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Mortgage Loans In Florida & Tennessee

John Vickers began his career in the Florida mortgage industry in 1978. Over the course of 28 years in the Florida mortgage arena John has closed thousands of mortgage loans for millions of dollars. John has developed an extensive network of loyal customers. A vast number of his clients have referred family members and co-workers because of his diligence to maintain an unprecedented level of high quality service and dedicated accuracy to the good faith estimates he provides.

John has done mortgages for two generations of some of his previous customers. Many of these customers hold Mr. Vickers’ professionalism in such high regard that they refuse to deal elsewhere and encourage their co-workers and family members to make a single call when searching for a residential mortgage. John has earned his impeccable reputation one loan at a time by giving his customers the deal they were promised at application and diligently reviewing each settlement statement with the borrower prior to closing. He has always maintained a “no surprises” policy to his closings. Dozens of closing agents have taken the time after closing to call and relate how “easy” our closings went and recount stories of how pleased the customers were with the service they received.

Rates are monitored daily so our customers receive the lowest rates available on any given day. We only offer best effort deliveries allowing negotiation on rates even after our clients are locked. Consequently, our locks protect from increases while still allowing possible rate float downs for our borrowers should market conditions improve.



Mortgage Architects is fully automated utilizing the most current mortgage software available. Our processors and closers are approved to validate findings on both LP and DO submissions. In many cases this allows us to issue approvals the same day complete applications are received. Closing packages are emailed to the closing agents. We like to have the packages there at least 3 days before closing whenever possible. It is our policy to reconcile the good faith estimate to the settlement statement with the borrower for accuracy. This helps us solidify our position with the client while providing ample opportunity to address and/or correct any discrepancies. It also results is smoother closings.

John developed the “Florida Heroes” program to acknowledge the efforts of law enforcement personnel and firefighters in their daily role of protecting and serving every community. This program has been a great success in reducing costs on residential mortgage loans for these heroes. We have now expanded the program into Tennessee and are looking at opening in other states. The program name has changed to “State Heroes” as we continue our expansion.

You can speak with John personally at (866) 848-5911 or e-mail him at john@stateheroes.com with any questions or loan scenarios you have.