Ellus Group

Helping families with home loans in the Tampa Bay Area, Sarasota, and Orlando.

WHAT WE DO: We help families to finance or refinance their homes, businesses, and investment properties WHAT IS IN IT FOR YOU: With us you have more mortgage loans options than with a local bank. With one application you have access to hundreds of banks in our network and to thousands of loan programs increasing your chances of approval to better loans and huge savings.


Your money: Buying or refinancing? The mortgage rate frenzy is back

REFINANCING FEVER: The lowest interest rates in years is making home owners run to refinance their mortgages.



Whatever your dream or whatever you feel you have and need to do, take a small step towards it today. It will move you in the direction you have chosen. Nothing good will happen unless you decide to take the first step, today.

We know what our clients really feel inside

Na verdade nós sabemos como os nossos clientes realmente se sentem por dentro
depois de refinanciar suas casas conosco e pagar todas as outras dívidas. Mesmo quando eles não querem demonstrar.

Este video foi inspirado por eventos reais : )


How far behind?

How far behind?
Should you give up?

There are people who have read far more books than you have, and you will certainly never catch up.

Your website began with lousy traffic stats, in fact, they all do. Should you even bother?

The course you’re in–you’re a few lessons behind the leaders. Time to call it quits?

Quitting merely because you’re behind is a trap, a form of hiding that feels safe, but isn’t. The math is simple: whatever you switch to because you quit is another place you’re going to be behind as well.

It’s not a race, it’s a journey. And the team that scores first doesn’t always win.

Seth Godin @ https://seths.blog/2018/06/how-far-behind/

seths.blog Should you give up? There are people who have read far more books than you have, and you will certainly never catch up. Your website began with lousy traffic stats, in fact, they all do. Should you…

If you are convinced renting is not the best choice for your future goals, learn more about the possibilities available to you. Talk to us and let's work together on a plan so you can buy your own home soon and stop renting. We have helped many, many families through out the years and we can help you, too. Check the possibilities! Start here: https://www.loanhouz.com/no-more-rent

The LoanHouz

We are expanding! Now we have more options to help and serve more people with great solutions for their most unique and special mortgage and financing needs.
The Ellus Group became a true loan houz. Besides having some of the best residential mortgage loan programs and rates, we have a lot more in Commercial Real Estate & Business Financing Solutions partnering with over 800 lenders and investors. Visit our new site @ www.loanhouz.com

Taste and See Tampa Bay

🏆 BEST IN FLORIDA ☀️ Tampa Bay has recently won the title of ‘best place to live’ in Florida!

Details >> http://bit.ly/2HACXG2

"If you want to be wealthy and happy, learn this lesson well: Learn to work harder on yourself than you do on your job.” Earl Shoaff
True success does not happen by chance. It's a natural result of an intentional, focused and determined investment on your personal growth.

How to Maximize Your Credit Score


How to Buy a Home in One Year – Your Mortgage timeline


ellusgroup.com Preparing to buy a home and for a mortgage is like planning for a big event. By following this timeline, you will avoid a lot of stress and frustration...

Reach your goals by focusing on what matters the most to you

A simple way to accomplish more and experience more fulfillment on the New Year.


12 Steps to a Successful Home Buying Experience

ellusgroup.com Professional Tips For First Time Home Buyers - A quick checklist for your home buying journey. If you have questions about the home buying process...

It may be the time to refinance your home loan

Many people ask us if they should refinance or if this is a good time to do so.

In reality, you may be able to lower your monthly mortgage payments and save tens of thousands of dollars over the life of your loan by refinancing your mortgage.

It’s time for YOU to refinance if…

1. You have a better credit score than you had when you first bought your home.
2. Your home value increased.
3. You want to get some cash out to make home improvements.
4. You would like to consolidate loans and payoff high interest debts.
5. You need to change from an adjustable-rate mortgage to a fixed-rate loan.
6. Or, if you want to change the term of the loan from 30 to 15 years.

If you can save money, why not? Check the possibilities, talk to us.


Hurricane Irma damage? Tips for filing an insurance claim


miamiherald.com Hurricane Irma left a path of destruction all over Florida, and insurance companies are expecting up to 450,000 claims. Here are some tips on how to get started and how to avoid being ripped off.


U.S. home sales to foreigners surge 49% to new record

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REIT Basics

Think real estate investing takes a lot of money? Think again. REITs (Real Estate Investing Trusts) make real estate investing as simple as buying a stock. L...


What are the Positives & Negatives of Investing in Real Estate? - Crowdfund Insider

What are the Positives & Negatives of Investing in Real Estate?

Real estate investor and philanthropist Louis Glickman is famously known for saying “the best investment on earth is earth.” As a man who made his fortune in real estate, it’s safe to assume that he knew what he was talking about. But, does his wisdom carry over to the general population? Let’s take a look at some of the positives and negatives of investing in real estate, and then you can decide for yourself.

POSITIVE – Real estate is a tangible asset

You can touch and see your investment. It’s a physical property, not a display on a computer screen or on a TV-news ticker as with stock market investments. If you’re a hands-on type of person, you’ll likely feel much more in control when investing in real estate.

NEGATIVE – Homes can be a hassle

Your real estate investment will likely require emergency repairs, as well as regular maintenance and upkeep. This can require some serious time investment, depending on the property, as well as additional financial investment, especially if you rely on subcontractors to handle the work for you.

Money International Global CurrencyPOSITIVE – Source of steady income

Keeping your real estate investment properties filled with good tenants guarantees a steady and consistent monthly income. Those regular checks can be a real boost.

NEGATIVE – Not a liquid asset

Money kept in a back can be withdrawn at any time. The stock market is a quick, buy-and-sell environment. Real estate investing, however, is a very time-intensive process. Even if you are lucky enough to find a buyer for a home you’re planning to flip on the same day you purchase, you’ll have to first go through the entire paperwork process, which frequently takes several weeks. In order to get cash out of your investment property, you’ll need steady renters, or you’ll need to borrow against the equity.

POSITIVE – True value, regardless of economic climate

There is always value in real estate. It fulfills a basic need. Even when the economy is at its lowest of lows, people will always need a place to life. It is certainly possible to lose money in real estate, but any property that you own free and clear is an asset with true value.

NEGATIVE – Your liabilities are high

When you own stock in a company, you are not directly liable for any illegal or underhanded business that company may conduct. But when you own real estate, you are liable for the actions of your tenants, regardless of how they occur. If someone slips and falls on the steps of your investment home, you are the one who will be sued. Additionally, you, as the owner, bear the burden of maintaining proper insurance for the property. As real estate investing involves a hard asset,the risk profile is an inherently different form of investment than early stage investing.

Source: https://www.crowdfundinsider.com/2016/07/87495-positives-negatives-investing-real-estate/

www.crowdfundinsider.com Real estate investor and philanthropist Louis Glickman is famously known for saying “the best investment on earth is earth.” As a man who made his fortune


Zombie Foreclosures still haunting Tampa Bay but not as scary

www.wtsp.com The numbers are improving as real estate values rise, but not nearly as fast as the rest of the country.


Getting Rich In Real Estate

The 3 great ways to become a real estate investor

FORBES reporter Morgan Brennan breaks down three housing plays offering high returns.


How to Begin Investing in Real Estate


money.usnews.com Lessons learned from stocks, bonds and mutual funds won’t help.


How Real Estate Adds to Retirement Income

money.usnews.com For some investors, real estate is a viable option for generating money and diversifying your investments.


Developer moves forward with affordable apartments near South Tampa (Rendering) - Tampa Bay...

www.bizjournals.com An Atlanta group has closed on a 12-acre site.


4 Hidden Costs of Selling Your Home -- The Motley Fool

fool.com Don't let these catch you off guard.


5 Tips For Flipping Houses After The Bubble | Bankrate.com

www.bankrate.com Flipping houses is back. But have things changed since the housing bubble? Here are the best tips on flipping houses from those with experince.


8 Things to Consider When Buying Investment Property

money.usnews.com Real estate can be a great investment, but picking the wrong property is disastrous.


Seminoles plan new Tampa hotel tower with gambling expansion

Seminoles plan new Tampa hotel tower with gambling expansion

TAMPA — The Seminole Tribe would launch a $1.8 billion expansion of its Seminole Hard Rock casino complexes in Tampa and Hollywood if state lawmakers approve a gambling deal that allows the tribe to offer more types of games, tribal leaders said Monday.

The project would include a second hotel tower at the Tampa site at Interstate 4 and Orient Road, adding more than 500 guest rooms and a new music venue. The Hollywood site would get a new 36-story hotel shaped like a giant guitar.

www.tbo.com TAMPA — The Seminole Tribe would launch a $1.8 billion expansion of its Seminole Hard Rock casino complexes in Tampa and Hollywood if state lawmakers approve a gambling deal that allows the tr


Buyer Demand Continues To Outpace Housing Supply

simplifyingthemarket.com The price of any item is determined by the supply of that item, and the market demand. The National Association of Realtors (NAR) recently released their latest Existing Home Sales Report. Inventory Levels & Demand Sales of existing homes rose 3.2% from May, outpacing year-over-year figures fo


This Is NOT Your Parents’ 3% Down Payment Plan

simplifyingthemarket.com In their latest Housing Market Insight & Outlook report, Freddie Mac revealed that recent low down payment initiatives have raised concerns that we may be returning to the same lax mortgage qualifications that caused the housing crisis from which we are just now recovering. The report went on


First-Time Homebuyer Tips

Buying a home can be exciting and stressful at the same time, especially for the first-time homebuyer. Here are some tips to help you through a complicated p...


Where Should I Retire? [INFOGRAPHIC]

simplifyingthemarket.com Some Highlights From The Report: 80% of all pre-retirees in the South Atlantic region plan to stay there in retirement 4 out of 10 pre-retirees plan to relocate in retirement Retirees in the South Central Region are most satisfied with their Cost of Living For more information or to rea


Housing Inventory Slowly Disappearing

simplifyingthemarket.com The price of any item is determined by the supply of that item, and the market demand. The National Association of Realtors (NAR) released their latest Existing Home Sales Report this week. Inventory Levels & Demand Amidst reporting on the fact that sales of existing homes rose 1.2% from J


New Construction = New Competition

simplifyingthemarket.com For the last several years, home sellers had to compete with huge inventories of distressed properties (foreclosures and short sales). The great news is that the supply of these properties is falling like a rock in the vast majority of housing markets (only 11% of homes sold in January). Many ho


Where Are Mortgage Rates Headed?

simplifyingthemarket.com The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate the greater the payment will be. That is why it is important to look at where rates are headed when deciding to buy now or wait until next year. Below is a chart created using Fred


The Growth of Latino-Owned Farms in the U.S.A.

simplifyingthemarket.com A recent Fox News Latino article talks about the healthy growth of Latino-Owned farms. According with the Census of Agriculture “there has been a 21 percent increase in ownership in the last 5 years.” Most of those farms are small or mid-sized with greatest concentrations living in Texas, Ne


Rehabbing Home Strategies For Flippers | RealtyTrac Report

Flipper Jennifer Laske goes over rehabbing home strategies for flippers. RealtyTrac Reports: New Episodes Every Thursday! - - - - - - - - - - - Subscribe on ...


Foreclosure Inventory Down 34.3% from Last Year

simplifyingthemarket.com According to the latest CoreLogic National Foreclosure Report, “approximately 552,000 homes in the US were in some state of foreclosure as of December 2014”. This figure is down 34.3% from the 840,000 homes in December of 2013. December marked the 38th consecutive month in which there


Still a Great Time to Buy a Home…but HURRY!!

simplifyingthemarket.com Kevin Kelly, Chairman of the National Association of Home Builders (NAHB), recently explained that: “With interest rates near historically low levels and strengthening job growth, now continues to be a great opportunity to buy a home.”


Attaining the American Dream: 5 Financial Reasons to Buy

simplifyingthemarket.com Heading into 2015 many people have their sights set on buying a home. The personal reasons differ for each buyer, with many basic similarities. Eric Belsky, the Managing Director of the Joint Center of Housing Studies at Harvard University expanded on the top 5 financial benefits of homeownershi


Top 50 Restaurants of Tampa Bay | Tampa Bay Times

The top 50 restaurants of Tampa Bay

www.tampabay.com Tampa Bay Times food critic Laura Reiley brings you the top 50 restaurants of Tampa Bay in 2015. Browse our list for reviews, ratings, directions and more.


Breaking News: Fannie and Freddie formally announce 3% Down Programs


simplifyingthemarket.com Yesterday, HousingWire reported that both Fannie Mae and Freddie Mac formally announced their 3% down options on home purchases. Fannie Mae’s plan will be effective December 13, 2014 while the Freddie Mac plan will be available March 23, 2015. The HW article quotes FHFA Director Mel Watt: “

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Videos (show all)

We know what our clients really feel inside
Este video foi inspirado por eventos reais : )
Ellus Home Loans
The LoanHouz
How to Maximize Your Credit Score
Reach your goals by focusing on what matters the most to you




8401 JR Manor Dr Suite 100
Tampa, FL

Opening Hours

Monday 08:00 - 19:00
Tuesday 08:00 - 19:00
Wednesday 08:00 - 19:00
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Saturday 09:00 - 13:00
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