About Us
Our History
We are a licensed mortgage lender in the state of Florida, Georgia and Virginia and a licensed mortgage broker in Pennsylvania. NMLS ID # 852425. Shirley Adams Financial Services, Inc. was incorporated in the state of Florida on March 23, 2010. It was originally a mortgage broker company licensed to operate in Florida and we then expanded to operate in Virginia, Georgia and Pennsylvania. In 2019, We made the decision to transition from Mortgage Brokering to Mortgage Lending. Our commitment to you our customers remain, we will continue to make the mortgage process as Hassle Free as possible. We are committed to customer service. We will treat you with the respect and dedication you deserve. You are not just a customer here, you are family and we will treat you as such.
Our Vision
To become the most dependable lender of choice.
Our Mission
To help make the American dream of home-ownership a reality for as many people as possible while providing the best customer service and a Hassle Free mortgage process.
Our Difference
Each customer gets individual attention. We are there with you from application to closing and everywhere in between.
Submit a question
Frequently Asked question
For most homeowners, the monthly mortgage payments include three separate parts: Principal: Repayment on the amount borrowed
Interest: Payment to the lender for the amount borrowed
Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.
The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:
Earnest Money: The deposit that is supplied when you make an offer on the house
Down Payment: A percentage of the cost of the home that is due at settlement
Closing Costs: Costs associated with processing paperwork to purchase or refinance a house
There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Shirley Adams Financial Services, Inc can help you evaluate your choices and help you make the most appropriate decision.
There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Shirley Adams Financial Services, Inc can help you evaluate your choices and help you make the most appropriate decision.
Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.
Customers reviews
What people say
Easy & Hassle Stress-free
The Builder i choose want me to use their prefer lender, at first i start the process with them and the loan officer told me im wasting his time because i was asking some questions i decided not to use their lender but thank God for Shirley Adams Financial, Val did a great job helping… me find the best interest rate and answering all my questions and Madison was very patient with me also.
This was honestly easier and a lot more stress free than I thought it would be. Read more “Easy & Hassle Stress-free”
Best experience!
Truly a pleasure to have worked with such an amazing team! We can’t thank Natalie enough for walking us through everything. This is how all first time home buying experiences should be. We HIGHLY recommend to everyone!
Amazing!
This was the easiest mortgage. Everyone was so kind, helpful and patient. They helped to make my dream come true of owning my own home. Thank you to the whole team.
Thanks for the help
They helped me with my first house and they helped my daughter now with her first house! I cannot be more pleased with such excellent service! read less
Mortgage Refinance
My sincerest thank you to Val and his team. He worked tirelessly to make sure our home refinance went well. Val, thank you for caring so much. I will always be grateful to you.
Shirley Adam’s Financial with Natalie is Absolutely the #1 Morgage Company to go to! Don’t waste your time with research or other Lenders just give her a call and you will be Super Happy! Thank you Natalie for everything!
Reverse Mortgage
My name is Donna Angeline and I recently applied for a reverse mortgage with Val Shirley. Val was so pleasant and answered all of my questions and explained the procedure in terms that I could understand. If I was worried about anything, I would call him and he would immediately return my call. Val is… honest and displays so much integrity! I consider him a friend and would recommend him to my friends and family without hesitation! Read more “Reverse Mortgage”
Thank You
I wanted to thank Val Shirley for all the help and support he gave me during the application process for a reverse mortgage. He gently walked me through each and every step, answered all of my questions and kept in contact with every concern that I had. He is a honest man and very easy… to talk to. I definitely would recommend him to family members and friends Sincerely, Donna Angeline Read more “Thank You”
You are the Best Morgage broker ever!
Val is the best mortgage broker that I ever met. I have known a few since I was trying to purchase for the past five years. He made it happen from the beginning to the end as a piece . I salute you Val!
I have worked with Shirley Adams Financial on several purchases and refinance. I have never had any issues on the timeline and approval from them. They are the best to work with if you are looking for the best mortgage rate.
This was the most painless process I have ever had purchasing a home. Natalie Shirley was a dream to work with and guided us the entire way through the process.
I really can’t find the words to express how great you have been . Natalie made this process of getting our Dream Home so simple and exceeded our expectations!! you really did make this stress free! this group was amazing to work with I couldn’t have asked for a better experience. thank you so very… much! ❤ Read more “”
Ms. Natalie actually took the time to listen to my story and my house buying journey. She sympathized with me and made sure I understand every part of the process. Thank you sooo much for making this the easiest and smoothest process. Good bless you and thank you. ❤️❤️❤️
This service is awsome….Natalie my broker and she helped step by step through the process of purchasing my first home on this day….I recommend them for your housing needs…. Thank you so much for making my dreams come…..🎉🎉🎉😉😉😉
Shirley adams financial service has over exceeded my expectations. They were amazing, professional, knowledgeable, and very reliable during my family home buying experience. Val was respectful while making sure we had everything we needed in a timely manner. The Best part of it all, They closed our loan in 3 weeks from date of our… signed contract. Yes, I said it “3 WEEKS”. I thank God that they were introduced to my family. Read more “”
Natalie is the best! She helped us through all the process and making sure we get the best!! Thanks again for all your help and dedication to us!!
This company really help me out with my 1st home purchase. Nathalie made it a pleasure and stress free. Will be recommending them to all my friends and family. Thank you again for all the hard work.
Natalie from Shirley Adams has made this experience the best I could hope for! She really took some stress away from me making it a smooth process and answered any questions I had right away. Thank you so much Natalie and everyone at Shirley Adams you are the best!
Wow!!!! I can’t believe I’m a HOMEOWNER big thanks to my mortgage broker Val and Nathalie !!!!! Joy Worthy For going above and beyond to find me the perfect home that suited every need. Thank you guys so much..I’m so grateful!!!!
Natalie from Shirley Adams is the BEST!!!! Professional, Courteous, and Genuine! She’s compassionate about her job and her goal is to make your dream come true! I recommend her to anyone that’s looking to purchase a home or property! She’s AWESOME at what she does! Thanks Natalie!!!
They helped me with my first house and they helpedThey helped me with my first house and they helped my daughter now with her first house! I cannot be more pleased with such excellent service! my daughter now with her first house! I cannot be more pleased with such excellent service!
I loved working with Natalie on our VA loan. She helped us so much and made the whole process easy and stress free! Will definitely recommend them to anyone looking for a mortgage! Thank you so much for the wonderful service!
This is my 2nd go around with Natalie and I couldn’t be any happier. She’s very professional and explains everything thoroughly. I will keep passing her information to anyone who is looking to purchase a home or refinance their home. A+
