2638 Stonewood Park Loop
Land O Lakes, FL 34638
941.350.2894 - cell
813. 920.7916 - office
shogrefe@sphomeloans.com
Sue Hogrefe has been a licensed Mortgage Loan Originator for over 12 years but prior to, she was in the banking industry for over 20 years as a consumer and commercial loan officer and a special asset officer. Sue was honored as "Affiliate of the Year" for 2011 and "Business Partner of the Year" for 2015, for Women's Council of Realtors, Venice Chapter. She was also awarded the " Top Producer of the Year" for Gulfside Mortgage Services for 2012 and 2016. Sue is a big contributor to her community in Venice and Englewood and participates in several committees with the Venice Area Board of Realtors and Englewood Area Board of Realtors to help raise money for different local charities. Sue believes in relationship lending; she treats her clients like family and is truly dedicated to her industry as she served as a director for the Florida Association of Mortgage Professionals.
"I just wanted to take a moment to say Thank You!! The email that you sent out today to the borrower and the email that you sent to the title company are FANTASTIC!!! You know I’ve been doing this longer than I care to admit and I just wanted to say how professional and complete those emails were. Kudos!!! Just another reason why Gulfside Mortgage Services is my “GO TO” for all of my customers!! Thanks again!"
"Thanks to all who have expedited and facilitated this process! I am amazed at the collaboration and team play getting us through expediently. I am also impressed with the use of technology and speed of ALL responses. This is our fifth home purchase and I can honestly say this was by far the best process we have ever engaged. Your transparency and team work by far out-weighed the rest. There was no blame game at all in this delivery. Thank you very much to all and kudos to you Best to all!"
"I truly appreciate everything your company gave to me. You have an outstanding team and your service is excellent. You always were helpful, answered all my multiple questions right to the point, have outstanding knowledge, truly professionals, very kind and generous people, always were om time and prompt, and showed excellent working ethics. Many Thanks"
Whether you are a first-time homebuyer, or a repeat buyer, a qualified veteran, or maybe you are looking to refinance to lower your rate or get cash-out, whatever the circumstance, let me help match you with a loan program tailored to give you the most benefit. I am a seasoned Mortgage Loan Originator, and a proud member of the SunPoint Home Loans team.
I look forward to help finance your next home loan and put our expertise to work for you.
CLICK HERE to take the first step and to get started today.
If you are interested in owning a home, but are not able to come up with a large down payment, then an FHA loan may be an option worth considering if:
☑ You are looking for
a small down payment
(Minimum of 3.5% down).
☑ Have a mid-grade credit score
(Minimum FICO score of 580).
☑ Plan on receiving
the down payment as a
gift from your family.
Some other things to keep in mind when deciding if the FHA loan is right for you and your family:
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are a qualified Service Member, Veteran or eligible surviving spouse of a veteran, a VA loan is often the best home loan option for eligible borrowers offering safe, flexible loan products with favorable loan terms.
☑ No down payment
required.
☑ Minimum FICO score
of 620.
☑ No mortgage
insurance.
☑ 100% of your
closing cost can come from a family
member.
☑ Sellers can
contribute up to 4% towards your down
payment or closing costs.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you're looking to become a homeowner in a rural area, then a USDA loan may be your best option.
☑ No down payment
required.
☑ Lower mortgage
insurance than FHA loans.
☑ Minimum FICO score
of 620.
☑ Possibility of
financing your closing costs.
☑ Sellers can
contribute up to 6% towards your down
payment or closing costs.
☑ 100% of your
closing cost can come from a family
member.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you have a strong down payment and are a strong qualifier, then a Conventional loan may be an option worth exploring.
☑ 3% minimum down
payment.
☑ Minimum FICO score
of 620.
☑ No mortgage
insurance with 20% down.
☑ Allowed on primary,
2nd, and investment properties.
☑ Fixed-rate,
adjustable-rate or Hybrid options.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are looking to finance a higher-priced or luxury home, or a loan from $726,200 to $3,000,000, then a Jumbo loan may be an option. This loan product typically requires a lower debt-to-income ratio and a higher credit score. First-time homebuyers are eligible and borrowers can qualify for fixed or adjustable rates with various term options. Jumbo mortgage loans can be used to finance primary homes, as well as investment properties and vacations homes.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
Getting a home loan might not be rocket science, but it can certainly be overwhelming, especially for the first-time homebuyer. During this exciting moment of your life, we take time to work with you, walk you through all your options in a manner that is easily understood, help relieve some of the stress that can be associated with your first purchase. We do our best to create an uplifting experience during this special moment of your life, and try to put all the right elements together to create a positive solution for your home loan. This is what we do - we help families realize their dreams every day!
Excited? Scared? Both?
That's ok. We've been in your shoes and we will help pave your way to homeownership.
Are you a service member, veteran, or an eligible surviving spouse, then let us help you through the process of qualifying for a VA Loan.
☑ No down payment
required (Qualifying factors may apply.)
☑ Lower or competitive
interest rates
☑ No private mortgage
insurance
☑ Sellers may contribute
up to 4% towards your down payment or closing costs
So maybe this is not your first purchase, and you have been down the block before. Maybe you are looking for a refinance, or looking to qualify for a second home or even an investment property; we are here for you. We'll pave a smooth path ahead, communicate with you clearly and quickly - never leaving you hanging and wondering what is coming next. We'll tell you what information we'll need from you, so you can be prepared. No surprises. No worries.
We are incredibly proud of our long-running reputation for accuracy, expertise, speed, communication and caring. Our customer service is the most important product we offer and our commitment to making your experience fun and enjoyable is what truly sets us apart. We focus on the details of the process so you can continue to focus on all the things in life that make you happy.
Your home has been an important investment and you want to make sure you're making the very most of it. So when you're considering refinancing, we want you to know we are here to be your trusted partner and advisor. With us you'll know if you're refinancing at the right time and we'll make sure you understand all the details, so you'll be sure you're making the smartest choice for you and your family.
We are incredibly proud of our long-running reputation for accuracy, expertise, speed, communication and caring. Our customer service is the most important product we offer and our commitment to making your experience fun and enjoyable is what truly sets us apart. We focus on the details of the process so you can continue to focus on all the things in life that make you happy.
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