Matt Sapienza
pleased to meet you
We’re here to find the right loan option for your
specific situation. Personalized rates and a simple-
as-possible process: that’s how we do it.
Matt Sapienza
About Me
Matt has developed a true passion for mortgages. Educating his clients throughout one of the most important decisions of their lives is something he finds very rewarding. He also finds great joy enabling the success of his peers and referral partners as he grows and challenges them to be their best.
Matt currently lives with his beautiful wife Sara and their two 6 -year-old hound pit mixes. When he is not originating loans, he enjoys golfing, fishing and spending time on the water. He actively participates in local amateur golf tournaments, and enjoys going to cruise-ins and car shows where he takes his ’46 Chevy pickup inherited from his dad. His charitable efforts include volunteer work for an animal hospital and attending local golf events to help raise money for charity.
Contact
mattsapienza@fibermortgage.com
772.532.9936
https://fibermortgage.my1003app.com/1054940
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REVIEWS ()
the loan process
Wondering how much house you can afford or whether now’s the time to refinance?
Let’s get you the answers you need and the rates you want.
Pre-approval
Prequalification occurs before the loan process even begins. Want us to calculate mortgage rates and estimated down payment costs? Can do. Just click the button below to get started. Your instant prequalification letter is on the way.
Underwriting
The underwriter is responsible for determining whether your application package meets all of the lender’s criteria.
If the underwriter needs more info, we’ll keep you in the loop.
If there are any outstanding conditions –– credit, income or property documentation, or any other fussy little details –– we’ll get them cleared up as swiftly and smoothly as possible.
After the underwriter approves the loan, it’s time to order title insurance and schedule a closing time.
Closing
Closing happens when all conditions are cleared and your loan is fully approved.
At closing, the lender “funds” the loan with a cashier’s check, draft, or wire to the closing agent.
Next, the closing agent disburses funds in exchange for the title transfer to the property. In short, this is the point at which you finish the loan process and actually buy or refinance the house.
Closing locations can vary by state, which is why we provide an online closing solution.
More questions? Don’t hesitate to be in touch!