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MIAMI FLORIDA CONDO LENDERS

  • MIAMI FL, AVENTURA FL , Miami Beach, Bad Credit Miami Mortgage ,Self Employed No Tax Return Miami FL Mortgage

    Florida Warrantable Non Warrantable Condo Lenders

    MIAMI FLORIDA CONDO, CONDOTEL AND NON-WARRANTABLE CONDO LENDERS

    • • 96.5% LTV on Owner Occupied Miami Florida Condos=  3.5% Down payment!
    • • 95% LTV on Miami Florida Owner Occupied Condos=  5% Down payment!
    • • 90% LTV on Second Miami Florida Home Condos= 10% Down payment!
    • • 80% LTV on Second Miami Florida Home Condos= 20% Down payment
    • • 80% LTV on Investment Miami Florida Condos= 20% Down payment
    • • 80% Non warrantable Miami Florida Condo loans - Do not have to be FNMA Approved!
    • • 80% MIAMI FLORIDA CONDOTEL MORTGAGE LENDERS

    Florida Co Op Mortgage – Florida Co Op Refinance – Co Op Florida Purchase or Refinance -

    MIAMI FLORIDA COOP MORTGAGE LENDERS

     

    A Miami Florida cooperative project (co-op) is a multi-unit apartment/condo building where each owner has an interest in the building. In a Miami Florida co-op, a coop owner does not own the individual unit, but they own a share of the building stock certificates equal to other owners enabling the coop owner to occupy an unit. .

    MIAMI FLORIDA CO-OP MORTGAGE LENDERS 
    You can buy a Miami Florida condo, but you will never own your Miami Florida coop. It’s important for Miami Florida coop buyers to know the difference between a condo and a Coop before you make a Miami Florida coop purchase. You can find tons of Miami Florida condos but coops are less common. Either way, you need to know the difference before you buy a Miami Florida coop. The biggest difference determines the property taxes you pay, and the type of loan you will get. And, If you get a home loan on a Miami Florida coop you will not be a property owner and the lender does not place a mortgage lien on your coop. You can not buy a coop, instead become a shareholder in the Miami Florida corporation that owns the building. This means you cannot get a mortgage lien against your coop. Instead, you must obtain a Miami Florida coop home loan. In addition, you must be approved by the coop board before you can become an investor in the corporation that owns the Miami Florida coop building. And since you don’t own anything other than co op shares, you are not building any equity. You’ll still have to pay your share of the property taxes as a percentage of the property tax assessment.

    MIAMI FLORIDA CO-OP MINIMUM & MAX LOAN AMOUNTS
    • $100,000 minimum loan amount. Exceptions considered on a case-by-case.
    • Co-oP Loan amount exceptions over $4,000,000 available.

    MIAMI FLORIDA CO-OP MORTGAGE LENDERS CREDIT REQUIREMENTS
    • 620 middle score required with some exceptions allowed for lack of credit or unestablished credit.
    • For Miami Florida co-op mortgage applicants and co-mortgagers, the lowest mid-score is used for pricing and qualification.
    • Meeting the minimum credit score requirement does not automatically constitute a credit approval. A pattern of
    adverse credit or overextended credit may disqualify co-op mortgage applicant from financing, even if the minimum credit score is met.
    • Credit report is used for Pre-Approval and co-op mortgage lenders will also pull credit before issuing a conditional
    approval. Mid-score from co-op mortgage lenders credit pull is used for pricing and qualification.
    No Credit or Limited Credit
    • No credit or limited credit profiles are allowed on a case-by-case basis for U.S. citizens.
    • No U.S. credit or credit score is required for the Work Visa/Expatriate/Immigrant Program or Foreign National Program
    MIAMI FLORIDA CO-OP MORTGAGE LENDERS OPTIONS INCLUDE:

    • Primary Miami Florida Co-op Mortgage Lenders
    • Second Home Miami Florida Co-op Mortgage Lenders
    • Investments Miami Florida Co-op Mortgage Lenders
    • Cash Out Miami Florida Co-op Refinancing
    • Second Miami Florida Co-op Home Financing
    • Jumbo Miami Florida Co-op Loans
    • Low Miami Florida Co-op Closing Costs
    • Up to 80 Percent Miami Florida Co-op Mortgage Loans

    MIAMI FLORIDA CO-OP MORTGAGE MAXIMUM DEBT TO INCOME
    Maximum Miami Florida CO-op Mortgage Lenders Debt To Income Ratio 
    • 43% maximum back-end ratio.

    ELIGIBLE MIAMI FLORIDA CO-OP PROPERTY TYPES & OCCUPANCY

    Miami Florida Co-op Occupancy Permitted
    • Primary Miami Florida Co-op Residence
    • Second Miami Florida Co-op Home (minimal rental income allowed)
    • Investment Miami Florida Co-op Property (non-owner Miami Florida Co-op occupied) permitted at maximum Miami Florida Co-op loan of 60% LTV
    ELIGIBLE MIAMI FLORIDA CO-OP MORTGAGE REQUIREMENTS
    • Minimum Down Payment 20% For Miami Florida Co-op Mortgage Lenders
    • Title Insurance for Miami Florida Co-ops title policy issued through a title company or closing attorney must be issued on Miami Florida Co-op certificate
    • Leaseholds Miami Florida Co-op allowed on a case-by-case basis
    BAD CREDIT MIAMI FLORIDA CO-OP MORTGAGE LENDERS CREDIT REQUIREMENTS
    • Late payments on any mortgage, installment or revolving account of 2×30, 1×60 or more will typically disqualify a
    borrower from financing. Exceptions will be reviewed on a case-by-case basis at a lower LTV.
    • A pattern of adverse credit or overextended credit may disqualify borrower from financing, even if minimum credit score
    is met. Borrowers with 3x monthly income amount in unsecured consumer debt are generally disqualified.
    MIAMI FLORIDA CO-OP MORTGAGE LENDERS REQUIREMENTS AFTER FORECLOSURE, BANKRUPTCY, SHORT SALE
    • (4)Four-year seasoning from BK discharge date or sale of property
    • Maximum 60% LTV or 40% down payment
    • No derogatory credit allowed since the bad credit event
    • Strong extenuating circumstance and signed letter of explanation from co-op mortgage applicant detailing event required.
    NOT ALLOWABLE FOR MIAMI FLORIDA CO-OP MORTGAGE LENDERS
    – Structural Miami Florida Co-op deficiencies and certain pending litigation (please contact your AE if litigation is not related to a structural issue)
    – Incomplete Miami Florida Co-op construction of the subject phase
    APPROVED OR ALLOWED MIAMI FLORIDA CO-OP MORTGAGE LENDERS CASE BY CASE: 
    – Low Miami Florida Co-op HOA budget reserves
    – HOA Miami Florida Co-op delinquencies exceeding 15%
    •  Miami Florida Co-op mortgage lenders  Questionnaire must be 100% complete for Approval Commitment. No blanks or questions answered “n/a” or “unknown,” and the Miami Florida Co-op questionnaire must pass underwriter review.
    • Miami Florida Co-ops mortgage lenders price Miami Florida Co-ops the same as Non-Warrantable Condos, regardless of loan size or Miami Florida Co-op questionnaire findings.
    • Miami Florida Co-op must pust have a full kitchen and at least one separate bedroom. Minimum Miami Florida Co-op size 500 square feet generally required. Efficiency Miami Florida Co-ops or studio units are not permitted.
    • Coinsurance Miami Florida Co-op is considered case-by-case if no agreed amount endorsement is available.

    SELF EMPLOYED MIAMI FLORIDA CO-OP MORTGAGE LENDERS
    Self-Employed co-op mortgage Income calculations
    • Borrower should be self-employed in the U.S. for a minimum of 2 years (max 80% LTV).
    • 2-years business & personal tax returns required, plus year-to-date Profit & Loss statement.
    • Business tax returns required for all businesses in which the borrower has 25% ownership or more. On occasion
    business tax returns are needed if the borrower is has less than 25% ownership.
    • Fannie Mae cash flow analysis form can be used.
    • NOL Carryover Loss: Treated case-by-case when truly a one-time occurrence (i.e. real estate loss, lawsuit settlement or some other form of a truly one-time occurrence). Detailed CPA letter addressing the one-time occurrence is required.
    • Less than two years self-employment is considered on a case-by-case basis with a reduced LTV.
    REQUIRED BY MIAMI FLORIDA CO-OP MORTGAGE LENDERS
    • 2-months bank statements for monthly asset accounts, and most recent statement for quarterly asset accounts
    (VOD not permitted).
    • 6 months PITI for all Miami Florida co-op properties owned including subject.
    • At least 3 months of the subject property’s reserves must be liquid non-retirement.
    MIAMI FLORIDA CO-OP MORTGAGE LENDERS CASE BY CASE MORTGAGE APPROVALS
    • Miami Florida Co-op Current reserve balance meets or exceeds 2 months of the subject property’s Miami Florida Co-op HOA dues in reserves multiplied by all Miami Florida Co-op units in the Miami Florida Co-op project or 10% or more reserve allocation designated in the most recent Miami Florida Co-op budget.
    SECOND HOME MIAMI FLORIDA CO-OP MORTGAGE LENDERS
    • Miami Florida Co-op Mortgage Lenders will typically define a property as a second Miami Florida Co-op home if it is (1) located in a vacation or resort area 30 or more miles from the primary Miami Florida Co-op residence or (2) used a Miami Florida Co-op college housing for enrolled dependent within 5 miles of campus)
    • Short-term Miami Florida Co-op rental income is allowed on second Miami Florida Co-op homes and generally does not constitute a Miami Florida Co-op investment property designation. Miami Florida Co-op Rental income cannot be used to qualify. An evaluation of the 1040 Schedule E is required.
    MIAMI FLORIDA CO-OP MORTGAGE FOR INVESTMENT PROPERTY 
    • Property titled in LLC allowed 
    • Maximum Miami Florida Co-op 60% LTV for investor Miami Florida Co-op mortgage lenders.
    • Gross rental income is calculated by using a 12 month average of the net Schedule E income (Line 21) plus depreciation, mortgage interest paid to banks, taxes and insurance, and Miami Florida Co-op HOA dues.
    • Rental income not appearing on Schedule E may be considered case-by-case with 3 months canceled checks and a
    current lease agreement. Use 75% of gross rent as gross rental income.
    • Immediate Miami Florida Co-op rental income on the purchase of an investment property is allowed using 75% of the monthly rent schedule as documented by Form 1007 or 1025.
    • Cash-out is allowed up to $3,000,000 with no seasoning required.
    WHAT IS A MIAMI FLORIDA CO-OP MORTGAGE LENDERS AND HOW DO I GET A MIAMI FLORIDA MORTGAGE?
    A Miami Florida Co-op or cooperative apartment is an individual living unit within a Miami Florida Co-op building or development where a buyer purchases shares (equal to the value of the unit) in a Miami Florida Co-op corporation that holds title to a building   Coops are predominantly located.  Normally a Miami Florida Co-op sponsor will buy the building (takes out the underlying Miami Florida Co-op mortgage) and then will sell off the shares.  Therefore, when buying a coop, you are actually buying Miami Florida Co-op shares in a corporation, not buying real property.
    HOW TO MIAMI FLORIDA CO-OP MORTGAGE LENDERS BUILDINGS GET PRE QUALIFIED BY MIAMI FLORIDA MORTGAGE LENDERS?
    To start with Miami Florida Co-op lender will look at the following factors to see if a particular Miami Florida Co-op building corresponds with their guidelines:  the Miami Florida Co-op property’s resale value, investor concentration, and Miami Florida Co-op owner occupancy.  Based on the previous example, if there are 20 units, five sponsor rentals and 15 sold units (with 12 owner-occupied units and 3 units being rented by the Miami Florida Co-op owners), the following ratios and guideline percentages result:
    HOW IS A MIAMI FLORIDA MORTGAGE LENDERS CO OP DIFFERENT FROM A HOUSE OR CONDO?
    When you get a mortgage to purchase a  house or condo you get the deed. But not with a Miami Florida Co-op, individual units do not have individual deeds. A Miami Florida Co-op mortgage is actually a “share-loan” or a loan that purchases a share within in the Miami Florida Co-op. The difference makes securing a loan for a Miami Florida Co-op more complicated them getting a traditional mortgage and fewer mortgage lenders offer share loans.
    MIAMI FLORIDA COOP MORTGAGE LENDERS BOARDS AND APPROVAL RULES
    To buy into a Miami Florida Co-op, you must be approved by the Miami Florida Co-op board. The approval process is often extensive and may require interviews and character references, in addition to your employment, financial, and credit history. Miami Florida Co-op boards can refuse a prospective buyer for any reason, so long as it doesn’t run afoul of anti-discrimination policies. What you can do WITH your Miami Florida Co-op unit. As a Miami Florida Co-op shareholder, you don’t have the right of alienation where basically, you can’t sell your Miami Florida Co-op share (or rent your Miami Florida Co-op unit) without the permission of the Miami Florida Co-op board. Some Miami Florida Co-op associations have the right of first refusal, meaning they have the option to buy the property before you offer your Miami Florida Co-op to outside buyers. Miami Florida Co-op boards, though, can simply deny a sale without matching the sale price.

    HOW MIAMI FLORIDA COOP MORTGAGE LENDERS OWNERSHIP DIFFERS FROM CONDO OWNERSHIP
    When you purchase a condominium you are purchasing a specific unit the surface and the interior walls of the unit in the space the condo contains. With a Co-op, you are purchasing a share in a corporation, which then entitles you to a unit. This share is considered personal property rather than real estate. 

    MIAMI FLORIDA CO-OP MORTGAGE LENDERS - MIAMI FLORIDA CO-OP HOME LOANS MORTGAGE LENDERS - 5% DOWN - MIAMI FLORIDA CO-OP MORTGAGE LENDERS

    MIAMI FLORIDA COOP MORTGAGE LENDERS - APPROVAL PROCESS AND KEY REQUIREMENTS

    All Cooperative (Co-op) Projects must be submitted to and approved by Miami Florida coop mortgage lenders Cooperative Project Approval Group (CPAG). Outlined below are instructions:
    1. Validate an existing project review status. AND/OR
    2. Initiate a Co-op Project review with Miami Florida coop mortgage lenders.

    Miami Florida Cooperative Home Loan Project Approval Process

    All Miami Florida Cooperative (Co-op) Projects must be submitted to and approved by Miami Florida coop mortgage lenders.

    Project Approval Group (CPAG). Outlined below are instructions:

    1. Validate an existing Miami Florida coop project review status. AND/OR
    2. Initiate a Miami Florida Co-op Project review with Miami Florida coop mortgage lenders.

    Validate a Miami Florida Coop Project’s Status (Step 1)

    1. • Access the Miami Florida co-op database on the dashboard Resource Center.
    • Search the Miami Florida Coop project using name, address and or location.
    • Verify the status and take appropriate action.
    1. If project has been approved and the expiration dates are within the time frame for the closing and funding of the Miami Florida coop loan, complete the Cooperative (Co-Op Project Approval Request Form and loan should be submitted as per Miami Florida coop mortgage lenders procedure and policy guidelines.
    2. If the Miami Florida coop project has not been reviewed and/or cannot be located in the database, a project review must be initiated. Proceed to step 2 detailed below.
    3. If the Miami Florida coop project has been declined, a project review may be initiated to determine if the Miami Florida coop project qualifications have changed and Miami Florida coop mortgage lenders is able to approve as of today. Proceed to step 2 below.
    • Indicate declined status on the Miami Florida Co-op Project Review Request and supply any additional documentation or details as needed. IF PROJECT STATUS IS DECLINED DO NOT REGISTER OR SUBMIT LOAN UNTIL PROJECT IS REVIEWED.
    1. If the Miami Florida coop project has expired a project review may be initiated to update and extend the approved through date.
    • Indicate expired status on the Miami Florida Co-op Project Review Request and supply any additional and updated documentation with the request.

    Initiate a Miami Florida coop mortgage lenders Project Review (Step 2)

    1. • Complete the Miami Florida Cooperative (Co-Op) Project Approval Request Form (select current status of Co-op Project Review option on the form).
    • Refer to Miami Florida project eligibility guideline for required co-op documentation. The form is available on Miami Florida coop mortgage lenders website under the resource center.
    1. • Submit the completed form to the CPAG. See submission details below.
    • Project approval request can be submitted prior to loan registration and or loan approval.
    • CPAG team will work directly with the Miami Florida co-op board contact or managing agent to request all the required documentation and complete the review. If the attempts are unsuccessful, the board may request additional support to obtain the information or the review will be canceled.

    Key Document Requirements for Cooperative Project Review

    Details on the documents needed for a project review and general guideline requirements are listed below. Please reference the Miami Florida coop mortgage lenders Project Standards for complete requirement details. Miami Florida coop must provide the most Recent 2 Years Audited Financial Statements

    1. Finalized/board
    • Financials must be finalized/board approved and include all pages including notes.

    Note: Draft financials are not acceptable for project approval. Approved financials

    1. Compiled
    • Compiled Financial Statements are acceptable on Miami Florida co-op projects containing 50

    units or less.

    Note: Miami Florida Co-op Project Approval Team (CPAT) Underwriters reserve the right to require federal corporate tax returns (form 1120 or 1120C are acceptable) to support the compiled financial statements if they deem them necessary to adequately evaluate the project. Projects containing greater than 50 units must have audited financial statements. Financial           Statements <50 units   

    1. Condop Requirements - The term condop in real estate refers to a mixed-used Miami Florida condominium building where at least one of the units is owned by a cooperative corporation and sub-divided into many Miami Florida "co-op" apartments.
    • Co-ops which are part of Condop projects require 2 years financial statements for both the co-op corporation and the condominium corporation. If the financial statements of the co-op corporation contain a detailed analysis of the financial operations of the condominium component of the development, that is acceptable.
    • Condops which cannot provide condominium financial statements are not approvable.

     

    Note: Projects must be deemed financially sound and hold adequate reserves. Miami Florida coop mortgage lenders defines “adequate” reserves as being 10% of the annual maintenance fees. Reserve funds would include all cash accounts and investments which could be liquidated  (that is, stocks, bonds, CDs, etc.). Current asset to current liability ratio should be 1:1 and projects should show an annual positive cash flow. Available line(s) of credit held by the corporation will be considered as a compensating factor for reserves falling below the 10% benchmark, but will not be used as a sole source of reserves.

     

    Master Certificate of Insurance

    1. Liability Insurance
    • Minimum $1,000,000 per single occurrence of bodily injury and property damage is required (minimum $2,000,000 if the project has an elevator).
    1. Property/Hazard Insurance
    • Must cover 100% of the insurable value of the project improvements with

    losses paid out on a replacement cost basis.

    • Must cover all buildings and units.
    1. Boiler/Mechanical Insurance
    • Must be equal to, at minimum the lesser of 100% insurable replacement cost

    of the building housing the property or $2,000,000.

    1. Fidelity Bond Insurance
    • Required if the co-op project has more than 20 units.
    • The amount of coverage must be equal to the greater of 3 months of assessments/maintenance fees of all units in the project OR the sum of all cash and reserve monies that are in custody of the co-op corporation or its management.
    • If the co-op project is professionally managed and is more than 20 units, proof of Managing Agent Bond is also required either thru a Rider to the co-ops policy or a separate policy held by the co-op corporation covering the Managing Agent.
    1. Business Income

    Insurance (Rent Loss/ Business Continuation)    

    • Required if the co-op corporation is < 70% Owner Occupied.
    1. Flood Insurance
    • Required if any party of the co-op project’s improvements are in a Special

    Flood Hazard Area (SFHA).

    1. Inflation Guard Endorsement (When it can be obtained) •        A provision that gradually and continuously increases the limit of insurance by specified percentage over a specified time period. Miami Florida coop mortgage lenders Home Mortgage Cooperative Certification Questionnaire
    2. Generic Questionnaires Generic questionnaires are generally not acceptable, but generic questionnaires may be accepted on a case by case basis if approved by the CPAG.
    3. Questionnaire Completion The questionnaire must be completed in it’s entirely and signed/dated by the cooperatives designated agent or Board of Directors. Incomplete or unsigned/dated questionnaires are not acceptable and will not be submitted to underwriting for review.
    4. Sponsor Ownership Co-op projects in which the Sponsor or “Holder of Unsold Shares” retains R etention >10% -Offering Plan Requirement           ownership of > 10% of the units require a copy of the most recent Amendment to the Offering Plan (Sponsor Disclosure Amendment) filed with the NY Attorney General (as noted in Miami Florida coop mortgage lenders’s Cooperative (Co-Op) Certification/Questionnaire).

    Note: Sponsorship question should be completed for any project which > 10%

    ownership by the Sponsor or “Holder of Unsold Shares.”

    1. Unit Occupancy Unit occupancy breakdown must be complete and itemized breakdown add

                Breakdown        up to the total number of units in the cooperative. Management will need to

    correct figures if there are units which are not captured. Note: Sublet units are considered Investor /non-owner occupied owned units.

    1. Subject to a Ground

    Lease   If a project is subject to a Ground Lease a copy of the Ground Lease and all amendments is required to get submitted along with the project review for review and approval by the Miami Florida coop mortgage lenders (CPAG will submit for review as part of the project review). Projects subject to unacceptable Ground Leases are not eligible. Leasehold co-ops are only acceptable in approved markets as indicated in published guidelines.

    1. Projects with Non-

    Residential Space         Projects with non-residential space (including Condops) must include a square footage itemization.

    • Garage square footage must be included as in the non-residential calculation if the garage is leased/rented to a third party or if the income received is from non-shareholders.
    • Maximum of 25% of the total building square footage can be used for non- residential purposes.
    1. Projects Subject to Pending Litigation Generally, co-op projects subject to pending litigation are ineligible property types. If a project has pending litigation co-op management should fully explain the nature of the litigation so CPAT Underwriters can determine the severity of the litigation and the risk to the corporation and shareholders and determine if the litigation falls within acceptable parameters for approval.
    2. Projects Subject to Transfer Fees or “flip tax” If a project is subject to transfer fees or “flip tax,” management should provide full details of the requirements so the CPAT Underwriters can ensure the requirements are acceptable. The maximum allowed fee is 5% of the sales price.
    3. No Acceptance/Use ofAztech Recognition Agreement Without Modification or Rider If a co-op corporation does not accept/use the standard Aztech Recognition Agreement without modification or rider, the corporation must provide a complete copy of their recognition agreement (with Rider if applicable) for review. Non-standard Recognition Agreements are subject to Miami Florida coop mortgage lenders legal review and approval.

     

    MIAMI FL CONDO MORTGAGE LENDERS  - MIAMI SELF EMPLOYED MORTGAGE LENDERS - MIAMI FL STATED INCOME MORTGAGE LENDERS

    3,5,7,15, 20 and 30 year fixed rate Miami Florida condo loan terms available!

    all programs subject to change without notice.

     

    www.Florida-Mortgage-Lenders.com

    MIAMI FLORIDA CONDO MORTGAGE LENDERS

    No Tax Return Self Employed Mortgage Lenders

    FLORIDA CONDOTELS + NON-WARRANTABLE CONDO LENDERS

    Florida condo mortgage applicants will find that a mortgage on a Miami Florida condo is more complex than purchasing a Miami Florida single family or town-home or villa. There are additional requirements for Miami Florida condo associations that do not exist in other typical Florida mortgage transactions. The Condo must be approved by the Florida mortgage lender via condo association questionnaire before you can get financing on a Florida condo.

    MANY MIAMI FLORIDA LENDERS WILL NOT MORTGAGE  CONDOMINUMS

    Having trouble getting a Florida condo mortgagebecause the condo you are interested in is being denied by your Florida mortgage lender? Florida mortgage lenders.com offers condominium mortgage loans on many Florida condos projects that are not Fannie Mae approved and which other Florida mortgage lenders consider not financeable. Conditions include the Florida mortgage applicant must:

    1. The Miami Florida condo purchase must be a primary residence = 25% down payment for a purchase or 25% equity for a refinance.

    2. 2nd Miami Florida condo home loan transactions require a minimum 30% down payment for purchase and 30% equity in the Florida condo for a refinance.

    Our expanded Miami Florida condo mortgage approvals for condos require no condo questionnaire, no review of the association budget and no approval of the project reserves. It may seem counter-intuitive, but no matter how strong you may be as a Florida mortgage applicant, or what the down-payment/Loan-to-Value is; most Florida mortgage lenders will not mortgage Florida condos if they fail even basic criteria of a condo questionnaire. Details of most denials include: pending litigation in the project, low % of owner-occupancy, high % of current condo owners late on their HOA fees are just a few reasons that will kill your Florida condo mortgage. It is very risky to attempt to secure financing with Florida mortgage lenders that require Condominium questionnaire approval. A result of the Florida housing market crash is that most Florida condo projects have some of the aforementioned issues. The safe and easy path to a smooth Florida mortgage process is to work through one of the very limited number of Florida mortgage lenders that do not require Florida condo questionnaire approval.

    Miami Florida condo Mortgage Lenders.com is one of only a very small number of limited Lenders with Access to the Florida mortgage lenders that do not require a Florida condo questionnaire that offer these programs. 

    MIAMI FLORIDA CONDOMINUM MORTGAGE REQUIRMENTS

    Florida Mortgage lenders have requirements for Miami Florida condo financing.

    Mortgaging a Florida condominium comes with a few more requirements than a standard Florida mortgage. Condominiums are mostly part of a condo association and the reputation of that association can affect a Florida mortgage applicants chances of obtaining condo financing. Due to the number of association delinquencies many Florida mortgage lenders have raised their requirements for financing when purchasing Florida condominiums. Large down payments usually between 20-30%, association questionnaire approvals and inspections approved directly by the Florida mortgage lender are some of the requirements that Florida condo buyers must meet before they obtain a loan for a Florida condominium. 

    MIAMI FLORIDA  CONDO ASSOCIATION FEES

    Living in a Florida condominium complex usually requires the unit owners to pay association fees. Most Florida mortgage companies can now refuse financing if 15 percent or more of the residents are 30 days or more behind on their association dues. Delinquency rates in dues worries Florida mortgage lenders because it casts doubt on the association's cash reserves and financial status.

    New Florida condominium units and complexes have a minimum criterion of sold units to meet. Most Florida Mortgage Lenders now want to see at least 49 percent of the units sold or under contract before they will agree to financing.

    MIAMI FLORIDA INSPECTIONS

    o Condominium inspections usally take place before the Florida mortgage applicant apply for condo financing.. However, all Fannie Mae-backed Florida mortgages for condos will have to undergo an inspection by a Fannie Mae representative. This includes the complex as well as an investigation into the association's financial situation. Previously, Florida condominium inspections were carried out but by the individual Florida mortgage lender.

    MIAMI FLORIDA CONDOS REQUIRE LARGER DOWNPAYMENT

    Mortgage insurance (MI) companies are currently not providing private mortgage insurance in Florida due to the large number of defaults. As a result Florida condo mortgage applicants are required to put down a minimum 20 percent down payment.

    QUESTIONS TO ASK THE MIAMI FLORIDA  ASSOCIATION:

    1. Is the Florida condo project Fannie Mae or FHA Approved? If the answer is yes, then you may proceed as long as the Miami Florida condo is not on the Florida mortgage lender’s unbendable list (Yes, this is still possible even if a Florida condo project is Fannie Mae approved). It is important to note that some phases within a Florida condo project may be approved while others may not. This is a common mistake that can blow up many deals.

    2. Am I eligible for a Miami Florida condo Project Review Waiver? (Also called a Limited Review) Primary Florida condo purchases with a 25% down payment/equity. Second Miami Florida condo home transactions with a 30% down payment/equity. Investment Properties are not eligible. Beware of lenders offering “Limited Review” of a condo but requiring a Condo Questionnaire. If a condo questionnaire is required, then it is not a limited review and you risk your loan being denied for factors not related to your individual credit worthiness. Check that your Condo is not on the lender’s list of denied projects. The Government Homeowner Assistance Program = HARP will allow you to refinance up to 125% of your home’s value if your Loan is owned by Fannie Mae or Freddie Mac. There is no project approval for these programs.

    3. Can I get an FHA Loan in a Miami Florida condo that is not FHA Approved? No. Currently FHA and lenders are not allowing spot reviews of condos for FHA Loans. You should check which Condos in the area you are interested in buying are already FHA approved if you are interested in a low down payment FHA loan.

    4. What is the minimum down-payment for a Miami Florida condo Loan? For purchases, typically the minimum down payment is 20%. We encourage that you put more money down so that we can waive the project approval requirements. 25%- Owner Occupied. 30%- Second Home. If the project is FHA approved, you can purchase a primary residence with a 3.5% down-payment. For Refis, if the loan is eligible for HARP- Government Homeowner Assistance Programs- Then it is possible to get a condo home loan for up to 125% of the home’s value.

    MIAMI FL FHA MORTGAGE LENDERS - BAD CREDIT MIAMI FLORIDA MORTGAGE LENDERS

    ALL SITUATIONS WELCOME! MIAMI FLORIDA CONDO LENDERS

    POPULAR MIAMI FLORIDA GOOGLE SEARCH RESULTS:

    Mortgage Lenders CONDOS
         
    Coral Gables Mortgage Lenders
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  • FLORIDA CONDO MORTGAGE LENDERS

    3% MIAMI FLORIDA CONDO LENDERS

    Florida Warrantable Non Warrantable Condo Lenders

    MIAMI FLORIDA CONDO, CONDOTEL AND NON-WARRANTABLE CONDO LENDERS

     

    • 96.5% LTV on Owner Occupied Miami Florida Condos=  3.5% Downpayment!

    • 95% LTV on Miami Florida Owner Occupied Condos=  5% Downpayment!

    • 90% LTV on Second Miami Florida Home Condos= 10% Downpayment!

    • 80% LTV on Second Miami Florida Home Condos= 20% Downpayment

    • 80% LTV on Investment Miami Florida Condos= 20% Downpayment

    • 80% Non warrantable Miami Florida Condo loans - Do not have to be FNMA Approved!

    • 80% MIAMI FLORIDA CONDOTEL MORTGAGE LENDERS

    co op

    3,5,7,15, 20 and 30 year fixed rate Miami Florida condo loan terms available!

    all programs subject to change without notice.

    www.Florida-Mortgage-Lenders.com

    MIAMI FLORIDA CONDO MORTGAGE LENDERS

    FLORIDA CONDOTELS + NON-WARRANTABLE CONDO LENDERS

    Florida condo mortgage applicants will find that a mortgage on a Miami Florida condo is more complex than purchasing a Miami Florida single family or town-home or villa. There are additional requirements for Miami Florida condo associations that do not exist in other typical Florida mortgage transactions. The Condo must be approved by the Florida mortgage lender via condo association questionnaire before you can get financing on a Florida condo.

    MANY MIAMI FLORIDA LENDERS WILL NOT MORTGAGE  CONDOMINUMS

    Having trouble getting a Florida condo mortgage because the condo you are interested in is being denied by your Florida mortgage lender? Florida mortgage lenders.com offers condominium mortgage loans on many Florida condos projects that are not Fannie Mae approved and which other Florida mortgage lenders consider not financeable. Conditions include the Florida mortgage applicant must: 

    1. The Miami Florida condo purchase must be a primary residence = 25% down payment for a purchase or 25% equity for a refinance.

    2. 2nd Miami Florida condo home loan transactions require a minimum 30% down payment for purchase and 30% equity in the Florida condo for a refinance.

    Our expanded Miami Florida condo mortgage approvals for condos require no condo questionnaire, no review of the association budget and no approval of the project reserves. It may seem counter-intuitive, but no matter how strong you may be as a Florida mortgage applicant, or what the down-payment/Loan-to-Value is; most Florida mortgage lenders will not mortgage Florida condos if they fail even basic criteria of a condo questionnaire. Details of most denials include: pending litigation in the project, low % of owner-occupancy, high % of current condo owners late on their HOA fees are just a few reasons that will kill your Florida condo mortgage. It is very risky to attempt to secure financing with Florida mortgage lenders that require Condominium questionnaire approval. A result of the Florida housing market crash is that most Florida condo projects have some of the aforementioned issues. The safe and easy path to a smooth Florida mortgage process is to work through one of the very limited number of Florida mortgage lenders that do not require Florida condo questionnaire approval.

    Miami Florida condo Mortgage Lenders.com is one of only a very small number of limited Lenders with Access to the Florida mortgage lenders that do not require a Florida condo questionnaire that offer these programs. 

    MIAMI FLORIDA CONDOMINUM MORTGAGE REQUIRMENTS

    Florida Mortgage lenders have requirements for Miami Florida condo financing.

    Mortgaging a Florida condominium comes with a few more requirements than a standard Florida mortgage. Condominiums are mostly part of a condo association and the reputation of that association can affect a Florida mortgage applicants chances of obtaining condo financing. Due to the number of association delinquencies many Florida mortgage lenders have raised their requirements for financing when purchasing Florida condominiums. Large down payments usually between 20-30%, association questionnaire approvals and inspections approved directly by the Florida mortgage lender are some of the requirements that Florida condo buyers must meet before they obtain a loan for a Florida condominium. 

    MIAMI FLORIDA  CONDO ASSOCIATION FEES

    Living in a Florida condominium complex usually requires the unit owners to pay association fees. Most Florida mortgage companies can now refuse financing if 15 percent or more of the residents are 30 days or more behind on their association dues. Delinquency rates in dues worries Florida mortgage lenders because it casts doubt on the association's cash reserves and financial status.

    New Florida condominium units and complexes have a minimum criterion of sold units to meet. Most Florida Mortgage Lenders now want to see at least 49 percent of the units sold or under contract before they will agree to financing.

    MIAMI FLORIDA INSPECTIONS

    o Condominium inspections usally take place before the Florida mortgage applicant apply for condo financing.. However, all Fannie Mae-backed Florida mortgages for condos will have to undergo an inspection by a Fannie Mae representative. This includes the complex as well as an investigation into the association's financial situation. Previously, Florida condominium inspections were carried out but by the individual Florida mortgage lender.

    MIAMI FLORIDA CONDOS REQUIRE LARGER DOWNPAYMENT

    Mortgage insurance (MI) companies are currently not providing private mortgage insurance in Florida due to the large number of defaults. As a result Florida condo mortgage applicants are required to put down a minimum 20 percent down payment.

    QUESTIONS TO ASK THE MIAMI FLORIDA  ASSOCIATION:

    1. Is the Florida condo project Fannie Mae or FHA Approved? If the answer is yes, then you may proceed as long as the Miami Florida condo is not on the Florida mortgage lender’s unbendable list (Yes, this is still possible even if a Florida condo project is Fannie Mae approved). It is important to note that some phases within a Florida condo project may be approved while others may not. This is a common mistake that can blow up many deals.

    2. Am I eligible for a Miami Florida condo Project Review Waiver? (Also called a Limited Review) Primary Florida condo purchases with a 25% down payment/equity. Second Miami Florida condo home transactions with a 30% down payment/equity. Investment Properties are not eligible. Beware of lenders offering “Limited Review” of a condo but requiring a Condo Questionnaire. If a condo questionnaire is required, then it is not a limited review and you risk your loan being denied for factors not related to your individual credit worthiness. Check that your Condo is not on the lender’s list of denied projects. The Government Homeowner Assistance Program = HARP will allow you to refinance up to 125% of your home’s value if your Loan is owned by Fannie Mae or Freddie Mac. There is no project approval for these programs.

    3. Can I get an FHA Loan in a Miami Florida condo that is not FHA Approved? No. Currently FHA and lenders are not allowing spot reviews of condos for FHA Loans. You should check which Condos in the area you are interested in buying are already FHA approved if you are interested in a low down payment FHA loan.

    4. What is the minimum down-payment for a Miami Florida condo Loan? For purchases, typically the minimum down payment is 20%. We encourage that you put more money down so that we can waive the project approval requirements. 25%- Owner Occupied. 30%- Second Home. If the project is FHA approved, you can purchase a primary residence with a 3.5% down-payment. For Refis, if the loan is eligible for HARP- Government Homeowner Assistance Programs- Then it is possible to get a condo home loan for up to 125% of the home’s value.

    Florida Condotels Function as Rental Investment Property

    The Florida condotel arrangement provides access to a cleaning service to care for the home. There is also potential price appreciation for the condotel unit should the owner choose to sell.

     

    There can be drawbacks to owning a condotel unit. The costs for maintenance and cleaning services may be high. Charges may be based on the square footage of each unit. The owner of the unit may need to take out special insurance for the property. The pricing for a condotel unit might be based on tourist and vacation activity and not the real estate market. The owner of the unit will typically pay commercial tax rates on the income generated from rent.

     

    Other variables such as occupancy rates could see sharp declines when travelers are not interested in visiting that destination. The owner of the unit might be limited to a maximum number of days they may use the space for themselves. Terms of the condotel agreement might require the unit to be available for rental purposes for the majority of the year. Obtaining financing could be a challenge for potential buyers of condotel units. Many banks might decline to offer loans for such purchases.

     Florida Non-Warrantable Condominiums including Condotels. All Non-Warrantable Condominiums will be reviewed and approved by Florida mortgage lenders Condo Team. Final Risk

    Levels are determined by the Condo Team after a Full Review is performed.

    WE SAY YES TO FLORIDA CONDOTEL AND NON-WARRANTABLE CONDO BUYERS

    Few Florida mortgage lenders offer condotel and non warrantable condo mortgages, but there are some Florida mortgage lenders that do. Interest rates on this type of financing usually run a full percent higher or so than for a comparable conventional Florida mortgage loans. The minimum down payment for condotels and non warrantable condos start at 20 percent.

    Florida condotel and non warrantable mortgage approvals are handled by private Florida mortgage lenders as opposed to those of a Big Florida Banks mortgage loan approval times are usually quick.  It's perfectly reasonable to close on a condotel or non-warrantable condo in less than 30 days.

    FLORIDA NON-WARRANTABLE CONDOS LENDERS INFORMATION

    Florida non-warrantable condo, by definition, is a Florida condominium that does not meet the minimum Fannie Mae and/or Freddie Mac eligibility standards.

    When a Florida condo buildings fail to meet the minimum Fannie and Freddie's standards, it's most likely for one or more of the following reasons :

    The project is more than 10% owned by one entity

    More than 50% of the project units are rentals

    More than 20% of the building square footage is "commercial"

    Florida condo project is filed with the SEC and is sold as an investment opportunity

    Condo project is "new" and grants concessions and/or abatements not listed on the settlement statement

    Too many "unsold units", certain types of pending litigation, and length of time that the Florida condo board has been in control of the building's owners.

    The Homeowner association dues being paid less than 85% current. This means that if more than 15% of a condo building's owners are delinquent to the condo association dues, conforming mortgages are unavailable to everyone that lives there, and everyone attempting to buy there, too.

    FLORIDA NON WARRANTABLE CONDO LENDERS LOOK AT THE BUYER AND THE BUILDING

    These issues along with many other possible components makes the condo unit un warrantable blocking Florida condo owners from attaining a Florida condo mortgage regardless of how qualified they are.

    NON-WARRANTABLE FLORIDA CONDO LENDERS

    If you're under contract for a Florida non-warrantable condo or condotel in Florida we may be able to get you approved!

    Florida condotel and non warrantable condo interest rates aren't as low as what you'll see from Freddie Mac’s and the mix of Florida condotel and non-warrantable Florida condo mortgage products are limited.

    FLORIDA CONDOTEL LENDERS INFORMATION

    A Florida Condotel is exactly what is sounds like it’s a combination of a Florida condo and a hotel. Most often Florida condotel are rented by an onsite management company with Florida condo owners keeping the right to rent their units while owning them.

    Like Florida non-warrantable condos, condotels cannot be financed through Fannie Mae or Freddie Mac and more often than not Florida condotel buyers cannot get financing unless they purchase the unit with all cash.

    Finally, there could be additional restrictions on unit renovation/alteration in a CondoTel as compared to a condo. This varies depending upon a given CondoTel’s by-laws.

    MIAMI FL FHA MORTGAGE LENDERS - BAD CREDIT MIAMI FLORIDA MORTGAGE LENDERS

    ALL SITUATIONS WELCOME! MIAMI FLORIDA CONDO LENDERS

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    Serving every city in Miami Florida

    MIAMI BEACH FL Mortgage Lenders Providing:  New Home Loans, Mortgage Refinance, FHA, VA & Bad Credit Mortgage Lenders 

    Whether you’re a first-time Miami Beach Florida homebuyer or looking to refinance your existing mortgage in Miami Beach, our competitive rates and flexible financing options can help you make the right mortgage decision.

    Our goal is to provide our customers with exceptional service and best Mortgage Rates in Miami Beach Florida while keeping them informed and educated throughout the process. 

    MIAMI FLORIDA CONDO LENDERS

    • 100 % VA Condo Mortgage Loans Down to a 550 fico!

    • 96.5% LTV on FHA Approved Owner Occupied Condos=  3.5% Downpayment!

    • 95% LTV on Owner Occupied Condos=  5% Downpayment!

    • 90% LTV on Second Home Condos= 10% Downpayment!

    • 80% LTV on Second Home Condos= 20% Downpayment

    • 80% LTV on Investment Condos= 20% Downpayment.

    • 75-80% LTV on Florida Non Warrantable Condos + Condotels.

    FHA Condo Loans Down to 580 Fico with 3.5% Down.

    VA Florida Condo loans Down to 550!

    Florida Fannie Mae Approved Condo list for 2015

    In comes the Florida VA mortgage  to the rescue for Condo Buyers and current Florida Condo homeowners. To qualify for a Florida VA Mortgage the Florida condo must be on the VA Approved Condo list, which includes many existing complexes.   You can search for VA Approved Condos yourself, or let us assist you,we are here to help. 

    15, 20 and 30 year fixed rate terms available!

     
     

     

    MIAMI BEACH FLORIDA LOAN PROGRAMS

    MIAMI BEACH FLORIDA FHA MORTGAGE LENDERS:

    1st Time Florida Home Buyers

    Low down payments

    Lower Interest Rates

    Seller paid FHA mortgage closing cost up to 6%

    Easier credit qualifying min 550 Fico!

    MIAMI BEACH FLORIDA VA MORTGAGE LENDERS:

    $0 Down 100% financing Options

    Seller paid closing cost up to 4%

    Low Rates

    Up to $417,000 Loan Value

    No Down Payment Options

    Easier credit qualifying min 550 Fico!

    MIAMI BEACH FLORIDA BAD CREDIT MORTGAGE LENDERS:

    Bad Credit Florida Mortgage Options:

    No Origination Fee Options

    30 Year Fixed

    20 and 15 Year Fixed

    ARM Options

    MIAMI BEACH FLORIDA REFINANCE MORTGAGE LENDERS

    Is it time to refinance?

    Refinance up to 97.75%

    Lower your home loan payment

    Less than perfect credit

    Cash for any reason

     

    SAME DAY MIAMI BEACH FLORIDA MORTGAGE APPROVALS!

     

    SERVING ALL MIAMI BEACH FLORIDA

    www.Florida-Mortgage-Lenders.com

     

    MIAMI BEACH FLORIDA MORTGAGE LENDERS CITY DATA

    Population in 2013: 91,026 (100% urban, 0% rural). Population change since 2000: +3.5%

    Males: 49,062     (53.9%)

    Females: 41,964                (46.1%)

    Median resident age:     41.0 years

    Florida median age:        41.5 years

    Zip codes: 33140, 33141.

    Miami Beach Zip Code Map

    Estimated median household income in 2013: $44,153 (it was $27,322 in 2000)

    Miami Beach:    $44,153

    FL:          $46,036

    Estimated per capita income in 2013: $38,201 (it was $27,853 in 2000)

    Miami Beach city income, earnings, and wages data

    Estimated median house or condo value in 2013: $375,500 (it was $138,700 in 2000)

    Miami Beach:    $375,500

    FL:          $153,300

    Mean prices in 2013: All housing units: $684,417; Detached houses: over $1,000,000; Townhouses or other attached units: $323,698; In 2-unit structures: $317,891; In 3-to-4-unit structures: $155,902; In 5-or-more-unit structures: $492,422

    Median gross rent in 2013: $1,077.

    Recent home sales, real estate maps, and home value estimator for zip codes: 33139, 33140, 33141.

    Miami Beach, FL residents, houses, and apartments details

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PORTFOLIO MORTGAGE

NO MIN FICO SCORE 

NO TAX RETURN PROGRAMS

550 MIN FICO

FHA/VA MORTGAGE

500 MIN FICO

CONVENTIONAL

620 MIN FICO

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