FLORIDA LOAN PROGRAMS, BEST RATES

We know the Mortgage Business and Can Finance 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.

CONVENTIONAL MORTGAGE LOANS
 -  1% down payment for primary residences, 10% down for second homes and 20% down for investment properties.

CONDO MORTGAGE LOANS1% down payment for primary residences, 10% down for second homes and 20% down for investment properties.
 
JUMBO MORTGAGE LOANS - 5% Down Payment Jumbo mortgage loans are loans that are above the maximum conventional loan amount of $453,100 established by Fannie Mae and Freddie Mac. 

PIGGYBACK SECOND MORTGAGES - Theses allow borrowers to avoid (PMI) Mortgage Insurance on a conventional mortgage loan when putting less than 20% down, avoid jumbo mortgage loan strict underwriting and reserve requirements and help get condo mortgages approved with 10% for primary residences and 15% down for second homes.

CONSTRUCTION MORTGAGE LOANS - A construction to permanent mortgage loan combines the features of a construction loan and a traditional long-term 15, 30 years fixed or adjustable rate mortgage loan with a single loan closing prior to the start of construction. 

FHA CONSTRUCTION LOANS- Build your dream home with as little as 3.5% down payment and get a 15 or 30 year fixed rate mortgage with a single loan closing prior to the start of construction. 

VA CONSTRUCTION LOANS- Build your dream home with as little as 0% down payment and get a 15 or 30 year fixed rate mortgage with a single loan closing prior to the start of construction. 

VA JUMBO CONSTRUCTION LOANS- Build your dream home with as little as 25% down payment of the loan amount over $453,100 and get a 15 or 30 year fixed rate mortgage with a single loan closing prior to the start of construction. 

CONVENTIONAL CONSTRUCTION LOANS- 10% Down Payment for loan amounts up to $453,100 and a 30 year fixed rate conversion is available after the construction is completed.

JUMBO CONVENTIONAL CONSTRUCTION LOANS- 20% Down Payment for loan amounts up to 750,000 & 30% Down Payment for loan amounts up to 1.25 Million.

VA MORTGAGE LOANS - Florida VA mortgage financing loans are guaranteed by the Department of Veterans Affairs (VA). These Florida VA mortgage loans were established to provide transition assistance and other benefits to men and women who served or are serving in the Armed Forces of the Nation.

FHA MORTGAGE LOANS - 3.5% down payment, higher debt to income ratios and credit scores as low as 580.

USDA MORTGAGE LOANS -  0% down payment and credit scores as low as 600 and minimal closing costs, borrowers can even finance all of the closing cost into the loan up to the appraised value of the property. 

SECOND HOME & INVESTMENT PROPERTY RENOVATION  LOANS - HomeStyle Renovation & Rehab Mortgage Loans enables you to obtain a purchase mortgage or a refinance mortgage for a primary residence, second home or an investment property so you can turn a home that needs a little work into a home that's absolutely perfect.

FHA 203K RENOVATION & REHAB MORTGAGE LOANS - An FHA 203(k) rehab loan, also referred to as a renovation loan, enables homebuyers and homeowners to finance both the purchase or refinance along with the renovation costs of a home through a single mortgage.

VA RENOVATION & REHAB MORTGAGE LOANS - A VA Renovation Mortgage enables eligible Veterans to either purchase or refinance their current home while including minor renovation or nonstructural repairs into their mortgage. Perfect for foreclosures and short sales homes in need of minor repairs.

JOB RELOCATION & JOB TRANSFER MORTGAGE LOANS
- A lot of people think that you must provide evidence of current income such as W-2 forms and pay-stubs to qualifying for a mortgage. While this is true in many cases, there are several other ways to qualify for a mortgage. In recent months, alternative income methods have made a comeback. One qualifying income program that’s been here all along, but isn’t widely known is the future income mortgage.

ELDERLY PARENTS LOANS - This loan is designed for the children who want to provide housing for their elderly parents If the elderly parents are unable to work or don't have sufficient income to qualify for a mortgage their own.

DISABLED/DISABILITY LOANS - This loan is designed for parents or legal guardians who want to provide housing for their physically handicapped or developmentally disabled adult child - If the child is unable to work or does not have sufficient income to qualify for a mortgage on his or her own.

          

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


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

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