Brad Siebert

Jay Heckendorn-Telenda

Brad Siebert

Jay Heckendorn-Telenda

Direct Lender

We provide competitive rates and products tailored to each client’s individual needs.

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Refinance Advisor

Our Free Refinance Advisor has been designed to help narrow down options based on your...

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Purchase Assistant

Our Free Purchase Assistant has been designed to help narrow down options based on your...

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Loan Options

Explore flexible loan options tailored to fit your unique financial needs and goals...

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Considering purchasing a home or refinancing

There is a reason why so many of our past
clients continually refer their friends...

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  • Bad Credit Home Loans

    Consumers in search of bad credit home loans may be surprised to discover they have multiple options. While homebuyers with excellent credit qualify for mortgages with the most favorable terms, there are several programs and loans available for prospective homeowners buying a home with bad credit.


    • A home equity loan—also known as an equity loan, home equity installment loan, or second mortgage—is a type of consumer debt. Home equity loans allow homeowners to borrow against the equity in their home. The loan amount is based on the difference between the home’s current market value and the homeowner’s mortgage balance due. Home equity loans tend to be fixed-rate, while the typical alternative, home equity lines of credit (HELOCs), generally have variable rates.

    • A private mortgage is a loan created between private individuals for the purchase of real estate. The lender, who could be a friend, family member, colleague, or investment firm, will loan the money to the borrower just as a bank would, securing themselves with a mortgage note or comparable contract. The loan is then paid back over time through monthly principal and interest (P&I) payments, earning the lender interest on the original principal balance.

    • Aportfolio loan is a kind of mortgage that a lender originates and retains instead of offloading on the secondary mortgage market. Because a portfolio loan is kept in the lender’s portfolio, or “on the books,” the lender sets the standards — and sometimes favorably for borrowers.

  • New Home Buyers

    Buying a home is still considered a key aspect of the American dream. As a first-time buyer, you have access to state programs, tax breaks, and federally backed loans if you don't have the usual minimum down payment—ideally 20% of the purchase price for a conventional loan—or you're a member of a certain group (see the Important callout below). And you may qualify as a first-time buyer even if you're not a novice.

    First-time homebuyer costs can seem overwhelming. But, luckily, there are several options for assistance with your down payment and closing costs, including charitable and government-sponsored programs. Local and federal tax credits can lessen the bite, and there are also educational programs that can offer help at every step.

  • Traditional Loans

    A conventional mortgage or conventional loan is any type of home buyer’s loan that is not offered or secured by a government entity. Instead, conventional mortgages are available through private lenders, such as banks, credit unions, and mortgage companies. However, some conventional mortgages can be guaranteed by two government-sponsored enterprises; the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).

    Conventional mortgages typically have a fixed rate of interest, which means that the interest rate does not change throughout the life of the loan. Conventional mortgages or loans are not guaranteed by the federal government and as a result, typically have stricter lending requirements by banks and creditors.

  • Reverse Mortgage

    A reverse mortgage is a mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property. The loans are typically promoted to older homeowners and typically do not require monthly mortgage payments. Borrowers are still responsible for property taxes and homeowner's insurance. Reverse mortgages allow elders to access the home equity they have built up in their homes now, and defer payment of the loan until they die, sell, or move out of the home. Because there are no required mortgage payments on a reverse mortgage, the interest is added to the loan balance each month. The rising loan balance can eventually grow to exceed the value of the home, particularly in times of declining home values or if the borrower continues to live in the home for many years. However, the borrower (or the borrower's estate) is generally not required to repay any additional loan balance in excess of the value of the home.

Customer Testimonials

I've been in the mortgage business for 20 years. Brad Siebert is on of the most capable brokers I've worked with in that time. If your looking for a loan, go see Brad at The Mortgage Firm

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Jeremy DormanFlorida

Brad was able to make happen what other companies couldn’t to get my home. Scarlott was amazing and friendly through the whole process and very informative. Highly recommended!

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Michael SternFlorida
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Client Reviews

Excellent
We Are Beyond A Bank4.7
Based on 111 reviews
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Michael Carty
Brad was tremendous help getting us through this process quickly (6 weeks from start to finish) while we were 1100 miles away. Never saw the house in person before closing. Some repairs, inspections and he was with us all the way. Unbelieveable job!
Tina Canatsey
There aren't enough great words out there to describe Brad and how hard he worked for my husband and I. If you want someone who personally invests in your home loan like it was for himself, go with Brad. We purchased a home from a Hedgefund company and it was a massive headache. If it wasn't for Brad we would never of closed. He worked nights, weekends, went more than above and beyond to make it happen. All the way up to the day of closing. They say never put your eggs in 1 basket. I say put those eggs in his basket. You'll be the winner!
Jessica Lopez
Brad at Luminate Bank was amazing to work with. He is a genuine and honest person who worked so hard to help us get approved for our home. What started off as a conventional loan process, turned into a unique and complex situation due to the home we chose. But Brad worked diligently, early morning emails late evening phone calls, to ensure our success. Responding timely to all emails, texts and phone calls. He really cared for us , and it showed. Thank you Brad!
June Bishop
Brad siebert helped are family get in to our forever home. Brad answered all our questions and concerns, even the odd ones !! Very knowledgeable a professional .
Brian Webb
Brad is an old school hard working motgage guru!...im not sure anyone else would have been able to navigate all of issues that came up with the sellers and their realtor. Between him and our realtor Ken they really went above and beyond to get us our house and we are forever grateful.
maureen
Brad is Johnny on the spot! He is always available to every question or scenario you might need help with. I own my own business so my loan was probably more challenging than most and he persevered!
Jay Heckendorn-Telenda
Kathy Towery
"I recently worked with Brad Siebert for my mortgage needs, and I couldn't be more pleased with the experience. The process of securing a mortgage can be daunting, but Brad made it straightforward and stress-free. From the outset, Brad was professional, knowledgeable, and genuinely interested in helping me find the best mortgage product to fit my needs. Brad took the time to explain every step of the process, providing clear and concise answers to all my questions. What impressed me most was Brad's responsiveness and attention to detail.He was always available to address any concerns, often going above and beyond to ensure everything was moving smoothly. I would never use another person for my mortgage needs than Brad Siebert who goes above and beyond what most would do.
Mark Rogers
They were with me the entire way!
Michael Pikora
You will have an excellent experience working with Brad Siebert as your mortgage loan originator! He is professional, knowledgeable, and always available to answer questions. Brad makes the mortgage process smooth and stress-free, helping his clients secure a great loan. Highly recommend his services!
Anthony Scaraggi
Greatest lender I have ever worked with!! Brad has not only helped me personally on several occasions, but has also helped dozens of clients and friends as well..there is no one more professional or more qualified to help you get approved for a loan... Thanks for always being honest, ethical, and responsive!!!!
Response from the owner:Thank you for your kind words. We’re truly grateful for your trust and support, and we’re honored to have had the opportunity to assist you and those you’ve referred to. We look forward to continuing to support you in the future.
Christine Fetters
If you are needing a lender for your mortgage, definitely see what Brad can do for you! Brad has been able to take impossible situations and turn them into successful transactions.
Response from the owner:Thank you for taking the time to share your experience. We truly appreciate your kind words and are delighted to hear that your mortgage process was handled successfully.
Tim Midgette
Excellent service with personal touch! If your buying, selling or refinancing a home, Paul Mena of The Mortage Firm are the best!
Response from the owner:Thank you for your kind words and recommendation! We're glad to hear you had a positive experience with our team. We truly appreciate your support.
Julie Duff
Brad and his team are awesome. They explained everything clearly so I knew what to expect, and they were always available when I had questions. I would definitely recommend them to anyone looking to buy or refinance a home.
Response from the owner:Thank you for your kind words and recommendation. We're glad to hear you had a positive experience and appreciate you taking the time to share your feedback.
Lewis Jerome
Brad helped us power through this transition from house to house in the middle of this Covid pandemic. It could have easily killed the deal. Brad ans his team not only got the deal, I got a great rate. He spent the time needed to help us. Personal touch was hugely appreciated.
Response from the owner:We're truly grateful for your kind words and are pleased to know that our team was able to support you through such a significant transition. Ensuring a smooth and positive experience for our clients is always our top priority, and it’s rewarding to hear that our efforts made a meaningful difference.
gene lewis
I heard a lot of things about Brad seibert from a radio station I listened to we decided to give him a try everything went better even than what the radio advertised it was a great experience
Response from the owner:Thank you for your kind words! We're glad to hear you had a great experience and appreciate your support.
John Matthews
barry sitkoff
My wife and I have worked with Brad and his crew on our original mortgage and now our refinance. They also get a great rate and they always do what they say they will with no surprises. Eventhough they are very busy with the recent boom in the refinancing industry, they always get back to you quickly and always have the answers you need. I highly recommend them.
Response from the owner:We truly appreciate your continued trust in our team for both your original mortgage and your refinance. Your recommendation means a great deal to us, and we look forward to serving you again in the future.
R Walc
Brad & his team we’re fantastic. They made the process easy & communicated well. Would recommend any one to this lender!
Response from the owner:Thank you for your feedback! We're glad the process was smooth and communication met your expectations. We appreciate your recommendation!
MArcelo Carnevalle
Daniela Kawamura and The Mortgage team are highly recommended ! Great knowledge and fast response!
Response from the owner:Thank you for your kind words! We appreciate your recommendation and are glad to have been of help.
Jimmy Co
Working with Brad and his team on refinancing was great. I appreciate the timely manner And great service.
Response from the owner:Thank you for your feedback! We're glad to hear you had a smooth and positive experience. We appreciate your support!
joseph meisel
Aileen was the best. Very supportive! Guided us thru the whole mortgage process confidently. I would recommend her and her team to all our friends and family. Thank you again Joseph S. Meisel
Response from the owner:Thank you for your kind words. We're delighted to hear you felt supported and guided throughout the mortgage process. We truly appreciate your recommendation and are grateful for the opportunity to assist you.
Chris
Brad is absolutely amazing! He worked miracles getting us our home during multiple setbacks. I cannot say enough how thankful I am for everything he did for us, and will absolutely send everyone i know thats looking for a home to him! Thanks for all your hard work Brad, and thanks for helping us get our forever home!
Response from the owner:We’re so pleased to know that your homeownership journey was a success despite the challenges. It means a lot to us that you’d refer others based on your experience. Thank you for the trust and appreciation.
Elaine Ehrenberg
Brad Siebert walked me through each step of the loan process. He is extremely knowledgeable about the process and with caring and expertise facilitated my loan.
Response from the owner:Thank you for highlighting the professionalism and care shown throughout your loan process. We're honored to have been able to support you with the expertise you needed.
jay ulloa
I want to thank brad so much for guiding me and making me feel less stress out on buying my first house. I came in not knowing anything about buying a house. And he helped me so much. I was so comfortable with him. Thank you so much.
Response from the owner:We’re glad we could help ease the stress of your first home purchase. Your comfort and understanding throughout the process matter greatly to us — thank you for the kind words.
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