Stacy Ann Stephens

NMLS 1933745

200 Saint Andrews Boulevard, Winter Park FL 32792

Get to know me

The mortgage process shouldn't feel like a secret. I'm Stacy Ann Stephens, Central Florida Mortgage Broker and former Real Estate Broker — and I believe knowledge is power. Whether you're a first-time buyer, moving up, or self-employed, I walk you through every step so you close with confidence. You have a dream. Let's make it happen. 📞 407-630-9766 | 🌐 JhenesisMortgage.com | NMLS #1933745

My experience

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Jumbo Loans

Non-Conforming Loans

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

What should clients expect when working with you from start to finish?

Clear guidance every step — from application to closing. No surprises, no confusion. You'll always know where you stand and what's coming next.

How do you provide rate quotes for clients who want to protect their credit score?

I use a soft credit pull for initial quotes — no impact to your score. You get real numbers without the risk, so you can explore options confidently.

What documents do your clients need to start the process?

Typically: ID, last 2 pay stubs, 2 years tax returns, W-2s, and bank statements. Self-employed? I'll walk you through exactly what fits your situation.

What are your typical fees or lender costs?

Fees vary by loan type and lender. I'm fully transparent — I break down every cost before you commit. No hidden surprises at the closing table.

How do you support clients looking to improve their credit before applying?

I review your credit, explain exactly what's affecting your score, and give you a clear action plan. Knowledge is power — and we'll get you ready.