refinance Your Loan

Firefighters with a high interest rate on their mortgage and PMI might qualify for a mortgage refinance that could not only reduce their interest rate, but also eliminate PMI.


The PMI rules under any new loan terms are still the same: pay 20% or the home has to appraise higher than the original loan. Homeowners usually have to pay for the appraisal, but if the home value increases, it could be a win-win situation.


Firefighters with FHA-insured loans can refinance and obtain the lower annual Mortgage Insurance Premium. For most FHA loans this will reduce the annual premium from 1.35 percent of the loan balance to .85 percent. HUD explained that they expect 100,000 to 200,000 FHA-insured borrowers to refinance in the next year.


If you have questions or would like to get more information about specialty mortgages for firefighters click here

1 year ago

Mortgage Refinancing Calculator for Nurses


This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.


Should you refinance your mortgage? Florida Nurses use this calculator to determine what your new payment will be, how much you'll save in interest and when you will break even.For more information please click here


If you have questions or would like to get more information about specialty mortgages for nurses, please fill out the form on this page, or call us Toll Free: (754) 202-4376