Home Loan for an Adult with Disabilities

Getting a mortgage loan with a disability is easier than you think and they offer some of the lowest interest rates available. Special mortgages exist for people with disabilities, and for parents or legal guardians buying a home for a disabled child. In addition, there are mortgage programs for able-bodied people who live with qualified disabled residents. For instance, a caretaker who shares a home with his disabled sibling might get a special mortgage.

Buying a Home for an Adult with Disabilities

This loan program 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.

Loan Program Requirements for Disabled Persons & The Parents or Legal Guardians.

  • It must be the disabled person’s principal residence.
  • The property will be considered to be the parents or legal guardian’s primary residence even though they will not be occupying the property.
  • Purchase or rate and term refinance transactions allowed.
  • The disabled child is not required to be on the title or on the mortgage.
  • Tax returns are required from the parents or legal guardians to show the disabled adult child as a dependent or their tax returns.
  • 5% Down Payment required.
  • 620+ Credit Score required.
  • 6% Seller Credit towards buyers closing costs allowed.

Comparing Current Mortgage Rates

Finding the lowest Florida mortgage rates is very important, that’s why we’ve already searched them for you, getting the lowest rate possible could save you hundreds of dollars a year and thousands of dollars over the life of your loan. Yes, having us find you the best mortgage rates is a big deal.

Current Mortgage Rates

When you “CLICK HERE” you’ll instantly see today’s lowest Florida mortgage rates. If you see an interest rate you like, you can click to head straight to get your custom rate quote.

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Expert advice at your fingertips

Our home loan experts are available 7 days a week to answer all your home loan questions. We don’t keep bankers hours…. we understand that you have busy schedules, that’s why we’re available nights and weekends.

Eddie Hoskins Founder & CEO

“My mission is to give our clients their most enjoyable home buying experience, I’m focused on making sure there process is simple.”

Why should you choose us for your home loan?

We work for you & not the bank, we offer wholesale mortgage rates which are lower than retail rates not to mention, we offer a wide variety of loan options so your not stuck with one set of restrictive underwriting guidelines.

Credit scores a little low?

We have a credit score analyzing tool that can provide us with options to improve your credit scores quickly through a rapid credit rescore that usually takes 48 hours.

“We Think Outside The Box”

Our “Outside The Box Thinking”  gets home loans approved and closed every day! From one-year business tax returns loans to 55% debt to income ratio approvals, we close them all.

We’ve streamlined the mortgage process, close in 30 days or less.

From application to closing, all from the palm of your hand.

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