Mortgage Loan Advisor
NMLS# 1668094
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cheryl@communitylendingfl.com |
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(561) 880-1204 |
If you’ve been waiting for the right time to buy a home in Florida, the latest changes to the Florida Hometown Heroes Program may create new opportunities. The Florida Legislature has refunded the program with $50 million, and several important updates have expanded eligibility, increased income limits in many counties, and made the program available […]
If you’ve been searching for “Florida Hometown Heroes Program,” “Florida down payment assistance,” or “How do I buy a house with little money down?” you’re not alone. The Florida Hometown Heroes Program is officially back with new funding, updated guidelines, and important changes that could affect whether you qualify. As a Mortgage Loan Advisor who […]
If you were hoping to use the Florida Hometown Heroes down payment assistance program, you may have heard the news. The funds have officially been depleted. That does not mean all opportunities are gone. Every week, loans that were previously approved may fall out of the program because buyers cancel, change financing, or their transaction […]
What Buyers and Sellers Need to Know Now The condo market is about to see some of the biggest lending guideline changes in years. Fannie Mae and Freddie Mac have announced several updates that will impact how condos are financed and approved. These changes will roll out in stages beginning in 2026 and continuing into […]
A Guide for Self Employed Buyers If you are self-employed, you already know the challenge. You work hard. Your business produces income. Your bank account shows it. Yet when it comes time to qualify for a mortgage, your tax returns tell a different story. Why? Because good accountants do their job well. They reduce your […]
If you are a veteran, active-duty service member, or surviving spouse using a VA home loan, there is an important update that could put money back in your pocket. Starting this year, the VA funding fee may be tax deductible when you purchase a home using a VA guaranteed mortgage. The VA funding fee is […]
Cheryl Euart, a seasoned mortgage professional with over 21 years of experience, has become a trusted name in the South Florida real estate and lending community. Raised in South Florida, Cheryl has built her career by mastering every facet of the mortgage process, from underwriting and processing to supporting loan officers and realtors with residential home loans. As a dual-licensed mortgage expert in both Florida and Georgia, she leads the East Coast team for Community Lending, helping clients secure the best financing options available.
A strong advocate for our nation’s veterans and first responders, Cheryl is passionate about giving back to the heroes who have sacrificed so much to protect our communities. As the granddaughter of a three-time World War II veteran and daughter of a Navy veteran, supporting these individuals is more than just a mission—it’s a personal commitment. Cheryl proudly serves as a preferred lender for the South Florida VA Armory and the State of Florida Fraternal Order of Police.
Cheryl is an active member of the Broward, Palm Beach, and St. Lucie Realtor Associations, and volunteers on the Young Professionals Network (YPN) Committee as well as the Community Outreach Community with numerous non-profit organizations across South Florida. Her expertise spans Conventional, FHA and VA Loans, Investor Cash Flow Loans, Bank Statement Loans, 1099 Loans, and Foreign National Loans—making her an ideal partner for homebuyers and Homeowners with unique or complex financing needs.
Known for her results-driven approach and unwavering dedication, Cheryl’s mission is to find the perfect home loan solution for every homebuyer, no matter the scenario. Whether you’re a first-time homebuyer or looking to refinance, Cheryl is here to guide you through the process with expertise, compassion, and a commitment to your success.
Cheryl Baldwin
Sales Manager
NMLS ID# 1668094
I am a repeat client that is satisfy with the hard work that she provide and the great education. I will do that over and over again. She will do everything and all things to help you get the lower rate and the best rate to get you approved for your dream home. She the best and a very great person to work with and provide all your needs and goal on your first time home buyer, or second home, keep up the good work that you do everyday.
Cheryl was very professional and kept us informed weekly. I love a smooth transaction. Thank you!
Cheryl first and foremost thank you for your great services in purchasing my first home. Thank you for always keeping an open line and keeping me on task with my documents. I couldn’t have a better loan officer. I appreciate you, may God continue to bless your business. From the Gaillard family
Rapid communication, effective problem solving and making the process as smooth as possible for us!
Cheryl made it great, she is patient kind and efficient she just makes the whole process seemless
What made my experience great with the lender and her team was their exceptional communication and personalized approach. They took the time to thoroughly explain every step of the process, answered all my questions with patience, and ensured I felt confident throughout. Their professionalism and genuine interest in helping me achieve my goal of buying a home made the entire experience smooth
“I have only good things to say, service was very good and professional. I will refer this service to everyone I know. Keep up the good work. In this economy great and professional service is hard to find.”
If all the parties to this transaction, Cheryl was the only one who delivered on all her commitments on time. Well done.
It was an awesome and incredible service to my clients. I would refer Cheryl with my eyes close. I push hard to make things happen for my clients and I was so happy to see that she was the same. Extremely hardworking and extremely pleasant!I would sure work with in the future as soon as I find me some buyers. It’s good to find awesome people with great worth ethic and my buyers loved her. I really want to thank her for making Pierre family home owners before the new year. Cheryl did that!!!
Financing a home is one of the biggest commitments you will ever make – let us help guide you throughout the entire loan process from application to closing and beyond. I am dedicated to finding the right loan (with great rates), terms, and costs to meet your specific needs!
Producing Sales Manager NMLS 1668094
Community Lending
8191 College Parkway, suite 203
Fort Myers, FL 33919
Branch NMLS 2385908 | Lower, LLC NMLS 1124061
