About Cassandra Clarke
Hello, my name is Cassandra Robinson-Clarke, I am a proud mother of two beautiful kids and a loving husband. My journey has led me to wear many hats, and each role has been a source of joy and fulfillment.
Cassandra Clarke stands as a beacon of excellence in Florida's real estate landscape. Renowned for her unparalleled dedication, Cassandra offers more than just home-finding; she provides a seamless and personalized journey to discovering your dream residence. With her top-rated expertise and deep understanding of Florida's diverse housing market, Cassandra ensures that every client receives not only the perfect home but also the finest service in realty. Trust Cassandra Clarke to transform your house-hunting experience into a fulfilling adventure, tailored to meet and exceed your expectations.
Author, Speaker & Educator: Beyond the world of aesthetics, I am also an accomplished author. My writings delve into various aspects of life, combining personal experiences with professional insights. As a speaker and educator, I enjoy sharing knowledge and inspiring others.
Educational Journey: My academic journey has been marked by dedication and achievement. I earned my Associates and Bachelor's degrees, and recently, I received a certificate from Harvard Business School, further enriching my expertise in business and leadership.
What is the difference between a mortgage lender and a mortgage broker?
A mortgage lender is a financial institution that directly provides home loans. A mortgage broker, on the other hand, acts as an intermediary between borrowers and multiple lenders, helping clients find the best mortgage terms and rates from a variety of lenders.
Why should I work with a mortgage broker instead of going directly to a lender?
Mortgage brokers offer several advantages, including access to a wide range of lenders and mortgage products, which can result in better loan terms and rates. They also provide personalized guidance, simplifying the complex mortgage process and saving you time and effort.
How do mortgage brokers get compensated?
Mortgage brokers are typically compensated through lender-paid commissions or borrower-paid fees, or a combination of both. These fees are disclosed upfront, ensuring transparency in the process. Brokers have a legal obligation to act in the best interests of their clients.
What factors affect mortgage eligibility and interest rates?
Mortgage eligibility and rates are influenced by factors such as credit score, income, employment history, debt-to-income ratio, down payment amount, and the type of mortgage product. Your mortgage broker will help you understand how these factors impact your specific situation.
How long does the mortgage approval process take?
The mortgage approval timeline can vary depending on factors like the complexity of the application, the lender's processing times, and the responsiveness of all parties involved. On average, the process typically takes 30 to 45 days from application to closing. Your mortgage broker will work to expedite the process whenever possible.
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