Curt Galbraith, Mortgage Originator, Lendmire
Curt Galbraith, Mortgage Originator at Lendmire
Mortgage Originator

Curt Galbraith

NMLS# 1411892

Get Pre-Approved with Curt
30-Second Start · No Commitment · Direct Line to Curt

Get In Touch

Reach out to Curt directly.

Call, email, or apply online — whichever feels right. You’ll always reach Curt personally, never a call center.

Direct Contact

Phone (813) 385-1538
Email [email protected]

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About Me

Be Admired.

With over 35 years in the mortgage industry, I bring a depth of experience that few can match. My career spans residential underwriting, team leadership, mortgage insurance, condominium approvals, and even trading interest rates at the Chicago Board of Trade — giving me a rare, full-picture perspective on how the mortgage market really works.

Whether you’re buying your first home or your fifth, my goal is the same: fast responses, clear answers, and an exceptional experience from application to closing. Let’s make your homeownership goals a reality.

Credentials

Background you can trust.

Education, licensing, and 35 years of mortgage industry experience — the foundation behind every loan we close.

01 · Education

Academic foundation.

  • Southern Illinois University Bachelor of Science — Business

02 · Licensing

Authorized to serve.

  • Mortgage Originator License Florida
  • DSCR Financing in 40 States Investor & business-purpose loans
  • NMLS# 1411892 Nationwide Multistate Licensing System

03 · Experience

Thirty-five years deep.

  • Residential Underwriting Decades evaluating and approving loan files
  • Chicago Board of Trade Interest rate trading experience
  • Multi-Discipline Expertise Mortgage insurance & condominium approvals

Mortgage Calculator

Run the numbers before you call.

See your estimated payment, total interest, and amortization across loan programs — then reach out when you’re ready to talk specifics.

Property Details

Qualify on rental cash flow.

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Indicative rate · varies by FICO, LTV, program
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$
$
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DSCR Ratio
1.27
Qualifies · 1.00 +
0.001.002.00+
Loan Amount $320,000
Principal & Interest $2,237
Tax + Insurance + HOA $450
Monthly Cash Flow +$213
About DSCR Qualify the property, not you. No tax returns, no W-2s, no employment verification. The property’s rental income divided by its total monthly debt service must typically clear 1.00 to qualify — higher ratios unlock better pricing.
No tax returns. Close in an LLC. STR-friendly.
Get A Quote
Standard Financing

Backed by Fannie & Freddie.

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%
%
Indicative rate · varies by FICO, LTV, program
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$
$
Total Monthly Payment
$3,311
Includes principal, interest, tax, insurance & PMI.
Loan Amount $382,500
Principal & Interest $2,480
Property Tax $350
Homeowners Insurance $150
PMI Private Mortgage Insurance $159
About Conventional The most flexible loan type — pricing rewards strong credit. PMI applies under 20% down but drops off at 78% LTV automatically. HomeReady® and Home Possible® programs allow as little as 3% down for eligible first-time buyers.
The most flexible path to ownership.
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VA Benefit

Zero down, no PMI.

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Indicative rate · varies by lender, FICO, LTV
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$
Total Monthly Payment
$2,968
No PMI required on VA loans. Funding fee rolled into loan amount.
Base Loan Amount $400,000
VA Funding Fee Rolled Into Loan $8,600
Total Financed $408,600
Principal & Interest $2,516
Property Tax $300
Homeowners Insurance $150
About VA Loans A benefit earned through service. Zero down, no monthly mortgage insurance, competitive rates, and no prepayment penalty. Funding fee is financed into the loan and may be waived for veterans with service-connected disability ratings.
A benefit earned through service.
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Government-Backed

Your first door.

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Indicative rate · varies by lender, FICO, LTV
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$
$
Total Monthly Payment
$2,560
Includes MIP (FHA mortgage insurance) — UFMIP rolled into loan.
Base Loan Amount $313,625
UFMIP 1.75% Upfront · Financed $5,488
Total Financed $319,113
Principal & Interest $2,017
Monthly MIP 0.55% annual $146
Property Tax $250
Homeowners Insurance $125
About FHA Built for first-time buyers and borrowers who don’t fit the conventional box. Gift-friendly down payment and flexible DTI ratios. Mortgage insurance is required for the life of the loan in most cases.
Your first door is closer than you think.
Get A Quote

Why Work With Me

A different kind of mortgage experience.

Three things that set this process apart — from your first conversation to the day you close.

01 · My Approach

Thirty-five years of every angle.

Underwriting. Team leadership. Mortgage insurance. Condo approvals. Even trading interest rates at the Chicago Board of Trade. After 35 years across every corner of the mortgage industry, there’s not much I haven’t seen — and that’s exactly what you want behind your loan.

02 · The Lendmire Advantage

Multi-lender shopping.

Lendmire is a brokerage — we shop top wholesale lenders to find the best rate and structure for your profile. You don’t get one bank’s offer. You get the right one.

03 · Direct Access

Real human, not a call center.

You work with Curt directly — from preapproval through closing. Same name on the email, same voice on the phone, same person at the closing table. Calls returned same-day, questions answered honestly, and a process that adapts to your timeline — not the other way around.

Client Experiences

What Lendmire clients are saying.

Curt is committed to delivering the same caliber of experience our team is known for. Here’s what Lendmire clients are saying about working with us.

Get Started

Ready to get pre-approved with Curt?

Start your application in about 30 seconds. Curt will reach out personally to walk you through the next steps — no commitment required.

Get Pre-Approved with Curt