Unlike Coca-Cola who decided to revamp itself back in the 1980’s, Knightlines Mortgage Services, LLC of Lake County, Florida is leaving the recipe of its success alone. However, in a bold move Knightlines is updating its branding image.

While the logo remains a knight, the image has been transformed into a more regal and elegant symbol. No longer trapped in a box, the knight is now the central focus of an all encompassing sphere to elude to the company’s wholeness and understanding of the mortgage industry, both commercial and residential.

Along with this change comes a newly designed website. Unlike traditional mortgage sites advertising programs and rates, Knightlines’ website lets the clients know what kind of company they are dealing with. The simple and easy to use site illustrates to borrowers the simpleness and easiness of the mortgage loan process. What you see is what you get. There are no smoke and mirrors with Knightlines. Every mortgage is fully disclosed in a simple to understand manner.

These changes come as part of the company’s goal to make itself a common household name in Lake County, Florida. With an already strong footing in the Golden Triangle area (Eustis, Mt. Dora, and Tavares,) Knightlines is expanding into neighboring cities. We have even made a bold move to open an office in Palm Beach County (Palm Beach Gardens) to begin offering our unique, second-to-none customer orientated services to borrowers in South Florida. And we are scheduled to open a third office in Orange County at the end of the summer of 2008. This branch office will become the flagship of Knightlines Mortgage Services, LLC due to its central location to the main office and the Palm Beach branch.

That’s right! 100% Financing still exists in Lake County, Florida. Despite all the obituaries about these mortgage programs, there is still one program that remains alive and well. This is all thanks to Lake County being USDA Grade A land… and I mean that literally.

The USDA 100% mortgage loans offer many benefits to potential home owners. The biggest being no down payment. Also, at the top of the list is the fact that there is no extra costs in your monthly payment in terms of mortgage insurance. Eh, what the heck? Here is a list of all the benefits a USDA loan has to offer:

1. No Down Payment.
2. If the appraised value comes in higher than the contract sales price, you can wrap closing costs into your loan.
3. No PMI (AKA Mortgage Insurance).
4. No Reserves. This means you do not need to have lots of money in savings, as some banks require.
5. No Minimum FICO Score. You must at least look creditworthy.
6. Available For First Time Buyers and Non-First Time Buyers.
7. Substitute Schooling/Education for Job History.
8. Unrestricted Gifts. Gift money is not sourced or seasoned when used for closing costs.

And yes, just like any loan, you have to qualify for it. So, how do you qualify? Well, the biggest hurdle is already overcome. You live in Lake County. According to USDA Rural Development, you are already in an eligible area. The next obstacle standing in your way is income. If you make too much money, you best be looking somewhere else. For sake of giving a chart and directions on how to use it, visit this site. With its fast and easy calculator, it will tell you whether or not you are eligible (or just call us). (And if you live outside of Lake County, you can use the same site to see if your property is eligible.) Last, but not least, you debt-to-income ratios must be within guidelines. We will be more than happy to calculate this figure for you when you call us for you new home loan.

To qualify for this loan, call 352-308-7219 and ask for your USDA Grade A Home Loan.