Tired of the Mortgage Runaround? Get Your Loan Approved Faster, With Zero Middlemen.

At TammyLoans, you work with ONE expert from start to finish. I am your loan originator AND your processor. This isn't just a different process—it's a better one.

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Frequently Asked Questions — Jacksonville Metro Movers

You've got questions, and we've got answers. We believe getting a head-turning look for your car shouldn't be a mystery or break the bank. We’re car enthusiasts, just like you, and we’ve built our business on giving you the absolute best value in Ontario. Period.

Browse our most common questions below. If you don't find what you're looking for, don't hesitate to reach out.

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Your Questions, Answered.

Get the straightforward answers you deserve about getting your next mortgage.

GENERAL & PROCESS QUESTIONS

What makes TammyLoans different from a big bank or online lender?

The answer is our model: a single point of contact.** When you work with a bank, you're a number in a queue, passed between departments. With me, you have one dedicated expert—me—managing your file from application to closing. I’m both your loan originator and your loan processor. This unique structure eliminates the #1 cause of delays and stress: miscommunication between people who have never spoken to you. You get faster answers, a smoother process, and a loan strategy built specifically for you.

What does the mortgage process look like with you?

We've simplified it into four clear steps:

1. Strategy & Application (1-2 Days): We’ll have a quick call to discuss your goals. Then, you'll complete a simple online application. I'll review it immediately to spot opportunities and potential roadblocks.

2. Document Collection (As Fast As You Are): I'll provide a crystal-clear list of the documents needed. Because I'm also the processor, I know exactly what underwriters need, so there's no back-and-forth for "one more thing."

3. Processing & Underwriting (The Fast Part): This is where our model shines. I personally prepare and submit your file to the underwriter. I anticipate their questions and deliver a clean file, which means faster approvals—often in days, not weeks.

4. Closing (The Finish Line): I coordinate with the title company and attorneys to ensure a smooth, on-time closing. You'll be kept in the loop the entire time, without having to ask for an update.

What types of loans do you offer?

I offer a comprehensive suite of both residential and commercial loan products to meet your specific needs, including:

* Conventional Loans (Fannie Mae/Freddie Mac)

* FHA, VA, and USDA Loans

* Jumbo Loans for high-value properties

* Investment Property Loans (including DSCR - Debt Service Coverage Ratio)

* Refinance Loans (Rate-and-Term and Cash-Out)

* Commercial Mortgages for business properties

If you're not sure what you need, that's what I'm here for. We'll find the perfect fit during our initial strategy call.

What areas do you serve?

I am licensed in CA, GA, FL, MN, TN, VA, WI but I specialize in helping clients in ANY STATE (except NY)! If you're looking to buy, invest, or refinance in this market, you'll have the home-field advantage with a local expert who understands property values and market conditions.

FOR HOME BUYERS

I'm a first-time homebuyer and I'm overwhelmed. Can you help?

Absolutely. This is my specialty.** I remember what it's like to be a first-time buyer. My entire process is designed to remove the fear and confusion. I'll walk you through every step, explain all your options in plain English, and make sure you feel confident and in control. My goal isn't just to get you a loan; it's to make you a smart, empowered homeowner.

How much home can I realistically afford?

The online calculators are a good start, but they don't tell the whole story. The best way to know is to get pre-approved. In our 15-minute strategy call, we can review your income, debts, and savings to give you a powerful pre-approval letter. This shows sellers you're a serious buyer and gives you a concrete budget to shop with, so you’re not wasting time looking at the wrong homes.

FOR REAL ESTATE INVESTORS

I'm an investor. Why should I work with you instead of my bank?

Because investors value speed, certainty, and creativity—and that’s what my process delivers.** Banks are slow and rigid. They treat your investment property like a primary home, leading to frustrating delays and unnecessary paperwork. I understand the investor mindset. I can close deals faster, giving your offer a competitive edge. Plus, I have access to investor-focused loan products like DSCR loans that qualify you based on the property's cash flow, not just your personal DTI.

I want to scale my portfolio. Can you help me secure financing for multiple properties?

Yes. Scaling is all about strategy. We won't just look at one loan; we'll create a financing roadmap for your next 2, 5, or 10 properties. By understanding your long-term goals, we can structure each deal to set you up for the next one. My streamlined process means you spend less time on paperwork and more time finding your next deal.

FOR REFINANCING

When does it make sense to refinance my mortgage?

People refinance for three main reasons, and we can quickly see if one is right for you:

1. Lower Your Monthly Payment: If current interest rates are lower than your existing rate, you could save a significant amount of money each month.

2. Cash-Out for Other Goals: Tap into your home's equity to get cash for home improvements, debt consolidation, or other large investments.

3. Pay Off Your Loan Faster: Switch from a 30-year to a 15-year term to build equity faster and pay thousands less in total interest.

A quick review of your current loan and goals will tell us if a refinance makes financial sense for you right now.

Vehicle Wraps: The Ultimate Customization

How much does a full vehicle wrap cost in Ontario?

This is the #1 question, and our answer is why people choose us. While other shops often start at $4,000-$5,000+, our full vehicle wraps start at a significantly lower price point. The final cost depends on three things:

1. Vehicle Size: A coupe will cost less than a large SUV.

2. Vinyl Type: Standard gloss or matte colors are the most affordable. Specialty finishes like chrome, satin, or color-shifting vinyl cost more.

3. Complexity: Vehicles with lots of complex curves or intricate body panels require more time and labor.

The best way to know for sure is to get a free, custom quote. It takes 60 seconds and is 100% obligation-free.

How long will my vehicle wrap last?

With proper care, you can expect your premium vinyl wrap to look incredible for 3 to 7 years. We only use high-quality materials from trusted brands like 3M and Avery Dennison. The lifespan depends on factors like sun exposure, how you wash it, and road conditions. We provide you with simple care instructions to maximize its life.

Will a wrap damage my car’s original paint?

No, quite the opposite! A vinyl wrap acts as a durable, protective layer for your factory paint. It shields your car from light scratches, rock chips, UV rays, and road debris. When you decide to remove it, the paint underneath will be in the same condition as the day the wrap was installed. Important Note: This applies to vehicles with original, factory-quality paint. Poorly repainted or damaged surfaces can sometimes lift upon removal.

How do I take care of my newly wrapped vehicle?

It's easier than you think!

* Hand wash only. Avoid automatic car washes with harsh brushes.

* Use a gentle, pH-neutral soap.

* Don't pressure wash too close to the edges.

* Wipe up fuel spills, bird droppings, and bug splatters immediately.

What’s the process for getting my car wrapped?

We make it simple:

1. Consultation & Quote: You tell us what you want, and we give you a free, transparent quote.

2. Design & Scheduling: We help you pick the perfect color and material, then book a date for your install.

3. Vehicle Prep: You drop off your car, and we begin our meticulous multi-stage decontamination wash and surface prep. This is the most critical step for a flawless finish.

4. Installation: Our expert installers apply the vinyl with precision and care.

5. Quality Check & Delivery: We perform a final inspection and then call you to come pick up your transformed ride.

SEE OUR WRAP GALLERY & GET INSPIRED

More Ways to Elevate Your Ride

Add that "wow" factor inside and out.

What is a Starlight Headliner and how much does it cost?

A starlight headliner is a custom modification that turns your car's ceiling into a starry night sky using hundreds of tiny, fiber-optic lights. It’s the ultimate interior upgrade for a truly custom, high-end feel. Our installations are clean, reliable, and can even include features like twinkling effects and color changes via a remote or Bluetooth app. Pricing is based on the size of your headliner and the number of "stars" you want, but like our wraps, we offer them for a price that makes luxury accessible.

What are the benefits of Ceramic Coating?

Ceramic coating is the single best way to protect your car’s finish—whether it’s paint or a new vinyl wrap. It’s a liquid polymer that creates a hard, hydrophobic (water-repelling) layer of protection. The key benefits are:

* Insane Gloss & Shine: Makes your finish look deeper and wetter.

* Superior Protection: Shields against UV damage, oxidation, and chemical stains.

* Effortless Cleaning: Dirt, mud, and grime slide right off, making washing a breeze.

* Durability: Lasts for years, not months like traditional wax.

Can I bundle services for a package deal?

Absolutely! This is the best way to get maximum value. Combining a vehicle wrap with a ceramic coating or adding a starlight headliner at the same time is the most cost-effective way to achieve a total vehicle transformation. Ask about our package pricing when you request your quote.

The Nitty-Gritty: Process, Timing & Warranty

Your final questions before you book.

How long will you need my car?

We don't rush perfection. Timing depends on the service:

* Full Vehicle Wrap: 3-5 days. This allows for proper prep, installation, and post-heating to ensure quality.

* Starlight Headliner: 1-2 days.

* Ceramic Coating: 1-2 days (includes paint correction and curing time).

How do I book an appointment?

It starts by clicking any of the "Get My Free Quote" buttons on this page. Fill out the short form, and one of our specialists will get back to you ASAP to discuss your project, provide an exact price, and schedule your appointment. A small deposit is required to secure your spot in our calendar.

What kind of warranty do you offer?

We stand behind our work 100%. We offer a warranty on our installation and craftsmanship, covering issues like peeling, bubbling, or lifting due to installer error. The vinyl itself is also backed by a manufacturer's warranty from brands like 3M and Avery. We build cars for the community, and our reputation is everything.

Do you offer Paint Protection Film (PPF) or Window Tinting?

Our mission is to be the absolute best at what we do, which is why we currently specialize in vehicle wraps, starlight headliners, and ceramic coatings. While PPF and tints aren't on our service menu yet, we are always listening to our clients and expanding our offerings. Follow us on Instagram [@YourInstagramHandle] for updates and future service announcements!

Experience the Difference. Get Your Loan, Not a Headache.

You're one decision away from a mortgage process that's actually designed for you. No more chasing down answers or wondering what's going on. Just one expert, one point of contact, and one goal: getting your loan closed on time, with zero drama.