Erick Cantele

Sales Manager

Erick Cantele
Sales Manager

1615 South Federal Highway
Suite 100
Boca Raton, FL 33432
Office: (561) 948-3523
Fax: (866) 422-3104
Mobile: (561) 703-0398
Top Producers Club 2012
erick.cantele@academymortgage.com

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There were three things that were of extreme importance to us when we first started this process: timing, communication and transparency. You exceeded our expectations in each category. You told us you could get our loan approved by month's end (3 weeks) and sure enough it was approved. Overall, we both could not be more satisfied with the level of service we received from you. We really believe that you care about your customer, have a "whatever it takes" attitude and we would have no hesitation in recommending your services to our friends and family. Thank you so much.Brad & Aimee Grossman

Erick Cantele has been in the mortgage industry for over 14 years and hes worked for both the big-banks and the small correspondent lenders. As a native Floridian he attended Florida Atlantic University and graduated with a bachelors degree in marketing. Past accomplisments include being awarded PHL Loan Officer of the Year by Chase Home FInance in 2005 & 2006. Also, Erick earned the Top Producers designation in 2012 & 2013 with Academy Mortgage.

What sets me apart from my competition is not only my knowledge and expertise in mortgage lending but my personal touch. I will work with you one-on-one from starting your loan application in the beginning to reviewing your settlement documents at the closing table along side you. I am always looking to exceed my customers expectations. I believe that choosing the right mortgage for your home loan is as important as you choosing the right home for your family. I treat my customers the way that I would want and expect to be treated which is with honesty, integrity, and respect.

At Academy Mortgage we are able to offer very competitive pricing, amazing customer service, and we offer a wide variety of loan programs such as:

FHA

FHA 203K

VA

Conventional Loans

Jumbo Loans

Foreign National Loans

Homepath Loans

USDA Loans

If your credit is good or not so good we will find a loan program that best fits your financing needs. The expertise and professionalism of our staff at Academy Mortgage sets us apart from the competition. We are dedicated to insuring our customers satisfaction throughout the entire loan process. Your home loan will begin and end in our local office and Erick will be there by your side to answer any questions you may have.

So, if you are looking to buy a new primary residence, second home or investment property give Erick a call today and allow him help you with your financing needs.

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Read these articles to educate yourself on the mortgage process and industry.

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Watch helpful videos to learn more about Academy.

NMLS# 255837

State Lic: FL MLO: LO4061;

Corp Lic: FL: MLD241;

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Three Key Factors in Qualifying for a Home Loan

When a mortgage company makes a decision about a home loan application, the lender primarily considers three basic factors:  (1) your ability to repay the loan; (2) your willingness to repay the loan; and (3) the collateral.

Ability to repay the mortgage is determined by verifying your current employment and analyzing your total income.  Lenders prefer for you to have been employed at the same place for at least two years or to at least be in the same line of work for a few years.  Your estimated monthly payment will be compared to your monthly income and debt.

Willingness to repay is influenced by how you have paid previous loans and by examining how the property will be used.  Willingness can be gauged by your credit report and previous commitments to pay rent and/or utility bills. 

Collateral is property that is pledged by a borrower to protect the interests of the lender.

It is important to remember that there are a set of rules each lender uses to assess these factors on each loan and determine if the lender will ultimately lend you money.  These rules are called a Credit Policy.  Each loan application is evaluated individually on a case-by-case basis.  Many loan applications may come up short in one area, but make up for it with other strong points.  These compensating factors may include: a large down payment, extensive educational background, or overall financial health.  Securing mortgage insurance to protect a lender in the event you are unable to make your payments may also impact your qualifying for a home loan.

Contact your Academy Mortgage Loan Officer with any questions about qualifying for a home loan.

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Choosing a Loan Program

There isn’t a single or simple answer to the question: “Which loan program should I choose?” The right type of mortgage for you depends on many different factors, including:

For example, a 15-year fixed-rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher than with a 30-year fixed-rate mortgage.  An adjustable-rate mortgage may get you started with a lower monthly payment than a fixed-rate mortgage, but your payments could greatly increase when the interest rate changes.

The best way to find the “right” answer is to discuss your current finances, your financial prospects, and your preferences frankly with an experienced mortgage professional, and make sure you analyze all of your options. Contact your Academy Mortgage Loan Officer today.

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What You Need for Your Loan Application

Use the following checklist to be sure you have everything you need for your loan application.

Please contact your Academy Loan Officer with any questions or concerns.
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