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Tina Alexiou

Tina Alexiou

NMLS# 327972

4645 S. Clyde Morris Blvd., Suite 409
Port Orange, FL 32129

386-756-0301 / office

Serving Florida and Alabama.


You got questions? We got answers!

At TMFFMS, we have been serving our local communities since since 2011, and it has been a labor of love and true privilege. It is our dream and our mission to make your dream of homeownership a reality and to make the mortgage process simple for every one we serve.

At the A Team, it's not just about the sale!

An important part of our role as your mortgage advisor is to be there for you, and be a true asset and partner to you as you embark on your mortgage journey. Whether you are a first-time homebuyer or a seasoned investor, we are here to help you through the maze and answer your questions.

So whether you are buying now or a year from now, whether you are super-qualified or are facing some obstacles along the way and have questions, we are here for you, and this is why we created the Just Ask Tina section of our website. Our goal is create a repository of answers that truly speak directly to the concerns and questions you may be currently facing.

So if you have a question, all you have to do is ask Tina.

Your questions and our answers will be posted here with the goal of helping others just like you who may be have the same question.


Should I get pre-qualified before house hunting?

What happens if I miss a mortgage payment?


Most mortgage payments are due on the 1st of the month and late after the 15th. You have a grace period of 15 days before you are considered late. If your payment arrives after the 15th, you will be assessed a late payment fee. However, if you are more than 30 days late your credit will take a beating, and that could potentially cost you more on other types of credit. You must prioritize your mortgage payment every month and make sure it is paid on time. It is the most important payment that will impact your credit report!

How much mortgage can I realistically afford?


There are two important steps to take in determining your monthly payment. The first step is always to speak with a mortgage professional to determine how much you can qualify for. Correct information will only come from a complete pre-approval process and not from any calculators on the internet. Once you know what you qualify for, then you must take a look at your budget to determine for yourself the monthly payment you can handle comfortably. Talk to Tina for your free assessment.


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