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Conventional Mortgage Loans In Florida!

  • 1% down payment on Single Family Home Mortgage Loans.
  • 1% down payment Owner Occupied Condo Mortgage Loans
  • 10% down payment on Second Home Condo Mortgage Loans.
  • 20% down payment on Investment  Condo Mortgage Loans.
  •  We qualify Self Employed borrowers 1-year tax returns when they have been Self Employed for 5 years or more.

People Choose US for Florida Mortgage Loans over the Competition Because!
  • We follow Fannie Mae underwriting guidelines and don’t add additional loan requirements like many banks do!
  • We offer same day free pre-qualification.
  • 24-hour underwriting.
  • Fast loan closings in as little as 20 to 30 days. 

We know the Mortgage Business and Can Finance Easy, Complex and Tough Deals. We do this by utilizing our 50 years of combined experience and outside the box thinking to get buyers pre-approved for the maximum loan amount possible while keeping their down payment and closing costs as low as possible. 

          

So how can we get buyers approved for higher loan amounts than others?

  • For Self-employed borrowers many times we can use just the most year recent tax returns when the prior year has a lower income.
  • Vehicle expense deductions, the IRS uses 55 cents per mile as the expense but we only need to count 24 cents per mile for income-qualifying purposes, which increases the income.
  • I use the gross income of W-2 employees, which means that if a buyer has pre-tax deductions like retirement account contributions and health care deductions we add these amounts back into their income even though it's not listed as income on their W-2's.

These are just a few examples of what I do to get clients loans approved for a higher loan amount than most other lenders. Please call me today and let me help you with your mortgage needs.

Have you Been Turned Down by your Bank or Lender?
Not to worry....... we close loans that other have denied all the time, we know the Mortgage Business and can Close Easy, Complex and Tough Deals. We do this by utilizing our years of experience and "Outside The Box Thinking" to get buyers pre-approved for the maximum loan amount possible while keeping their down payment and closing costs as low as possible. 

A “conventional mortgage” simply refers to any mortgage loan that is not insured or guaranteed by the federal government. Conventional mortgage loans can be both fixed mortgages or adjustable-rate mortgages.

These types of loans may be conforming or non-conforming, with the former meeting the standards set forth by government-sponsored enterprises Fannie Mae and Freddie Mac.

Be careful not to confuse conventional with conforming, as the two terms are very different. However, neither are considered government loans, despite the fact that Fannie and Freddie are now under government control.

One major factor that determines whether a mortgage is conforming or not is the loan amount – loans over the conforming loan limit are considered jumbo mortgages and will come with a higher mortgage rate as a result. Still, both types of loans are considered conventional.

These days, conventional mortgages (whether conforming or not) typically have higher down payment and credit score requirements than FHA and VA loans government loans, and if the LTV exceeds 80 percent on a conventional loan, private mortgage insurance is required by the mortgage lender.

Freddie Mac launched Home Possible Advantage, a conventional mortgage with a 3 percent down-payment requirement geared to low- and moderate-income borrowers. It's a conforming conventional mortgage with a maximum loan-to-value ratio of 97 percent. To qualify, first-time home buyers are required to participate in a borrower education program.

With Fannie Mae's 3 percent down-payment offering, borrowers must still meet standard eligibility requirements, including underwriting, income documentation, and risk management standards. Any buyer can take advantage of Fannie's loans as long as at least one co-borrower is a first-time buyer. The loans will require private mortgage insurance.

We offer loans for the entire state of Florida and all of the following cities;
Monroe County Florida Cities; Big Pine Key, Islamorada, Key Colony Beach, Key Largo, Key West, Long Key, Marathon, Marathon Shores, Sugarloaf Shores, Summerland Key, and Tavernier
Collier County Florida Cities; Marco Island, Naples Golden Gate,
Lee County Florida Cities: Alva, Boca Grande, Bonita Springs, Buckingham, Captiva, Cape Coral, Fort Myers, Fort Myers Beach, Lehigh Acres, Sanibel and Jacksonville, Tampa, Saint Petersburg, Hialeah, Orlando, Fort Lauderdale, Tallahassee, Hollywood, Pembroke Pines, Miami, Palm Beach, West Palm Beach, Boca Raton, Miramar, Sarasota, Gainesville, Bradenton

Got A Question?

Thanks and we look forward to working with you on your mortgage needs!

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