- 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.
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Refinancing can be a powerful financial tool, but it’s not always the right move for everyone. In today’s mortgage landscape, many homeowners wonder if a refinance is the best decision for their financial situation. In this post, we’ll dive into the benefits and potential drawbacks of refinancing your mortgage, so you can make an informed decision.
Let me let you in on a little secret; Morgan Financial does Refinances. I know we’re known for helping people purchase homes with a mortgage, but the same reason you would come to us for a purchase, you will come to us for a refinance. We do what is in the best interest for the client time and time again.

In the current housing market, navigating the complexities of homebuying can be daunting, especially with economic uncertainties and fluctuating interest rates. In a recent discussion, Joe Harris from Morgan Financial and Lindsay Clark delve into the top five fears that homebuyers face in 2024 and offer practical advice to overcome them.

A Buyer Broker Agreement is a formal contract between a homebuyer and a real estate broker that establishes a professional relationship where the broker is committed to assisting the buyer in finding and acquiring a property. This agreement outlines the roles, responsibilities, and expectations for both parties, ensuring that the buyer’s interests are represented throughout the transaction.

The Mortgage Interest rates have been very volatile, and you can take advantage of the volatility if you are prepared. Be ready by having a good line of communication with your licensed Mortgage Loan Originator. Furthermore, make certain that you get your loan documents to your loan officer up-front, so that you can move quickly when the opportunity to arise.
Schedule a consultation with the Morgan Financial team to explore mortgage and refinancing options tailored to your needs.