Ever signed mortgage papers without really understanding what you were agreeing to? You're not alone. Maria Moreno, a mortgage broker with TBF Mortgage, joined us to share how her own confusion during her first home purchase inspired a career helping others navigate this complex process with confidence and clarity.

Maria reveals the heartbreaking story that fuels her passion—watching her parents rent for 35 years, only to move away with nothing to show for decades of monthly payments. This personal connection to the importance of homeownership drives her to help clients build equity rather than throwing money away on rent.

The conversation tackles persistent myths that keep people from pursuing homeownership, particularly the misconception that buyers need a 20% down payment. Maria explains that options starting at just 3% down exist, making home buying more accessible than many realize. She also addresses the futility of trying to time the volatile market, advising clients to focus on personal readiness rather than chasing perfect conditions that may never materialize.

What sets TBF Mortgage apart is their deeply personal, relationship-centered approach. Unlike impersonal national brands, they provide ongoing support throughout the entire process and beyond closing, ensuring clients fully understand their loans and options. Having lived in Southwest Florida since childhood, Maria combines local market knowledge with genuine care for community members seeking to establish roots through homeownership.

Ready to overcome your fears about the mortgage process? Connect with Maria at 239-908-1421 or find her on social media to learn how she can help transform your homeownership dreams into reality.

TBF Mortgage

Maria Moreno

239-908-1421

maria@TBFMortgage.com

TBFMortgage.com