Buying your first home
Make sense of down payments, monthly costs, and the steps from preparing your finances to making an offer.
Talk about buying your first home ↗ Your next chapter starts here · Florida
Full-service wholesale mortgage brokerage in Florida
A new home.
A fresh start.
Your next phase.
Full-service wholesale mortgage brokerage.
We are a mortgage broker, not a lender. We help you explore financing through third-party wholesale lenders and guide you through your next step.
Serving Florida only · Company NMLS #2779007
A 30-minute conversation about what comes next.
A 30-minute conversation about what comes next.
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A place for your next chapter.Let’s explore the path to getting there.
Serving Florida homebuyers & homeownersUnderstand your optionsPlan your next move
Room for what’s next
Home purchase & refinance
guidance for Florida.
Wherever you are in your homeownership journey, start by understanding the questions that matter.
Making your next move
More room, a new neighborhood, or a different pace. Discuss how a home purchase can fit your next stage of life.
Plan your next purchase ↗Revisiting your mortgage
Explore questions about refinancing, including closing costs, your remaining term, and how long you plan to stay.
Discuss refinancing ↗Put possibilities into perspective
Estimate your Florida mortgage payment.
Adjust the numbers to explore an illustrative monthly estimate. Your goals come first.
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YOUR ILLUSTRATIVE MONTHLY ESTIMATE
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Enter your interest-rate assumption to calculate.
Principal & interest
Property taxes
Home insurance
Loan amount
Planning tool only—not an advertised loan, rate quote, Loan Estimate, or offer of credit. Enter your own interest-rate assumption; no current rates are supplied. The model assumes equal monthly payments on a fully amortizing fixed-rate loan for the term selected. It does not calculate annual percentage rate (APR). APR includes certain financing costs and may differ from the interest rate. Estimate excludes mortgage insurance, HOA dues, flood insurance, closing costs, points, and other fees; your actual payment may be higher. Taxes and insurance can change. Any actual offered rate may change or be unavailable at commitment or closing. Read all disclosures.
Meet your next phase
Start with a conversation.
Move forward with a plan.
01 / CONNECT
Tell us what’s next.
Use your consultation to share your homeownership goals, timing, and the questions on your mind.
02 / EXPLORE
Make room for clarity.
Discuss financing considerations, the costs to plan for, and the information you may need to get started.
03 / PLAN
Choose your next step.
Leave the conversation with a better sense of what to explore and how to prepare for the next stage.
A little clarity goes a long way
Questions before the next step?
What should I bring to a consultation?
Start with your goals, an approximate purchase budget, and your timeline. You can also bring questions about payments, down payments, or refinancing. Please do not submit sensitive financial documents through the booking form.
Is the calculator a mortgage quote?
No. It is an illustrative planning tool using the values you enter. It does not assess eligibility or include every ownership cost. Book a conversation to discuss your specific situation.
Can I talk about refinancing?
Yes—select a consultation time and include refinancing as your topic. Useful questions include how closing costs affect potential savings and whether changing the loan term fits your goals.
How do I book a conversation?
Choose any “Book a consultation” button to open the Calendly scheduling page. Pick an available time and follow the booking instructions there.
Local guidance. Your next phase.
Your Maitland mortgage brokerage.
Serving Florida.
Next Phase Home Loans, LLC is a full-service wholesale mortgage brokerage based in Maitland, serving Florida. We are a mortgage broker, not a lender.
Our office
125 S Swoope Ave, Suite 107Maitland, FL 32751
Currently serving Florida only.
Know who you’re working with
Company NMLS #2779007
Florida Mortgage Broker License #MBR8273
Roberto N. Irizarry · NMLS #904579
Protect your information: do not send Social Security numbers, bank statements, or other sensitive financial documents by regular email or Calendly. Contact us for secure delivery instructions.
There’s a next phase for everyone
Let’s find the way
to yours.
A home starts with a possibility. Your next step starts here.