Embarking on the journey to homeownership is an exciting and significant step, and we understand the importance of finding the right financial support along the way. For over 15 years, Frank Maciel and his team have helped thousands of families become homeowners and have been the go-to lender for hundreds of successful Real Estate Agents. Featuring some of the top 1% Loan Originators in the nation, Frank’s team truly impacts lives through a crafted operational process that prioritizes education, communication, and continued support.
A MESSAGE FROM FRANK:
My team and I aim to become your trusted mortgage lender. Whether you're a first-time homebuyer or a seasoned real estate investor, we will guide you through the complexities of the mortgage process with personalized attention and expertise. By creating an environment of mutual trust and open communication, our goal is to ensure a smooth and transparent experience, keeping you informed every step of the way.
MIMUTUAL MORTGAGE
MiMutual Mortgage is a privately held Retail and Wholesale non depository Full-Eagle Direct Mortgage Lender, licensed and expanding in 30+ states. In addition to our standard loan programs such as Conventional, VA, USDA, and FHA products, MiMutual has a wide variety of mortgage products to meet the needs and demands of today’s homebuyer.
FHA – USDA – CONVENTIONAL – VA – HOMETOWN HEROES – JUMBO – DSCR – HELOC BANK STATEMENT PROGRAMS – NON-QM AND MORE!
you’ll provide some initial information and documents to your lender and authorize the lender to pull your
MORTGAGE APPROVAL
your documents to the Loan Processor. Once and information will move forward to the Underwriter for the full approval.
02
SHOP FOR A HOME
You and your Real Estate Agent can begin the fun of looking at homes for potential purchase. You’ll already know your price range because you got a can help you to negotiate the price and submit your offer.
05
THE APPRAISAL AND PROPERTY INSPECTION
If the purchase requires a home will order an appraisal which will determine the property’s market value to be certain you’re paying a additional inspections will be required.
03 THE LOAN APPLICATION
Your offer has been accepted by the seller. Now it’s time to submit the full application and lock in the interest
who will give you a list of documents to provide.
04
GATHERING AND SUBMITTING YOUR DOCUMENTS
You’ll want to provide the documents requested
right loan type and tell you how much cash you’ll need at closing.
DO DON’T
Do keep the following Original Documents on hand or be sure you have access to them through your bank or employer’s website - weekly pay stubs, bank and credit card statements, and any other important financial documents.
Do use your own personal bank account or gift fund if acceptable for your Earnest Money Deposit. To ensure these funds are properly applied to your down payment or closing costs, check with your Loan Officer first.
Do provide the following Documents for the sale of your current home - sales contract, closing statement, and employer relocation or buy-out program where available.
Do alert your Loan Officer if you will be using gift funds to cover closing costs. Not all mortgage loans allow the use of gift funds. Credit card advances are strictly prohibited for use as down payment or closing costs.
Do report any employment changes including a recent raise, a new promotion, transfer, or any other change in your pay status such as salary to commission.
Do note that a new credit report may be pulled just before your closing.
Do not open new, close existing, or transfer funds between any asset accounts without speaking first with your Loan Officer.
Do not deposit any money other than your payroll deposit including cash or the proceeds from the sale of personal property without notifying your Loan Officer. Documentation of the source of these deposits would be required and could greatly impact your ability to close on time.
Do not change jobs or employers during or up to 30 days after your closing without speaking to your Loan Officer. Such a change may have significant impact on your loan approval.
Do not make any major purchases such as a car, furniture, appliances, etc. prior to closing, as this may impact your ability to qualify for a loan.
Do not increase credit card or student loan balances or other lines of credit during the loan approval process, as this could affect the amount of money you qualify to borrow.
Do not fall behind on monthly payments, spend money allotted for your down payment, or close any existing lines of credit, as your previous purchase history is an important factor in determining your credit score.
MEET THE TEAM!
FRANK MACIEL
Branch Manager | NMLS #1101151
fmaciel@mimutual.com
CELL: (813) 992-2736
HOTLINE: (833) 833-3630
OFFICE: (800) 628-7596
@mimutualfl
Meet Frank Maciel, our seasoned Branch Manager with over 15 years of experience in the industry. Throughout his career, Frank has demonstrated exceptional leadership and expertise in mortgage lending, guiding his team to success and ensuring outstanding service for clients. With a record of success in credit analysis and mortgage lending, Frank possesses a deep understanding of various loan programs and financing options. “It is my duty to hold myself and my team to the highest ethical and professional standards.”
DANIEL MACIEL
Business Relations | Licensed Loan Originator | NMLS #155499
dmaciel@mimutual.com
CELL: (813) 758-0006
HOTLINE: (833) 833-3630
OFFICE: (800) 628-7596
@mimutualwestshore
Daniel has developed and trained hundreds of successful mortgage professionals over the years and constantly provides training sessions, coaching and functions such as networking luncheons, sales training and more. Throughout his career, Daniel has become a respected leader and business coach. His guidance has helped numerous colleagues achieve notable career success. “I am always available to offer unparalleled support to our clients and business partners.“
ANDREA MAE
Executive
Assistant
mimutualfl@gmail.com
CELL: (813) 579-1176
FAX: (866) 476-0936
@mimutualfl
Our Executive Assistant Andrea Mae is responsible for managing schedules, arranging meetings, and events. Andrea plays a key role in our daily operations helping us to enhance the efficiency of our TEAM’s calendar activities, tasks and facilitating effective communication and coordination. “As the Team’s executive assistance, I aim to anticipate their needs, manage details and provide full support.”
DEANNA DIRENZO
Licensed Loan Originator | NMLS# 370078
ddirenzo@mimutual.com
CELL: (813) 789-4800
FAX: (866) 476-0936
@dlo2813
Deanna has over 10 years’ experience in Mortgage banking in the Tampa Bay area. She has experience with FHA, FHA 203K, VA, USDA, and Conventional loans. Deanna works with a full range of borrowers and is always available to answer questions or discuss any concerns no matter the time or day. She especially enjoys working with first-time homebuyers because she strives to make sure they are comfortable with their new home purchase and fully understand the mortgage transaction. “My mission is simple; I will find the best product available for your family budget.”
JEFF PINHEIRO
Licensed Loan Originator | NMLS# 158881
jpinheiro@mimutual.com
CELL: (727) 492-3072
HOTLINE: (833) 833-3630
OFFICE: (800) 628-7596
@mortgagebyjeff
Jeff has been in the mortgage lending business since 2006. He has made a name for himself as the guy who gets things done. He truly believes that financing your home does not need to be difficult or stressful and the reviews from his “raving fan” clients attest to this. With stellar service that starts at initial consult and continues years past closing, Jeff wants to be your “lender for life.” “Whether I am working with a first-time home buyer or an experienced investor, I am dedicated to finding the right mortgage solution for each client.”
REBECCA LARREA
Licensed Loan Originator | NMLS# 1479297 | Habla Español
rlarrea@mimutual.com
CELL: (813) 579-2589
@rebeccalarrea
Meet Rebecca, our seasoned Mortgage Loan Officer who seamlessly blends financial expertise with a vibrant social media presence. Fluent in both English and Spanish, Rebecca brings a unique blend of financial expertise and cultural understanding to her clients. Her online presence not only educates her audience but also builds a sense of community, making her a go-to resource for a diverse clientele seeking guidance on their homeownership journey. “I turn mortgages into memories.”
MARIO LARREA
Licensed Loan Originator | NMLS #184372
mlarrea@mimutual.com
CELL: (813) 642-3428
Mario began his career in the mortgage industry in 2002. Over the years, he has worked in many aspects of financing including mortgage wholesale, brokering, & banking. With this level of experience & knowledge, he can quickly identify & resolve issues before they become a problem. By providing the highest level of integrity, honesty & communication, Mario has built his business based entirely on client & Realtor referrals. “My commitment to exceptional customer service means more than just securing loans; it's about fostering financial success and building lasting relationships with each client."
MICHAEL HERNANDEZ
Processing Manager
mhernandez@mimutual.com
CELL: (813) 900-1002
OFFICE: (800) 628-7596
@mimutualfl
Meet Mike, our skilled mortgage processor with several years of experience in the mortgage industry. He is known for a keen eye to detail, proactive communication and facilitating smooth and efficient loan transactions. Mike will prepare the file for submission to underwriting where all documentation is verified and approved. “My goal is to obtain a clear to close in record time!”
