Home Purchase
Buying your first place? Upgrading to more space? We'll walk you through every step — from "what can I afford?" to "here are your keys." No surprises, just clarity.
Get StartedPresidential Bank Mortgage - Altamonte Springs
Beyond A Bank.Mortgages Without the Headache.
Our team helps Central Florida buyers and homeowners navigate mortgage options with clarity, speed, and — believe it or not — a sense of humor. Purchase, refinance, FHA, VA, jumbo — we find the right path and make it painless.
NMLS# 2256566 | NMLS# 325832 | Company NMLS# 421593 | Equal Housing Lender
Direct Lender
How Can We Help You?
No two borrowers are alike — and we like it that way. Whether you're buying your first place, refinancing to save money, or just trying to figure out what's possible, we've got you.
Refinance
Paying too much? Stuck in a rate you locked during a panic? Let's look at the numbers and see if we can save you some real money. Sometimes the answer surprises people.
Get StartedDebt Consolidation
Credit cards eating you alive? We can often roll that high-interest debt into your mortgage at a fraction of the rate. Let's do the math together — it might change your month.
Get StartedWhat Loan Program Is Right for You?
Compare the most popular mortgage options side by side. Your specific situation determines the best fit — we help you figure that out.
| Program | Min. Down Payment | Min. Credit Score | Best For |
|---|---|---|---|
| Conventional | 3–5% | 500+ | Strong credit, want to avoid mortgage insurance at 20% equity |
| FHA | 3.5% at 580+ / 10% at 500–579 | 580+ for 3.5% down; 500–579 for 10% down | First-time buyers, lower credit scores, flexible debt ratios |
| VA | 0% | 580+ lender guideline | Veterans, active duty, surviving spouses |
| USDA | 0% | 600+ | Eligible rural/suburban areas, income limits apply |
| Jumbo | 10–20% | 700+ | Loan amounts exceeding the $832,750 conventional limit |
🏠☕😄
Mortgages Don't Have to Be Stressful
Look, we get it — the mortgage process has a reputation for being about as fun as a root canal. But it doesn't have to be that way. The team has been doing this long enough to know that clear communication, a few laughs, and zero surprises make all the difference.
We explain things over coffee, not contracts
We actually answer our phones
No surprises at closing
Your Loan Officers
Meet the Team
Jay Heckendorn-Telenda, Brad Siebert, Brad Pratt, and Jairo Mejia Ruiz genuinely love helping people get into homes. Our team is responsive, honest, and committed to making the mortgage process clear from the first conversation through closing.
Brad Siebert
Mortgage Loan Officer
Brad is the guy other lenders call when they can't figure out a deal. Jumbo loans, VA financing, credit challenges, complicated self-employment income — he's seen it all and closed most of it. His clients say he works nights and weekends, answers every call, and somehow makes the impossible happen. They're not wrong.
NMLS# 325832Presidential Bank Mortgage NMLS# 421593
Jay Heckendorn-Telenda
Mortgage Loan Officer
Jay works with the Altamonte Springs team and personally helps buyers and homeowners figure out their best move. His approach? Listen first, explain clearly, never pressure. Whether you're buying your first condo or refinancing your forever home, Jay makes the process feel like a conversation — not an interrogation.
NMLS# 2256566Presidential Bank Mortgage NMLS# 421593
Brad Pratt
Mortgage Loan Officer
Brad Pratt brings deep expertise and a client-first mentality to the We Are Beyond A Bank team. He's focused on making sure every borrower gets clear guidance, responsive communication, and a smooth path to closing.
NMLS# 408659Presidential Bank Mortgage NMLS# 421593
Jairo Mejia Ruiz
Mortgage Loan Officer / Senior Loan Processor
Jairo is a bilingual mortgage and real estate professional with 20 years of industry experience. He specializes in conventional, FHA, VA, and non-QM financing, including DSCR, bank statement, asset depletion, ITIN, and foreign-national programs.
NMLS# 2041852Presidential Bank Mortgage NMLS# 421593
Client Reviews
Don't Take Our Word For It
4.7from 113 real humans on Google
“Brad was a huge help with our HELOC. He listened to our specific needs, and provided solutions that were best suited to our needs. I trust his expertise and plan to refer them to friends and family.”
Patrick H.
Florida
“I can't say enough great things about Brad Siebert and his team! They are patient, responsive, and genuinely care about getting me the best outcome. Whether you are looking to buy your home or a commercial building, they are it!”
Mia V.
Florida
“Brad was tremendous help getting us through this process quickly — 6 weeks from start to finish — while we were 1,100 miles away. Never saw the house in person before closing. He was with us all the way.”
Michael C.
Florida
“There aren't enough great words to describe Brad and how hard he worked for my husband and I. He worked nights, weekends, went above and beyond to make it happen. Put your eggs in his basket — you'll be the winner!”
Tina C.
Florida
“Brad is a genuine and honest person who worked so hard to help us get approved for our home. What started as a conventional loan turned into a complex situation, but Brad worked diligently to ensure our success.”
Jessica L.
Florida
“I've been in the mortgage business for 20 years. Brad Siebert is one of the most capable brokers I've worked with in that time. If you're looking for a loan, go see Brad.”
Jeremy D.
Florida
How Does the Mortgage Process Work?
From first conversation to closing day, here's what to expect when you work with our team in Central Florida.
1
What do I need to get pre-approved?
Recent pay stubs, W-2s or tax returns, bank statements, and a valid ID. We review your credit, income, and debts to determine what you qualify for. Most pre-approvals take 1–3 business days.
2
How do I find the right loan program?
We match your credit score, down payment, income, and goals to the best available option — conventional, FHA, VA, USDA, jumbo, or specialty programs. There's no one-size-fits-all answer.
3
What happens during underwriting?
Your loan file is reviewed in detail — employment verified, property appraised, title cleared. We handle the heavy lifting and keep you updated. If questions come up, we solve them fast.
4
How long does it take to close?
Most purchases close in 30–45 days from contract. Refinances typically take 30–45 days from application. We'll give you a clear timeline upfront so there are no surprises.
AI Mortgage Assistant
Got a Quick Question? Ask Away.
Our AI assistant knows mortgages inside and out. Ask about loan types, down payments, credit scores, the buying process — whatever's on your mind. It's like texting a friend who happens to be a mortgage nerd.
The AI assistant provides general mortgage education only. It does not make lending decisions, issue pre-approvals, guarantee rates, or provide financial advice. All lending decisions are made by licensed loan officers.
Mortgage Assistant
General education only — not lending advice
Hey there! 👋 I'm the Beyond A Bank mortgage assistant. Whether you're buying, refinancing, or just curious about your options — ask me anything. What's on your mind?
Ready When You Are 🤝
Whether you're ready to apply today or just want to ask a "dumb question" (spoiler: there are no dumb questions in mortgages), we're here. No pressure, no judgment, just straight answers.
Common Questions
The Stuff Everyone Asks
(And we never get tired of answering)
What types of loans do you offer?
Pretty much everything — conventional, FHA, VA, USDA, jumbo, refinance, new construction, reverse mortgages, debt consolidation, portfolio loans, and solutions for folks with credit challenges. If there's a program that fits your situation, we'll find it.
How do I get started?
Fill out the form on this page, call us at (407) 457-0113, or use our Purchase Assistant quiz. We'll review your situation, explain your options in plain English, and tell you the next step. No obligation, no pressure — just clarity.
What areas do you serve?
All 50 states. Our team is based in Altamonte Springs, Florida, and Presidential Bank Mortgage gives us the ability to help eligible borrowers nationwide.
Is this site connected to Presidential Bank Mortgage?
Yes! Wearebeyondabank.com is staffed by mortgage professionals employed by Presidential Bank Mortgage, Company NMLS 421593. All loans are subject to credit approval. We're the real deal — just with a cooler website.
How to Get a Mortgage in Central Florida
A straightforward overview of the mortgage process from application to closing.
What documents do I need to apply for a mortgage?
- Recent pay stubs (last 30 days)
- W-2s or tax returns (last 2 years)
- Bank statements (last 2–3 months)
- Valid government-issued photo ID
- Signed purchase contract (if buying)
How long does it take to close on a home in Florida?
- Pre-approval: 1–3 business days
- Home search and offer: varies
- Processing and underwriting: 2–3 weeks
- Appraisal and title: 1–2 weeks
- Total: typically 30–45 days from contract
What credit score do I need for a mortgage?
- Conventional loans: 500+ (stronger credit may qualify for better terms)
- FHA loans: 580+ (3.5% down) or 500+ (10% down)
- VA loans: 580+ recommended by this team; lender overlays may apply
- USDA loans: 600+ recommended
What down payment assistance is available in Florida?
- Florida Hometown Heroes: up to $35,000
- Florida Housing (FL HLP): up to $10,000
- County SHIP programs (Seminole, Orange)
- VA zero-down benefit for eligible veterans
Service Area
Serving All 50 States
Based in Altamonte Springs at 283 Cranes Roost Blvd. We know these neighborhoods because we live here too.
Altamonte SpringsOrlandoWinter ParkLake MarySanfordOviedoMaitlandLongwoodApopkaCasselberryWinter SpringsWindermere
Map data © OpenStreetMap contributors. Primary focus: Altamonte Springs, Orlando, and Central Florida.