www.Florida-Mortgage-Lenders.com 
All Information is subject to change without notice.

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Questions

911loan@gmail.com

 
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

CREDIT REQUIREMENTS Mobile top

FHA MORTGAGE

550 MIN FICO

PORTFOLIO MORTGAGE

NO MINIMUM

VA MORTGAGE

550 MIN FICO SCORE 

USDA LOANS

580 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

CALL NOW!

954-667-9110

Apply Now!

SELF EMPLOYED PORT ST LUCIE FL MORTGAGE LENDERS- NO TAX RETURNS NEEDED!

  • NO TAX RETURN MORTGAGE LENDERS!
  • USE BANK STATEMENT DEPOSITS FOR INCOME!
  • SAME DAY PRE APPROVALS!

00. SELF EMPLOYED MORTGAGE LENDERS

  • QUESTIONS CALL 954-667-9110

SELF EMPLOYED MORTGAGE LENDERS QUESTIONS AND ANSWERS

If you’re one of a million plus Florida mortgage applicants that are self-employed, you don’t have to give up your self-employment for a W2 job in order to qualify for a Florida mortgage. You don’t even have to give up all your current self-employment deductions to qualify. The key for self-employed Florida mortgage applicant is successfully obtaining a mortgage is income verification.

Yes, We approve Florida Self Employed Mortgage Applicants Everyday to buy a Florida home!

Florida self-employed mortgage lenders want to be sure you can afford your mortgage and for the self-employed that requires some extra paperwork. These documents can include your last 24 months business or personal bank statements in order to verify your stable predictable and will which all help to prove your ability to repay your mortgage.

  • 24 months Florida Personal bank statements lenders will allow you use 100% of the income to qualify. 
  • 24 months Florida Business bank statements use up to 90% of your deposits.

24 MONTHS BUSINESS BANK STATEMENTS AND DETERMINING NET INCOME

Many lenders have their own criteria for determining your net income after your self-employment expenses.

  • Provide a profit-loss statement for the most recent 2 years signed by Florida accountant or tax preparer.
  • Provide Income expense ratio letter for the most recent 2 years signed by Florida accountant or tax preparer.
  • Take 50% of your business deposits. No More questions asked!

FLORIDA SELF EMPLOYED BORROWERS FIND VALUE IN PAYING A LITTLE MORE 

While getting a Florida mortgage and fully documenting your income as a W-2 employee may be cheaper than if you're self-employed. Most self-employed Florida mortgage applicants see the value in paying the additional closing cost and interest rate than to give up all of their business write-offs. After Florida home prices see to never stop going up and all paying a tax-deductible mortgage for a dream home that increases in value just makes good business sense.  

 
HOW SELF-EMPLOYED FLORIDA BORROWERS QUALIFY FOR MORE MONEY?

Work on your compensating factors that reduce risk to your Florida self-employed mortgage lender. In order to help offset the risk that comes with being self-employed your loan application should have at least a couple of factors that compensate and reduce the Florida mortgage lender's risk. Compensating factors income having a high income, low debt-to-income ratio, and a large down payment, low loan-to-value ratio High credit scores include those over +700. Having large cash reserves Established self-employment history with sufficient income Low amount of consumer debts on your credit that include credit card payments, student loans, auto loan payments will help your outcome. KEEP IN MIND WE HAVE TO ABILITY TO APPROVE FLORIDA SELF EMPLOYED DOWN TO 580 FICO

Self Employed Florida Mortgage Lenders

Bank Statement loans for self-employed borrowers who cannot qualify for a traditional bank loan because of business expenses. Self-employed Florida mortgage Lenders are perfect because while most Florida self-employed borrowers earn a solid income, they show a smaller net income on their tax returns. Our Florida mortgage team is well-versed in these bank statement only loans and placing the borrowers where they can get the optimal loan to fit their needs

Serving every city and a county in Florida

PORT ST. LUCIE FL Mortgage Lenders Providing:  New Home Loans, Mortgage Refinance, FHA, VA & Bad Credit Mortgage Lenders 

Whether you’re a first-time Port St. Lucie Florida homebuyer or looking to refinance your existing mortgage in Port St. Lucie, 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 Port St. Lucie Florida while keeping them informed and educated throughout the process. 

 

PORT ST. LUCIE FLORIDA LOAN PROGRAMS

PORT ST. LUCIE 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!

PORT ST. LUCIE 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!

PORT ST. LUCIE FLORIDA BAD CREDIT MORTGAGE LENDERS:

  • Bad Credit Florida Mortgage Options:
  • No Origination Fee Options
  • 30 Year Fixed
  • 20 and 15 Year Fixed
  • ARM Options

PORT ST. LUCIE 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 PORT ST. LUCIE FLORIDA MORTGAGE APPROVALS!

1STARTNOW

SERVING ALL PORT ST. LUCIE FLORIDA

www.Florida-Mortgage-Lenders.com

 

PORT ST. LUCIE FLORIDA MORTGAGE LENDERS CITY DATA

Population in 2013: 171,016 (100% urban, 0% rural). Population change since 2000: +92.7%

Males: 83,814     (49.0%)

Females: 87,202                (51.0%)

Median resident age:     40.9 years

Florida median age:        41.5 years

Zip codes: 34953, 34983, 34984, 34986, 34987.

Port St. Lucie Zip Code Map

Estimated median household income in 2013: $48,562 (it was $40,509 in 2000)

Port St. Lucie:    $48,562

FL:          $46,036

Estimated per capita income in 2013: $22,966 (it was $18,059 in 2000)

Port St. Lucie city income, earnings, and wages data

Estimated median house or condo value in 2013: $135,400 (it was $87,700 in 2000)

Port St. Lucie:    $135,400

FL:          $153,300

Mean prices in 2013: All housing units: $150,892; Detached houses: $153,451; Townhouses or other attached units: $97,067; In 2-unit structures: $125,472; In 3-to-4-unit structures: $69,755; In 5-or-more-unit structures: $126,963; Mobile homes: $23,351

Median gross rent in 2013: $1,208.

Recent home sales, real estate maps, and home value estimator for zip codes: 34945, 34952, 34953, 34983, 34984, 34986, 34987.

Port St. Lucie, FL residents, houses, and apartments details

  • Canal Point, FL
  • Fort Pierce, FL
  • Hobe Sound, FL
  • Indiantown, FL
  • Jensen Beach, FL
  • Jupiter, FL
  • North Palm Beach, FL
  • Okeechobee, FL
  • Pahokee, FL
  • Palm Beach Gardens, FL
  • Palm City, FL
  • Port Salerno, FL
  • Royal Palm Beach, FL
  • Stuart, FL
  • Vero Beach, FL
  • West Palm Beach, FL

Apply Now

Questions

911loan@gmail.com

 
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 "
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 

CALL NOW!

954-667-9110

Apply Now!

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