Renovation Loans: There are several types, both Conventional and FHA. Some give limited money, up to $35,000 for repairs on the home, but nothing structural. Others allow for much larger renovations including large structural issues. But always remember the loan limits, as the purchase plus construction cannot exceed those limits.
Phil Stevenson is 1 of approximately 150 Certified Reverse Mortgage Professionals (CRMP) in the United States, and currently sits on the Ethics Committee of the National Reverse Mortgage Lenders Association (NRMLA).
Born and raised in Miami to a Cuban mother, he speaks fluent Spanish and uses the nickname “Felipe” when working with clients who are not strong in the English language. Stevenson is always taking the lead and trying to find new ways to succeed by helping others around him become successful as well. With over a 13 years of experience in mortgage processing, origination, recruiting, and managing other mortgage professionals, Stevenson has a broad understanding of the mortgage process from beginning to end. He began focusing on Reverse Mortgages in 2008, and today offers all types of Mortgages with specializations in Reverse Mortgages and VA Home Loans. As a reverse mortgage originator in Miami, he has personally closed and funded hundreds reverse mortgages. PS Financial Services has become one of the top Reverse Mortgage Companies in Florida, and was ranked #1 Reverse Mortgage Broker in Florida for 2015, 2016, & 2017 (based on Reverse Mortgage Insight’s “RMI Reports”).
Stevenson earned a bachelor’s degree in International Relations with minors in Economics and Geography from Florida International University. Studying interest rates, money supply, and amortization tables has given him in-depth knowledge of past, current, and projected issues in the industry. His economics degree gave him a phenomenal knowledge base that allowed for a seamless transition into the mortgage business from the military. As a father of 2 and a veteran of the wars in both Afghanistan and Iraq, family values, honesty, and integrity are of utmost importance to him.
Roberto Crespo was born and raised in Cuba where he became electrical engineer in 1985.
He arrived in the United States in 1992 and started his entrepreneurial career. He’s been a top producer in several marketing companies.
In 2006, he became a Mortgage Loan Originator and has specialized in Reverse Mortgages serving 100’s of satisfied customers in the Miami community during these years.
A native of Essex England, Philip Dixon attended Chelmer Institute of Higher Education. He moved to the United States in 1984 eventually making his home in Stuart, Florida. Since moving to the States he has built a career in the mortgage industry, specializing in FHA Reverse Mortgages since 2003.
He describes his focus on Reverse Mortgages as both challenging and rewarding. Challenging in that there are many misconceptions about Reverse Mortgages that need clear, credible explanation; rewarding in that once he is able to provide factual information and understanding, he has been able to help many seniors more fully enjoy life in retirement. He describes his decision to specialize in Reverse Mortgages as the best choice of his working life.
Philip is active in recreational soccer when not pursuing his mortgage career. He has one daughter, recently graduated from college.
Ana was born and raised in Nicaragua. She has lived in Miami since 1989.
Currently, she continues to help the Hispanic community with Reverse Mortgage Loans and has been since 2007.
License Number: NMLS # 359688.
Judd Brown, MSW, CRMP Mortgage Loan Originator; Reverse Mortgage Specialist
Judd offers creative, personally tailored mortgages. Judd was established around the concept of “value-driven” client relationships. Judd is aware that his success depends on you, and his business model is as simple as that.
Judd believes that his client’s liabilities need to be managed in the context of their individualized capital liquidity needs, in addition to their long-and-short term financial goals. Judd offers his clients the best possible rates and unparalleled service in the business. He maintains utmost integrity in all transactions and makes no compromise in representing his client’s best interests at all times.
Judd is not only a Mortgage Loan Originator, but has been in Law Enforcement since 1992. Judd felt the need to be able to not only connect with people that he encounters throughput his day but have a deeper understanding of their needs. For this reason, Judd recently graduated with his Masters in Clinical Psychotherapy/Social Work. Having the tenacity to complete a degree such as this one takes discipline and effective time management. This shows in the dealings Judd has with his clients.
Former State of Florida Mortgage Broker Instructor
Knowledge, experience, and his constant commitment to meet and exceed the clients’ expectations have allowed unmatched growth and performance in our industry. Judd was a former Professor for the largest Real Estate school in Florida teaching the State of Florida approved Mortgage course.
Judd taught the 24-hour State required Mortgage Broker class, Mortgage Broker cram, Foreclosure class, and Now That I Have My Mortgage Broker License, What Do I Do With It?
All that expertise is not, however, what makes Judd different from all of the other mortgage companies out there. Judd is what makes PS Financial different. His approach to anything he does is to exceed all apparent possible expectations. Every customer is treated with this in mind: “How would I like to see this loan handled if it were my own transaction?” The answer to this question defines the caliber of service he and his staff delivers. No matter how large or how small your transaction, you can count on Judd to provide you with the type of service Judd would demand if it were his own. To this end, Judd will provide direct answers to your specific requests, as well as insights Judd may gain during the analysis process. No question is left unanswered. Bottom line; Judd will evaluate your loan situation, review your loan options, and help you understand the entire process from pre-qualifying to closing. You will never be left alone.
Certified Reverse Mortgage Professional “CRMP” Designation:
Being one of only 120 or so people nationwide to have achieved this milestone is a testament to my commitment to reverse mortgages. The process involved to receive this professional designation was long and arduous and adds to the level of expertise maintained by the firm and myself.
Alexander Michael Santa was born in Detroit Michigan but considers himself a Florida native. He graduated from the University of Florida in 2013 with a bachelor of science in Tourism, Recreation, and Sport Management.
For 2 and a half years Alexander worked in the health and wellness industry motivating adults to take control of their present wellness and future. He now looks to encourage and educate people to gain control of their own financial well being. Working first hand with his father (a financial retirement professional of 15 years) in the Florida insurance industry, Alexander has learned the ins and outs of personal retirement investment plans.
Alexander became licensed as a loan originator after learning about how HECM products can be a critical piece of many retirement portfolios. He leads an active lifestyle and enjoys spending time with his family and friends.
NMLS #352807
43 AÑOS SIRVIENDO A LA COMUNIDAD LATINA
Estudios: Ciencias Económicas y Financieras
Estudios: Banca Internacional, Ginebra, Suiza
Licenciado: Bienes Raíces Nacionales e Internacionales,
Licenciado: Seguros de Vida, Salud, Anualidades y Planes de Retiro
Licenciado: Originación de Préstamos Hipotecarios Nacionales e Internacionales
IDIOMAS
English, Español, & Portuguese