- 1441 N Harbor City Blvd - Melbourne - FL - 32935
Joe Harris is the COO of Morgan Financial, where he oversees operations, sales, and marketing to ensure a fast, enjoyable, and consistent mortgage experience. With more than 25 years in the industry and over $1 billion funded, Joe combines deep expertise with a passion for helping clients achieve homeownership. He is also dedicated to training and equipping loan officers with the tools and strategies they need to thrive in a competitive market.
NMLS#322991
As we prepare to welcome 2025, it’s important to reflect on the journey we’ve had this year. At Morgan Financial, our commitment to our mission—being Fast, Enjoyable, and Consistent—and our vision of creating an environment for others to prosper guided every step we took in 2024.
Shopping for a mortgage is one of the most significant financial decisions most people make in their lifetime. It’s not just about finding the lowest interest rate; it’s about understanding the full scope of what you’re signing up for. Here’s how you or your clients can shop smartly, avoid red flags, and choose the right lender for the journey to homeownership.
The Federal Housing Finance Agency (FHFA) has just announced a game-changing update for borrowers in 2025: the conforming loan limits have increased to $806,500! That’s a significant jump of over 5% from 2024, and it’s fantastic news for anyone considering buying a home next year.
When it comes to selecting a mortgage, the options can feel overwhelming. From FHA and VA loans to conventional and USDA options, each loan type offers unique benefits suited to different financial situations and needs. Here’s a breakdown to help you understand which mortgage might be the best fit for you.
Locking in the right mortgage rate at the right time can make a significant difference in how much you pay over the life of your loan. In this comprehensive guide, we’ll break down everything you need to know about mortgage rate locks, so you can make informed decisions and avoid costly mistakes.
Schedule a consultation with the Morgan Financial team to explore mortgage and refinancing options tailored to your needs.