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FLORIDA CONDO/CONDOTEL/CO-OP MORTGAGE LENDERS

Florida CondoTel Mortgage – Florida CondoTel Refinance – CondoTel Florida Purchase or Refinance 

SERVING EVERY CITY IN FLORIDA! including and not limited to: Homestead ::Kendall:: Miami Beach:: South Beach Miami:: Miami Beach FL VA Mortgage Lenders ::Aventura :: Bal Harbor FL :: Coral Gables FL - Miami Beach — Panama City Beach FL –Fort Lauderdale FL –  Palm Beach FL–  Clearwater Beach Fl – 
co op

FLORIDA CONDOTEL UPDATED GUIDELINES!

Here's an UPDATE into our Florida Condotel loan programs:

  • 30 Year Fixed Available!
  • Max LTV 65%
  • Max DTI 50%
  • Loan amounts - $150K - $5M or more
  • Cash out permitted
  • Gift funds permitted
  • Minimum to qualify: 500 sq ft. with full kitchen
  • Second homes allowed; Must be primary or second home only; rental properties are not allowed
  • Min 3 months PITIA reserves

WHAT ARE FLORIDA CONDOTEL'S AND HOW DO THEY WORK?
Florida condotel is like a Condotel  project that is operated as a Florida hotel with a registration desk, cleaning service and more amenities along with rental options. These condotel units are individually owned. The biggest difference is that condotel unit owners also have the option to place their unit in the Florida condo-hotel's rental program where it is rented out and managed by condotel management like any other hotel room.
FLORIDA - CONDO - CONDOTEL - CO-OP - CONDOTEL-MORTGAGE LENDERS 

  • 1 - 4 Unit Residential Properties 
  • Acreage, Hobby Farm & Unique Property 
  • Warrantable Florida Condo Mortgage Lenders
  • Non-Warrantable Florida Condo Mortgage Lenders 
  • Condotel Florida Mortgage Lenders
  • CO-OP - CONDOTEL Florida Mortgage Lenders
  • Second Florida Homes
    CASHOUT FLORIDA CO-OP - CONDOTEL CONDO, CONDOTEL
    • Cashout Maximum Loan to value is  80% of appraisal value with 740+ credit score, otherwise 75% cashout Florida Condo CO-OP - CONDOTEL, Condotels.
    • Up to $3,000,000 cash out Florida permitted less any Florida mortgage payoffs
    • Paying off a non-purchase money 2nd mortgage is defined as cash-out
    • No ownership seasoning required but must have settlement statement for the purchase
    • Source and seasoning required if Florida purchased within the prior 6 months.
    • Proceeds from Florida cash-out can be used for cashout refinance reserve requirement.

 

FLORIDA CONDOTEL MORTGAGE LENDERS

Condo-tels

A Florida condotel is a Condotel project that is operated as a hotel with a registration desk, cleaning service and more. The units are individually owned. Unit owners also have the option to place their unit in the hotel's rental program where it is rented out like any other hotel room.

  • • Purchase only
  • • Max LTV 65%
  • • Minimum FICO score 680
  • • Investment property only

Ineligible Florida Condotel Projects

  • • Projects containing the word hotel or motel in the name
  • • Projects that restrict the owner’s ability to occupy the unit
  • • Projects with mandatory rental pooling agreements that require unit owners to either rent their units or give a management firm control over unit occupancy
  • • Projects with non-incidental business operations owned or operated by the homeowners’ association (such as a restaurant, spa, health club, etc.)
  • • Common interest apartments
  • • Timeshare or segmented ownership projects
  • • Multi-unit dwelling condos that permit an owner to hold title to more than one dwelling unit, with ownership of all of his or her owned units evidenced by a single deed and financed by a single mortgage

Non-Warrantable Condotel Category

Non-Warrantable Allowances

Program Eligibility

Non-warrantable Condotel s allowed on all programs

Lender Exposure

Florida Condotel Mortgage Lenders will not finance more than 25% of the units in any one project.

LTV

See Program rate sheet for restrictions

New Construction

Reduce LTV by 5%.

Commercial/Non-Residential %

 Subject property must be 100% residential

 Project/building must be < 50% commercial

 If commercial % exists, must be “typical for market and have no negative impact on marketability”

 Commercial % is determined by appraiser

 No further assessment required

Minimum Square Footage

 600 square feet

HOA Lien Priority States

 Allowed within lien priority state. Document via HOA certification.

Fractured Project

 “Fractured Projects” definition: A “new” project where the builder/developer is renting out over 10% of the project or the original builder/developer went bankrupt and a subsequent developer or construction lender took over the project and is now renting/selling the remaining units

 Allowed on a case-by-case basis with Senior Management approval

HOA reserves

 HOA Budget must include a dedicated line item allocation to replacement reserves of at least 8% of the budget. (Full budget not required; amount can be based on monthly fees x the number of units).

The ARM is a 1st mortgage adjustable rate loan with principal and interest payments amortized over 30 years.

  • 3/1 ARM: Rate is fixed for 3 years.
  • 5/1 ARM: Rate is fixed for 5 years.
  • 7/1 ARM: Rate is fixed for 7 years.
  • 30 Year fixed for 30 years.

FLORIDA CondoTel MINIMUM & MAX LOAN AMOUNTS
• $100,000 minimum loan amount. Exceptions considered on a case-by-case.
• Co0OP Loan amount exceptions over $4,000,000 available.

FLORIDA CondoTel MORTGAGE LENDERS CREDIT REQUIREMENTS
• 680 middle score required with some exceptions allowed for lack of credit or unestablished credit.
• For co-CondoTel 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 CondoTel mortgage applicant from financing, even if the minimum credit score is met.
• The credit report is used for Pre-Approval and CondoTel mortgage lenders will also pull credit before issuing a conditional
approval. Mid-score from CondoTel 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
FLORIDA CondoTel MORTGAGE LENDERS OPTIONS INCLUDE:

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

FLORIDA CondoTel MORTGAGE MAXIMUM DEBT TO INCOME
Maximum Florida CondoTel Mortgage Lenders Debt To Income Ratio 
• 43% maximum back-end ratio.

FLORIDA CondoTel MORTGAGE LENDERS APPROVAL PROCESS

ELIGIBLE FLORIDA CondoTel PROPERTY TYPES & OCCUPANCY
Florida CondoTel Occupancy Permitted
• Primary Florida CondoTel Residence
• Second Florida CondoTel Home (minimal rental income allowed)
• Investment Florida CondoTel Property (non-owner Florida CondoTel occupied) permitted at maximum Florida CondoTel loan of 60% LTV
ELIGIBLE FLORIDA CondoTel MORTGAGE REQUIREMENTS
• Minimum Down Payment 20% For Florida CondoTel Mortgage Lenders
• Title Insurance for Florida CondoTels title policy issued through a title company or closing attorney must be issued on Florida CondoTel certificate
• Leaseholds Florida CondoTel allowed on a case-by-case basis
BAD CREDIT FLORIDA CondoTel 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.
FLORIDA CondoTel 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% downpayment
• No derogatory credit allowed since the bad credit event
• Strong extenuating circumstance and signed letter of explanation from CondoTel mortgage applicant detailing event required.
NOT ALLOWABLE FOR FLORIDA CondoTel MORTGAGE LENDERS
– Structural Florida CondoTel deficiencies and certain pending litigation (please contact your AE if litigation is not related to a structural issue)
– Incomplete Florida CondoTel construction of the subject phase
APPROVED OR ALLOWED FLORIDA CondoTel MORTGAGE LENDERS CASE BY CASE: 
– Low Florida CondoTel HOA budget reserves
– HOA Florida CondoTel delinquencies exceeding 15%
•  Florida CondoTel mortgage lenders  Questionnaire must be 100% complete for Approval Commitment. No blanks or questions answered “n/a” or “unknown,” and the Florida CondoTel questionnaire must pass underwriter review.
• Florida CondoTels mortgage lenders price Florida CondoTels the same as Non-Warrantable Condos, regardless of loan size or Florida CondoTel questionnaire findings.
• Florida CondoTel must pust have a full kitchen and at least one separate bedroom. Minimum Florida CondoTel size 500 square feet generally required. Efficiency Florida CondoTels or studio units are not permitted.
• Coinsurance Florida CondoTel is considered case-by-case if no agreed amount endorsement is available.

SELF EMPLOYED FLORIDA CondoTel MORTGAGE LENDERS
Self-Employed CondoTel mortgage Income calculations
• The 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 FLORIDA CondoTel 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 Florida CondoTel properties owned including the subject.
• At least 3 months of the subject property’s reserves must be liquid non-retirement.
FLORIDA CondoTel MORTGAGE LENDERS CASE BY CASE MORTGAGE APPROVALS
• Florida CondoTel Current reserve balance meets or exceeds 2 months of the subject property’s Florida CondoTel HOA dues in reserves multiplied by all Florida CondoTel units in the Florida CondoTel project or 10% or more reserve allocation designated in the most recent Florida CondoTel budget.
SECOND HOME FLORIDA CondoTel MORTGAGE LENDERS
• Florida CondoTel Mortgage Lenders will typically define a property as a second Florida CondoTel home if it is (1) located in a vacation or resort area 30 or more miles from the primary Florida CondoTel residence or (2) used a Florida CondoTel college housing for enrolled dependent within 5 miles of campus)
• Short-term Florida CondoTel rental income is allowed on second Florida CondoTel homes and generally does not constitute a Florida CondoTel investment property designation. Florida CondoTel Rental income cannot be used to qualify. An evaluation of the 1040 Schedule E is required.
FLORIDA CondoTel MORTGAGE FOR INVESTMENT PROPERTY 
• Property titled in LLC allowed 
• Maximum Florida CondoTel 60% LTV for investor Florida CondoTel 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 Florida CondoTel 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 Florida CondoTel 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 FLORIDA CondoTel AND HOW DO I GET A FLORIDA MORTGAGE?
A Florida CondoTel or cooperative apartment is an individual living unit within a Florida CondoTel building or development where a buyer purchases shares (equal to the value of the unit) in a Florida CondoTel corporation that holds title to a building   Coops are predominantly located.  Normally a Florida CondoTel sponsor will buy the building (takes out the underlying Florida CondoTel mortgage) and then will sell off the shares.  Therefore, when buying a coop, you are actually buying Florida CondoTel shares in a corporation, not buying real property.
HOW TO FLORIDA CondoTel BUILDINGS GET PRE QUALIFIED BY FLORIDA MORTGAGE LENDERS?
To start with Florida CondoTel lender will look at the following factors to see if a particular Florida CondoTel building corresponds with their guidelines:  the Florida CondoTel property’s resale value, investor concentration, and Florida CondoTel 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 Florida CondoTel owners), the following ratios and guideline percentages result:
HOW IS A FLORIDA CondoTel 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 Florida CondoTel, individual units do not have individual deeds. A Florida CondoTel mortgage is actually a “share-loan” or a loan that purchases a share within in the Florida CondoTel. The difference makes securing a loan for a Florida CondoTel more complicated them getting a traditional mortgage and fewer mortgage lenders offer share loans.
FLORIDA COOP BOARDS AND APPROVAL RULES
To buy into a Florida CondoTel, you must be approved by the Florida CondoTel board. The approval process is often extensive and may require interviews and character references, in addition to your employment, financial, and credit history. Florida CondoTel 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 Florida CondoTel unit. As a Florida CondoTel shareholder, you don’t have the right of alienation where basically, you can’t sell your Florida CondoTel share (or rent your Florida CondoTel unit) without the permission of the Florida CondoTel board. Some Florida CondoTel associations have the right of first refusal, meaning they have the option to buy the property before you offer your Florida CondoTel to outside buyers. Florida CondoTel boards, though, can simply deny a sale without matching the sale price.

HOW FLORIDA COOP OWNERSHIP DIFFERS FROM CONDO OWNERSHIP
When you purchase a Condotel you are purchasing a specific unit the surface and the interior walls of the unit in the space the condo contains. With a CondoTel, 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. 

 

Florida Condotel product Description

The Portfolio ARM is a 1st mortgage adjustable rate loan with principal and interest payments amortized over 30 years.

  • 3/1 ARM: Rate is fixed for 3 years, and then every year thereafter.
  • 5/1 ARM: Rate is fixed for 5 years, and then every year thereafter.
  • 7/1 ARM: Rate is fixed for 7 years, and then every year thereafter.

Florida Condotel Mortgage Lenders Program Features 

• No prepayment penalty 

• 2/2/6 caps 

• Index: 1 Year CMT

 • Margin: 3.0% 

• Floor Rate = Start Rate 

• PITI Qualification   

3/1 ARM = Start Rate + 6.0%   

5/1 ARM = Start Rate + 2.0%   

7/1 ARM = Start Rate 

• Escrows required  Escrows waived as an exception and when the following is met:   

740+ credit score   Loan must pass HTML test   Escrow waiver = .25% fee or + .125% in rate

 Minimum & Maximum Loan Amount

Minimum & Maximum Loan Amount 

• $100,000 minimum loan amount. Exceptions considered on a case-by-case.

 • Loan amount exceptions over $3,000,000 available. 

1-4 Unit Residential Properties

1-4 Unit Residential Properties • 1 Unit Residential:- SFR- PUD- Condo- Non-Warrantable Condo-

Condotel (75% LTV max)-

CondoTel- SFR with Hobby Farm (70% LTV max)

- SFR on over 10 Acres (70% LTV max)

- Unique SFR or Condo (70% LTV max, but may be reduced further case-by-case) 

• 2 Unit Residential, 75% LTV max (see Rental Income Section) 

• 3-4 Unit Residential, 70% LTV max (see Rental Income Section)

Florida Condotel Mortgage Lenders 

• Maximum 75% LTV 

• Leaseholds allowed if remaining term on the land lease is 30 years or longer

Not allowed with Florida Condotel lenders:

- Blackout dates not permitting year-round owner occupancy

- Structural deficiencies and certain pending litigation

- Incomplete construction of the subject phase Florida Condotels Approved/Evaluated Case-by-Case:

- Low HOA budget reserves

- HOA delinquencies exceeding 15% 

• Florida Condotel questionnaire must be 100% complete for Approval Commitment. No blanks or questions answered “n/a”   or “unknown,” and questionnaire must pass underwriter review. 

• Must have a full kitchen and at least one separate bedroom. Minimum 500 square feet generally required. Efficiency   or studio units are not permitted.

 • Coinsurance is considered case-by-case if no agreed amount endorsement is available

   


www.Florida-Mortgage-Lenders.com


WHAT IS A FLORIDA CONDOTEL?

Florida condotel ‘s are Condotel unit’s located within a Florida hotel’s that provide the individual unit owner with all the perks and amenities that a normal Florida hotel offers. When the individual condotel owner is not occupying the unit, it can be rented out by the staff on hand as as regular hotel unit to the hotels guests. This generates rental revenues for the Florida condotel owner to offset the Condotel costs associated with owing a Florida Condotel ownership.


 FLORIDA CONDOTEL MORTGAGE PROGRAMS INCLUDE: 

• LOAN SIZE: $100,000 to $3 Million
• LOAN TERMS: Amortized from 5 to 30 years
• LOAN TO VALUE: Up to 65%
• FOREIGN NATIONALS: Eligible
• CLOSING: 20-40 days


CONDOTEL EXPLAINED

Most have never heard of a condotel until they saw one for sale. However, there is a good chance you stayed at a Florida condotel the last time your were on a Florida beach vacation. A Florida condotel to make it simple is described as a Condotel unit that is located within a Florida hotel or motel. A Condotel provides the individual unit owner with some of all of the perks and amenities that the condotel has to offer while the individual unit owner is not occupying the Condotel, it can be rented out to regular Florida hotel guests providing rental revenue for the condotel owner to offset monthly ownership costs.


 FLORIDA CONDOTEL ADVANTAGES 

• Florida Condotels offer a very unique investment opportunity as well as a great second Florida home/vacation home destination for you and your family.
• Florida Condotels are headache Free Investment opportunities. Most Florida condotels are attached to hotel projects with a property management team that take care of everything from maintenance to renting your Florida condotel unit.
• Very low monthly cost As, a result of the monthly rental revenue from you condotel unit investors can offset the monthly mortgage costs or may even provide positive cash flow.
• Florida Vacation Destination- Your Florida Condotel unit can be used as a great vacation getaway for you and your family.
• Florida Investment Appreciation- Over the past five years, the huge increase in demand for Florida condotel units have provided them enormous appreciation value. Most industry experts do not see a slow down in demand for Florida condotels’s anytime soon.


 ARE ALL FLORIDA CONDOTELS THE SAME?

Florida condo hotel units vary in size, amenities and operating rules are all different case by case. Some are two-bedroom suites with full kitchens while others are simple Florida condotel rooms with a micro-fridge and microwave. Prices range from $100,000 to $3,000,000 per Florida condotel unit.

  • Alachua FL CondoTel Mortgage Lenders
    Alachua | Gainesville | Hawthorne
  • Alachua CondoTel MORTGAGE LENDERS
  • Baker Macclenny FL CondoTel Mortgage Lenders
  • Baker CondoTel MORTGAGE LENDERS

Bay  Panama City FL CondoTel Mortgage Lenders

  • Bay CondoTel MORTGAGE LENDERS

Bradford Florida CondoTel Mortgage Lenders 

  • Bradford CondoTel MORTGAGE LENDERS

Brevard  Cape Canaveral | Cocoa | Cocoa Beach | Indialantic | Melbourne | Melbourne Beach | Palm Bay | Rockledge |Satellite Beach | Titusville | West Melbourne

  • Brevard CondoTel MORTGAGE LENDERS

Broward  Coconut Creek | Coral Springs | Dania Beach | Davie | Deerfield Beach | Fort Lauderdale | Hallandale Beach |Hollywood | Lauderhill | Lighthouse Point | Margate | Miramar | Oakland Park | Pembroke Pines | Plantation |Pompano Beach | Tamarac | Weston | Wilton Manors

  • Broward CondoTel MORTGAGE LENDERS

Calhoun  Bloutstown

  • Calhoun CondoTel MORTGAGE LENDERS

Charlotte 
Punta Gorda

  • Charlotte CondoTel MORTGAGE LENDERS

Citrus 
Crystal River

  • Citrus CondoTel MORTGAGE LENDERS

Clay 
Green Cove Springs | Orange Park

  • Clay CondoTel MORTGAGE LENDERS

Collier 
Everglades City | Marco Island | Naples

  • Collier CondoTel MORTGAGE LENDERS

Columbia FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Columbia

  • Columbia CondoTel MORTGAGE LENDERS

Miami Florida FL CondoTel Mortgage Lenders

DeSoto FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in DeSoto

  • DeSoto CondoTel MORTGAGE LENDERS

Dixie FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Dixie

  • Dixie CondoTel MORTGAGE LENDERS

Duval FL CondoTel Mortgage Lenders
Atlantic Beach | Jacksonville | Neptune Beach

  • Duval CondoTel MORTGAGE LENDERSCondoTel MORTGAGE LENDERS

Escambia FL CondoTel Mortgage Lenders
Pensacola

  • Escambia CondoTel MORTGAGE LENDERS CondoTel MORTGAGE LENDERS

Flagler FL CondoTel Mortgage Lenders
Palm Coast

  • Flagler CondoTel MORTGAGE LENDERS CondoTel MORTGAGE LENDERS

Franklin FL CondoTel Mortgage Lenders
Apalachicola

  • Franklin CondoTel MORTGAGE LENDERSCondoTel MORTGAGE LENDERS

Gadsden FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Gadsden

  • Gadsden CondoTel MORTGAGE LENDERSCondoTel MORTGAGE LENDERS

Gilchrist 
No web sites found at State of Florida.com for cities and towns in Gilchrist

  • Gilchrist CondoTel MORTGAGE LENDERS

Glades FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Glades

  • Glades CondoTel MORTGAGE LENDERS

Gulf FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Gulf

  • Gulf CondoTel MORTGAGE LENDERS

Hamilton 
No web sites found at State of Florida.com for cities and towns in Hamilton

  • Hamilton CondoTel MORTGAGE LENDERS

Hardee 
No web sites found at State of Florida.com for cities and towns in Hardee

  • Hardee CondoTel MORTGAGE LENDERS

Hendry 
Clewiston | LaBelle

  • Hendry CondoTel MORTGAGE LENDERS

Hernando FL CondoTel Mortgage Lenders
Brooksville

  • Hernando CondoTel MORTGAGE LENDERS

Highlands FL CondoTel Mortgage Lenders
Avon Park

  • Highlands CondoTel MORTGAGE LENDERS

Hillsborough 
Plant City | Tampa | Temple Terrace

  • Hillsborough CondoTel MORTGAGE LENDERS

Holmes 
No web sites found at State of Florida.com for cities and towns in Holmes

  • Holmes CondoTel MORTGAGE LENDERS

Indian River 
Vero Beach | Sebastian

  • Indian River CondoTel MORTGAGE LENDERS

Jackson 
No web sites found at State of Florida.com for cities and towns in Jackson

  • Jackson CondoTel MORTGAGE LENDERS

Jefferson FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Jefferson

  • Jefferson CondoTel MORTGAGE LENDERS

Lafayette 
No web sites found at State of Florida.com for cities and towns in Lafayette

  • Lafayette CondoTel MORTGAGE LENDERS

Lake 
Eustis | Fruitland Park | Lady Lake | Leesburg | Minneola | Mount Dora | Tavares

  • Lake CondoTel MORTGAGE LENDERS

Lee 
Bonita Springs | Cape Coral | Fort Myers | Fort Myers Beach | Sanibel

  • Lee CondoTel MORTGAGE LENDERS

Leon 
Tallahassee

  • Leon CondoTel MORTGAGE LENDERS

Levy 
No web sites found at State of Florida.com for cities and towns in Levy

  • Levy CondoTel MORTGAGE LENDERS

Liberty 
No web sites found at State of Florida.com for cities and towns in Liberty

  • Liberty CondoTel MORTGAGE LENDERS

Madison 
No web sites found at State of Florida.com for cities and towns in Madison

  • Madison CondoTel MORTGAGE LENDERS

Manatee 
Anna Maria Island | Bradenton | Holmes Beach | Longboat Key | Palmetto

  • Manatee CondoTel MORTGAGE LENDERS

Marion CondoTel Mortgage Lenders
Ocala

  • Marion CondoTel MORTGAGE LENDERS

Martin  County CondoTel Mortgage Lenders
Sewall’s Point | Stuart

  • Martin CondoTel MORTGAGE LENDERS

Miami-Dade CondoTel Mortgage Lenders
Aventura | Bal Harbour | Bay Harbor Islands | Coral Gables | Hialeah | Hialeah Gardens | Homestead | Key Biscayne | Miami | Miami Beach | North Miami | North Miami Beach | Pinecrest | Surfside

  • Miami-Dade CondoTel MORTGAGE LENDERS

Monroe  CondoTel Mortgage Lenders
Islamorada | Key Largo | Key West

  • Monroe CondoTel MORTGAGE LENDERS

Nassau FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Nassau

  • Nassau CondoTel MORTGAGE LENDERS

Okaloosa FL CondoTel Mortgage Lenders
Cinco Bayou | Destin | Fort Walton Beach | Niceville | Shalimar | Valparaiso

  • Okaloosa FL CondoTel Mortgage Lenders

Okeechobee FL CondoTel Mortgage Lenders
Okeechobee

  • Okeechobee CondoTel MORTGAGE LENDERS

Orange FL CondoTel Mortgage Lenders
Apopka | Edgewood | Maitland | Ocoee | Orlando | Winter Garden | Winter Park

  • Orange FL CondoTel Mortgage Lenders

Osceola FL CondoTel Mortgage Lenders
Celebration | Kissimmee | St. Cloud

  • OsceolaFL CondoTel Mortgage Lenders

Palm Beach FL CondoTel Mortgage Lenders
Boca Raton | Boynton Beach | Delray Beach | Greenacres | Highland Beach | Hypoluxo | Juno Beach | Jupiter |Lake Park | Lake Worth | Lantana | Ocean Ridge | Palm Beach | Palm Beach Gardens | Royal Palm Beach |Wellington | West Palm Beach

  • Palm Beach CondoTel MORTGAGE LENDERS

Pasco FL CondoTel Mortgage Lenders
Holiday FL, New Port Richey

  • Pasco CondoTel MORTGAGE LENDERS

Pinellas FL CondoTel Mortgage Lenders
Clearwater | Dunedin | Gulfport | Largo | Oldsmar | Pinellas Park | St. Pete Beach | St. Petersburg | Safety Harbor | Tarpon Springs | Treasure Island

  • Pinellas CondoTel MORTGAGE LENDERS

Polk 
Auburndale | Bartow | Eagle Lake | Fort Meade | Haines City | Lake Alfred | Lakeland | Lake Wales | Winter Haven

  • Polk CondoTel MORTGAGE LENDERS

Putnam 
Palatka

  • Putnam CondoTel MORTGAGE LENDERS

Santa Rosa 
Gulf Breeze | Milton

  • Santa Rosa CondoTel MORTGAGE LENDERS

Sarasota 
Longboat Key | North Port | Sarasota | Venice

  • Sarasota CondoTel MORTGAGE LENDERS

Seminole FL CondoTel Mortgage Lenders
Altamonte Springs | Casselberry | Lake Mary | Longwood | Oviedo | Sanford | Winter Springs

  • Seminole CondoTel MORTGAGE LENDERS

St. Johns FL CondoTel Mortgage Lenders
St. Augustine | St. Augustine Beach

  • St. Johns CondoTel MORTGAGE LENDERS

St. Lucie FL CondoTel Mortgage Lenders
Fort Pierce | Port St. Lucie

  • St. Lucie CondoTel MORTGAGE LENDERS

Sumter FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Sumter

  • Sumter CondoTel MORTGAGE LENDERS

Suwannee FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Suwannee

  • Suwannee CondoTel MORTGAGE LENDERS

Taylor FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Taylor

  • Taylor CondoTel MORTGAGE LENDERS

Union 
No web sites found at State of Florida.com for cities and towns in Union

  • Union CondoTel MORTGAGE LENDERS

Volusia FL CondoTel Mortgage Lenders
Daytona Beach | DeLand | Deltona | Debary Edgewater | Holly Hill | New Smyrna Beach | Ormond Beach |Ponce Inlet | Port Orange

  • Volusia CondoTel MORTGAGE LENDERS

Wakulla FL CondoTel Mortgage Lenders
No web sites found at State of Florida.com for cities and towns in Wakulla

  • Wakulla CondoTel MORTGAGE LENDERS

Walton FL CondoTel Mortgage Lenders
DeFuniak Springs | Seaside

  • Walton CondoTel MORTGAGE LENDERS

Washington FL CondoTel Mortgage Lenders
Chipley

  • Washington CondoTel MORTGAGE LENDERS

 CondoTel Resources

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Reviews on Zillow
 
1399173
"Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
5.0/5.0
by lbaze2008
1375949
"I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
5.0/5.0
by rmac333
1345066
"Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
5.0/5.0
by zuser20140303145114251

MINIMUM CREDIT SCORE

FHA MORTGAGE

580 MIN FICO

NO TAX RETURN PROGRAMS

600 MIN FICO

PORTFOLIO MORTGAGE

600 MIN FICO SCORE 

VA MORTGAGE

580 MIN FICO SCORE 

USDA LOANS

600 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

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954-667-9110

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All Information Subject To Change Without Notice and should not be relied on for decision making.