Reg. License
NMLS# 2485778
Phone Number
+1 (941) 275-4119
NMLS# 2485778
+1 (941) 275-4119
As a mortgage advisor with a passion for helping clients achieve their homeownership dreams, I’m here to simplify the process and secure the best loan for your needs.
I take the time to understand your unique financial situation, ensuring that you get the best loan option customized to your needs.
With extensive experience in real estate and mortgage advising, I provide insights and advice that you can trust.
I believe in transparency every step of the way, keeping you informed throughout your mortgage journey.
Your goals are my priority. I’m committed to helping you achieve homeownership with confidence and peace of mind.
With a extensive background in real estate and mortgage lending, I’ve spent my career helping clients achieve their homeownership dreams. Starting my real estate journey in Austin, Texas, in 2003, I have worked extensively with investors to build successful property portfolios. My experience as a TV producer for HGTV has also given me a unique perspective on the diverse needs of homebuyers across different markets.
Whether you’re purchasing your first home, refinancing, or exploring luxury properties, I bring a deep understanding of the industry and a commitment to finding the right loan for you. Licensed in Ohio Florida and Texas, I’m here to offer expert guidance, clear communication, and dedicated support to ensure your financing journey is smooth and successful.
Federal Housing Administration (FHA) loans are ideal for first-time homebuyers or those with less-than-perfect credit. They offer lower down payments and more flexible qualification requirements.
Conventional loans are not backed by the government and typically suit borrowers with good credit and stable finances. These loans offer competitive interest rates and flexible terms.
VA loans are exclusive to veterans, active military members, and their families. These loans come with no down payment and favorable terms to honor their service.
Let’s work together to find the perfect mortgage solution tailored to your needs. Whether you’re buying your first home or looking to refinance, I’m here to provide expert guidance and support every step of the way.
Chris was great to work with. He always made himself available and quickly returned my phone calls. Loved working with Chris! His knowledge came in very handy when we had an issue with our seller after an inspection. Chris stepped in and handled the situation professionally. I would definitely recommend him to my friends, family and neighbors.
On behalf of my husband and myself, working with Chris Ailes in the Naples Area was a seamless and pleasant experience in buying our first home in FL. Chris was available at all times of the day and went above and beyond to answer all of our questions and then some. Chris’ kindness and professionalism was above par and we look forward to keeping in touch with Chris throughout the years.
Chris Ailes is your trusted partner for home loan needs. His professionalism shines through in every interaction, offering clear, relevant, and personalized advice. Chris is not only a great communicator but also a pleasure to work with, making the home loan process smooth and stress-free.
We start with a detailed conversation to understand your needs and financial goals. This helps me tailor the best mortgage options for you.
I’ll guide you through the application process, ensuring all necessary documents are submitted and reviewed for a smooth approval.
Based on your needs, I’ll present and explain the best loan options available, helping you choose the one that best fits your goals.
Once your loan is approved, I’ll assist with the closing process and provide ongoing support to ensure a seamless and successful home financing experience.
Have questions about the mortgage process? Here are some of the most common inquiries I receive, along with detailed answers to help you understand every aspect of home financing.
A mortgage pre-approval provides an estimate of how much you can borrow based on your financial situation. It shows sellers that you’re a serious buyer and can help you shop within your budget.
The down payment amount varies depending on the loan type. Conventional loans typically require 3-20%, while FHA loans often require 3.5%. There are also serval down payment assistance programs. If you qualify you could require 0% loan for your purchase.
A fixed-rate mortgage has a constant interest rate throughout the loan term, providing predictable monthly payments. An adjustable-rate mortgage (ARM) has a variable rate that can change periodically, potentially affecting your payment amount.
Schedule a loan consultation with us and you can get pre-approved in less than 48 hours.
Your mortgage interest rate is influenced by factors such as your credit score, down payment amount, loan term, and current market conditions. A higher credit score and larger down payment can help secure a lower rate, Contact us today to find out how much you can affected.
Many lenders allow early repayment without penalties, but it’s important to check your loan agreement. Some loans may have prepayment penalties, so review your terms or ask your lender for clarification.
+1 (941) 275-4119
Ohio, Florida & Texas
All loans are subject to credit approval. Terms and conditions apply. NMLS ID #2485778 ensures compliance with national mortgage licensing standards. Please review all loan documents carefully and consult with a financial advisor to fully understand your mortgage obligations.
Want to discuss your mortgage options? Leave your phone number, and I’ll get in touch with you at your convenience to answer your questions and guide you through the process.