HOME PURCHASE01
A home of your own
Explore conventional, FHA, VA and USDA financing based on your goals and eligibility.
Discuss buying a homeMORTGAGE GUIDANCE · ELAINE SABINO
Your next chapter.
Let’s finance it.
A home, a fresh start, a new investment. Let’s talk about financing that makes sense for your life.
Elaine Sabino · NMLS #2463784
Heart Mortgage Corporation · NMLS #2045769
Start with a conversation, at your pace.English / Português / Español
FIND YOUR STARTING POINT
Different goals.
Thoughtful options.
Tell me what you’re working toward. We’ll discuss potential loan paths and what needs a closer look.
REFINANCE02
A mortgage that fits today
Review your current loan, closing costs and long-term plans before deciding what comes next.
Discuss refinancingSELF-EMPLOYED & NON-QM03
Your work. Your possibilities.
Ask about bank statement and alternative documentation options for your situation.
Explore alternative optionsINVESTOR FINANCING04
Room for your next investment
Discuss rental property financing and DSCR scenarios, subject to property and lender review.
Discuss investor financingRead detailed loan explanations
Financing is subject to licensing, eligibility and lender review. An inquiry is not an application or an approval.
UNDERSTAND THE POSSIBILITIES
What could we
talk about?
Describe your general scenario or select the documentation you expect to use. This educational guide suggests topics for a conversation, not a loan decision.
Start with what you know.
You don’t need to choose a loan today. Select your general scenario, then see which topics may be useful to discuss.
For example: self-employment and bank statements may lead to a conversation about bank-statement financing, while an investment rental property may lead to a DSCR discussion.
Please keep personal documents and account information out of this website.
YOUR GOALS. A PERSONAL CONNECTION.
Hi, I’m Elaine.
The right starting point is understanding you.
I’m Elaine Sabino, a mortgage loan originator with Heart Mortgage. I help you understand financing options, organize your next steps and ask the questions that matter before moving forward.
Whether you’re buying, refinancing or exploring an investment, we can start with a conversation in English, Portuguese or Spanish.
Let’s talk about your plansA CLEARER WAY TO BEGIN
From “what if”
to your next step.
No documents to upload here. Just a few basic details to help us start a useful conversation.
- 01
Share your goal
Tell me your property state, financing interest and how you prefer to connect.
- 02
Talk through the possibilities
We’ll discuss your plans and confirm whether your scenario is within our licensed coverage.
- 03
Choose your next step
If you decide to proceed, I’ll explain the appropriate secure application process.
BEFORE WE CONNECT
A few good questions.
Is this a mortgage application?
No. The short form is an initial inquiry for a conversation. It does not obtain a credit report or guarantee approval.
Can I ask about self-employed or investor financing?
Yes. Select the option that matches your interest. Elaine can discuss potential programs, including bank statement, Non-QM and DSCR scenarios, subject to eligibility and lender guidelines.
Can I inquire about a property outside Florida?
Include the property state when you contact Elaine. The location, loan type and applicable company and individual licensing must be reviewed before mortgage services can be offered. Availability varies; this website does not promise lending in every state.
Should I send financial documents?
Please don’t send documents, Social Security numbers or bank account details through this website. If you move forward, you’ll receive instructions for the appropriate secure process.
YOUR NEXT CHAPTER STARTS WITH A CONVERSATION