Erice Wingate - Mortgage Loan Officer + Realtor

Erice Wingate - Mortgage Loan Officer + Realtor Mortgage Loan Officer and Real Estate Professional based in West Palm Beach, Florida. NMLS #2832620
https://www.nmlsconsumeraccess.org

Florida 🌴
Phil. 4:8 ✝️

Helping locals, new to Florida buyers, and investors navigate through the homebuying process.

A lot of people think they need perfect credit or 20% down to buy a home.The truth? That's not always the case.If you've...
06/23/2026

A lot of people think they need perfect credit or 20% down to buy a home.

The truth? That's not always the case.

If you've been wondering whether homeownership is possible for you, join my FREE First-Time Homebuyer Workshop. I'll break everything down in plain English and answer your questions live.

🗓️ Tuesday, June 30, 2026

⏰ 6:00pm

📍 Zoom

Save your seat here:
https://ewingateloans.com/fthb-fbads

Looking to borrow some cash to make that life changing purchase? Could be a car, a pizza oven, a workspace, a fancy tool...
06/22/2026

Looking to borrow some cash to make that life changing purchase?

Could be a car, a pizza oven, a workspace, a fancy toolkit, or even a house…

Before you go rushing into the lenders office pen in hand, have a look at these tips for responsible borrowing:

-Spend time looking at your options, researching what offers are available and getting advice. Perhaps you need the loan quickly and you feel like there is no time – but the wrong decision can have you paying for years in the future.
-Always find out the total amount you will have to repay when borrowing. A shorter repayment period may beat a slightly lower Annual Percentage Rate (APR) amount.
-Know the difference between secured and unsecured loans. With a secured loan you can lose your home if you don't consistently make payments
-Make a budget to ensure you will be able to afford making payments
-Watch out for interest free deals. They seem great, but are only interest free if you pay them off within a certain time period. If you don't pay them off in time, the interest rate goes through the roof!

It's a dog eat dog world out there, so avoid the loan sharks and come out to see us. We will give you the assistance you need, without the shady hidden fees :)

First-time homebuyer? 🎉🏡 Get pre-approved before house hunting to know your budget and show sellers you're serious! 💵🔑
06/19/2026

First-time homebuyer? 🎉🏡 Get pre-approved before house hunting to know your budget and show sellers you're serious! 💵🔑

🏡 Thinking about buying a home but worried about the down payment?Many people assume they need years of savings before t...
06/18/2026

🏡 Thinking about buying a home but worried about the down payment?

Many people assume they need years of savings before they can purchase a home. The reality is that there are programs available that may help qualified buyers cover some or all of their down payment requirements.

Some programs offer:
✅ Little to no down payment
✅ Credit scores as low as 580
✅ Availability for both first-time and repeat homebuyers
✅ No income limits in many cases

Every situation is different, but it’s worth exploring your options before assuming homeownership is out of reach.

Have questions about down payment assistance? Drop them below and I’ll do my best to help. 👇

FloridaHomebuyers

Here’s one for you:A 20% down payment is required to get a mortgage…
06/15/2026

Here’s one for you:
A 20% down payment is required to get a mortgage…

Renting vs. Buying? 🤔 Owning a home builds equity, while renting pays someone else’s mortgage! Invest in YOUR future tod...
06/12/2026

Renting vs. Buying? 🤔 Owning a home builds equity, while renting pays someone else’s mortgage! Invest in YOUR future today! 📈🏠

🏡 Thinking about buying a home but not sure where to start? 🏡If you’ve been wondering about down payment assistance, cre...
06/11/2026

🏡 Thinking about buying a home but not sure where to start? 🏡

If you’ve been wondering about down payment assistance, credit requirements, mortgage options, or the homebuying process, this is a great opportunity to get answers from local housing professionals—all in one place.

📍 8th Annual Riviera Beach Renaissance Housing Fair
📅 June 13, 2026
⏰ 9:30 AM – 2:00 PM
📍 Riviera Beach Marina

You’ll find:
✅ Housing resources
✅ Down payment assistance information
✅ Credit guidance
✅ Access to lenders and industry experts
✅ Local vendors and giveaways

As a Mortgage Loan Officer, I know how overwhelming the homebuying process can feel. Events like this are designed to connect you with resources that can help make homeownership more achievable.

Whether you’re a first-time homebuyer, looking to improve your credit, or just exploring your options, I encourage you to stop by and learn what’s available.

Tag someone who’s been talking about buying a home! 👇

DownPaymentAssistance FloridaRealEstate PalmBeachCounty HomebuyerEducation MortgageLoanOfficer EwingateHomes NexaLending DreamHome HousingFair CommunityResources 🏠✨

Mortgage pre-qualification and mortgage pre-approval are not the same!When it comes to the former, the applicant provide...
06/10/2026

Mortgage pre-qualification and mortgage pre-approval are not the same!

When it comes to the former, the applicant provides information to the lender, such as income, employment, existing debts, etc.

This information is enough, in most cases, to pre-qualify the applicant for a mortgage.

However, this information is not yet VERIFIED, which means the applicant is not yet approved, and information may arise to disqualify the applicant.

To avoid this, go after pre-approval – that is, have your information verified first.

Let us know if you have any questions or need any assistance – we are always here to help :)

06/09/2026

Thinking about tapping into your home equity? 🏡

Not all equity products work the same way.

A HELOC gives you access to funds as you need them, while a home equity loan provides a lump sum with a fixed payment schedule. The right choice depends on your goals, timeline, and how you plan to use the money.

Whether you’re renovating your home, consolidating debt, covering education costs, or planning a major expense, choosing the right equity strategy can make a big difference in your long-term financial picture.

Before you borrow, make sure you’re comparing the options—not just the rates.

💬 Comment “INFO” below or send me a DM, and I’ll help you determine which equity product may be the better fit for your situation.

RealEstateEducation FinancialPlanning NEXALending

Address

West Palm Beach, FL
33407

Telephone

+15613181388

Website

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