Dan Clancy
MORTGAGE
Senior Loan Originator
Branch Manager
powered by ShayMak Mortgage
Licensed to Close Loans in FL, PA and MI
Get to Know Me
With over 18+ years of experience in the mortgage industry, I have the tools and expertise to help you get into your dream home!
What I bring to the table is me, my expertise, and my knowledge of how to get a loan. Couple that with the power of hundreds of available lenders and I can find the right fit and best price for virtually every scenario!
Bringing Wholesale Rates to Your Front Door!
Simply put we have more products and programs and we shop your loan options with many lenders on your behalf!
The Mortgage Process
Let’s not over-complicate this. Here’s a little guide for how the loan process will go without all the confusing terminology.
Getting Started
- The entire loan process begins with one important step: a conversation. Mortgages are never a one-size-fits-all solution. By taking the time to review your big financial picture and goals, we can choose the best path forward with confidence.
Gather & Review Documentation
- Getting a home loan unfortunately requires a lot of paperwork. We’re going to ask you for a lot of documents related to your income, assets, debt, and more. Each of these things helps us determine how much money you can realistically borrow – and payback.
Credit Report
- Next, we’ll need to order a credit report, a detailed history of your debts (car loans, credit cards, etc.) that is compiled by a third party. Your loan officer can help you figure out ways to improve your score or uncover and manage inaccuracies should they appear.
Review Loan Options
- You may have already heard us talk about the right loan -that’s our belief that every borrower should get the best option tailored for their needs. We’re not interested in creating assembly-line loans to ship out the door at all cost. We want to do right by every borrower and every partner who trusts us with their business.
Pre-Approval Documentation
- If you’re working with a real estate agent to find a home, at this point we will give you a pre-approval letter that proves to a seller you are qualified to buy their home.
You Found The House, You Put In The Offer, And Your Offer Has Been Accepted, Congratulations!
Appraisal
- After your offer is accepted, we’ll order an appraisal of the property. An independent appraiser will then assess the property’s value. This enables us to know whether the home is worth what you’re paying for it.
Underwriting
- Underwriting is a fancy word for making sure your loan application fits our program guidelines. This is the moment when we review all the documentation we’ve gathered alongside third-party appraisal and title reports.
Closing
- This is the part where we transfer the money to the seller. You will need to sign a lot of documents, but it’s worth it – now you’re a new homeowner!
WE CAN CLOSE IN AS LITTLE AS 10 DAYS!
Loan Programs
Conventional Home Loans
- Conventional loans are the most common type of loan and are ideal to help homebuyers find their best mortgage plan with simplicity.
- Find more information here.
Jumbo Home Loans
- Homes that exceed the standard conventional loan limits may be a good fit for Jumbo home financing.
- Find more information here.
FHA Home Loans
- Low down payment and down payment assistance options along with a variety of flexible credit requirements open the door for many buyers using FHA home loans.
- Find more information here.
Veteran Home Loans
- A great mortgage loan for service members, veterans or surviving spouse of veterans.
- Find more information here.
Refinance Your Mortgage
- Take advantage of a lower interest rate to lower your monthly payment or shorten your term.
- Find more information here.
FHA Home Loans
- Low down payment and down payment assistance options along with a variety of flexible credit requirements open the door for many buyers using FHA home loans.
- Find more information here.
Home Renovation Loans
- A single loan to help homebuyers purchase/refinance and renovate.
- Find more information here.
Low Down Payment Loans
- One of the biggest obstacles for first-time homebuyers is saving enough money for a down payment. There are many options for those needing a lower down payment.
- Find more information here.
USDA Home Loans
- Purchase rural area homes with little to no down payment.
- Find more information here.
As Good As Cash
- When you have a Good as Cash Approval, you get the confidence of being approved even before you start shopping! You'll know how much you can afford and can act fast with your offer. A Good as Cash Approval means your offer stands out!
- Find more information here.
ALSO AVAILABLE
- HELOC’s
- Construction Loans
- Buy Before You Sell
- Investor Loans
- Limited Document Loans
- Bank Statement Loans
- 1% Down Conventional Loans
- Down Payment Assistance
Satisfied Clients
Vicki T.
Dunedin FL
"Our insurance agent referred my husband and I to Dan Clancy to assist us in refinancing our mortgage. We found him to be extremely knowledgeable, professional, and efficient. Dan and his team made the process seamless and swift. We are very grateful that we found a skilled loan consultant and highly recommend him."
C. Hernandez
Citrus Park FL
"I have [financed] 8 homes in my lifetime and the process with Dan was by far the best experience. From contract to clear to close in 32 days. Dan beat competing rates and fees."
Kathy T.
Holiday FL
"Dan was extremely helpful and creative with my loan process. I highly recommend him to my family and friends! Also to mention how uncomplicated and clear on all costs. His genuine caring totally exceeded my expectations. I'm so grateful I chose Dan for my first home purchase."
Brian L.
Palm Harbor FL
"Dan Clancy is the best loan officer in the Tampa Bay area! No one has the experience and knowledge he possesses! His instant response time also sets him apart from the rest! I wouldn't trust anyone else!"
Renee Z.
North Port FL
Dan was a very very important part of our process to get my family and I our dream home. He is very knowledgeable and walked us through the whole process. He responded right away if we had any questions or concerns. He went above and beyond. We couldn’t have done it without Dan and we are forever grateful for him. I would extremely recommend Dan!
Jorge V.
Clearwater FL
"Dan is the man! His customer service is above and beyond. If you are a fist time home buyer he is the one you need to talk to. He’ll walk all the way with patience and understanding by the end you’ll feel as if [ you're] talking to an old friend."
Get in Touch
Address
Email
Phone
ShayMak Mortgage LLC NMLS #1989312
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