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Navigating the home-buying process can be daunting, especially in today’s ever-changing market. That’s why OrlandoVibeNow sat down with mortgage professional Steve Intrieri of Coast2Coast Mortgage to get the real scoop on common misconceptions, practical do's and don'ts, and a heartfelt reminder that financial freedom is attainable for everyone—yes, even a cafeteria lady. With over two decades in the business, Steve brings experience, clarity, and compassion to an often confusing process.
Meet the Expert: Steve Intrieri has called Central Florida home for over 26 years and has worked in nearly every facet of the mortgage industry for the past 24. Whether helping a first-time buyer, a military veteran, or someone investing in a 10-unit property, Steve focuses on listening carefully and offering tailored advice that makes financial sense.
“You Don’t Need 20% Down!” One of the most persistent mortgage myths is that buyers need a 20% down payment to qualify. Steve sees this all the time. "A lot of times they'll say, 'I'm waiting to save up that 20% so I don't have to have mortgage insurance,'" he explains. "But that's not correct."
He goes on to point out that there are numerous low or even no-down-payment options. "There are many 100% financing programs," Steve says. "VA loans, USDA for rural areas, and even FHA products can get you in for 3.5% down—sometimes less when paired with down payment assistance."
And the fear of mortgage insurance? It's generally needed on homes with less than 20% down. The fear is often overstated. "If your credit score is good, mortgage insurance can be very surprisingly low," Steve says. "And that would be a small price to pay to get into a home now, rather than waiting years to save say, $80,000 for a full 20% down payment."
“The Right Paperwork & Documentation is Key” Another hurdle Steve sees is a lack of preparation for the documentation needed to secure a mortgage. “Getting a mortgage is not like getting a credit card,” he says. “You need to show two years of income, tax documents, pay stubs, and bank statements."
The key to avoiding delays? "Have your documentation ready in advance," he advises. "Especially large deposits—if you're going to sell a car or get a gift, you need a paper trail. No 'cash under the table' deals."
“Financial Wisdom…From an Unexpected Source” Steve's wisdom doesn’t end at rates and ratios. He shared a memorable story that embodies his respect for financial discipline:
…a cafeteria worker with modest income and extraordinary savings.
"She had more in savings and was more financially sound than people making $200,000 a year," Steve recalled. "She planned, she budgeted, and she was going to live her years out better than most. That impressed me more than any big-spending high earner."
That story isn't just touching; it reinforces Steve's philosophy that home ownership and financial stability are within reach for those who plan smartly.
To Conclude: From debunking down payment myths to sharing practical advice on flood zones and insurance, Steve Intrieri offers more than just numbers—he offers peace of mind. His goal is clear: to listen first, educate always, and help clients make choices that align with their life goals, not just their loan approvals.
Steve Intrieri is a Mortgage Loan Originator at Coast2Coast Mortgage, serving clients across Florida. With over 24 years of industry experience, he specializes in VA loans, little known homebuyer programs, and investment property financing. Known for his deep knowledge and personal touch, Steve believes in educating clients every step of the way. When he’s not helping families into new homes, you might find him unwinding at New Smyrna Beach or enjoying the quiet, cool springs of Central Florida.
If you'd like to hear more from Steve and his expertise, give him a call or send a note:
Ph: (321) 299-2782 Email: Steve@Coast2CoastML.com
Know someone in Orlando making a difference? Email us at OrlandoVibeNow to suggest our next interview!
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