Home Loans By U, Inc. was established in 2005 right before the financial crash.
After working for Big Banks and Lenders for over a decade as a Loan Officer and an Account Executive, Will Pinnick realized the disconnect between consumers/families and these large financial institutions.
Far too many families were pushed away because of the limited programs that were being offered at the Big Banks / Lenders. Far too many families were dissatisfied because of the lack of attention to detail and limited customer service they experienced.
There was no personal relationship with the families applying for a Home Loan and Loan Officers would be pushed to take a daily amount of loan applications without ever looking at any of the financial documents to assure the accuracy of the loan.
It was a numbers game and taking applications was and still is the name of the game for these large financial firms.
It is NOT getting any better for families today. It is now evolving to Automation to accelerate the number of applications they can submit, and Banks / Lenders are reducing the number of Loan Officers they employee.
While this may seem like a benefit to technology savvy consumers. When it comes to your home it is crucial to have an experienced Mortgage Loan Expert review everything up front not days before its scheduled to close. Will Pinnick President of Home Loans By U, Inc. had a vision. To become a Trusted Respected Mortgage Broker Firm in the Great State of Florida. Will’s vision would give access to every consumer Every Home Loan Program Available providing Home Owners or Buyers with more options. In addition to make sure that every Home Loan Applicant is provided exceptional service and diligent and accurate Loan Pre-Approvals and information. Our goal is to help families realize their Dream of Home Ownership and to assist families Refinance to realize their financial goals. Will Pinnick is a veteran not only in the mortgage financing industry with over 20 years of experience but also proud to have served our country!
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154