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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!

Florida mortgage & Home Loan is pleased to introduce unique Florida investor loan programs that target the special needs and requirements for the serious Florida real estate investor. Our Florida real estate investor loan products offer great flexibility and business friendly features:
 
• We allow more than 10 Florida investor loans - We finance up to 20 Florida investor property loans in Florida.
• Cash out on existing Florida investment properties- more than 10 up to 20!
• Purchase new Florida properties with multiple income and documentation options.
• Flexible  debt to income ratios ("assets can now be used for income" option)
• Purchase Florida investment properties with deferred maintenance and repairs
• Florida investor loans up to $650,000 per property
• Income sources include rental, W2 and self-employment
• Minimum FICO scores down to 640
• Non-warrantable condos okay
• Self-employed borrowers OK!
• Seller concessions up to 6% to cover your closing cost
• We also lncome alternative to hard money lenders and conventional financing
• Competitive fixed and adjustable interest rates
 
 
More Information about Florida Investor Loans
In today's Florida real estate market provides Florida real estate investors with a unique opportunity to buy a property at an attractive price and enjoy extraordinary returns on the Florida investment real estate. Low-priced distressed or investor-owned Florida real estate can provide investors even greater bargains, and an ample supply of these Florida homes has encouraged many Florida real estate investors to purchase and rehabilitate foreclosures around Florida.
However, the Florida real estate market is not without its difficulties, particularly when it comes to securing Florida investor loans. As Florida mortgage company that funds Florida Investors loans we look for investor’s strong history of investment success, significant cash reserves and a solid credit picture.
At Florida Mortgage and Home Loan, we work with Florida real estate investors to arrange the most affordable and flexible investor loans. With a broader selection of real estate investor loans and the flexible terms that make these Florida investor loans more attractive to more borrowers, Florida Mortgage And Loan has the tools to help Florida  investors achieve the investor loans they need for a successful investment.
The challenges of traditional financing
Florida real estate Investors have recognized that today’s Florida foreclosure market is a prime opportunity to turn these distressed and Florida investor-owned real estate into successful, burgeoning multifamily homes. At the same time, many of these Florida real estate investors have encountered difficulties when applying for Florida investor loans.

BAD CREDIT+NO TAX RETURN FLORIDA MORTGAGE LENDERS

Bad Credit No Tax Return Mortgage Lenders

Florida Mortgage Lenders. com is pleased to introduce unique Florida investor loan programs that target the special needs and requirements for the serious stated income Florida real estate investors. Florida Mortgage Lenders. com Investor loan programs offer Florida investors great flexibility and business-friendly features including:

bad credit Florida investment mortgage lenders

BAD CREDIT NO TAX RETURN FLORIDA MORTGAGE LENDERS

·         Short-term bridge financing – 1,2 and 4 yr loan programs.

·         Strictly non-owner occupied investment properties.

·         SFR’s, Multifamily up to 10 units.

·         Fix and Flip Financing.

·         Cash Out Refinance.

·         Rate and Term Refinance.

·         Buy and Hold.

·         Stated Income.

·         No Tax Returns, No W2’s.

·         Only Upfront Cost is for the Appraisal - $295.

·          4 POINTS!

·         Processing Fee of $1,195 for Purchases and Refinances – If they are using our Rehab Financing Program, processing fee of $2,195

·         Up to 75% LTV in Florida.

·         Foreign National Program – LTVs Scaled back and Higher Interest Rate.

·         7-10 Day Closing.

·         Rates range from 8.5% - 10.5%.

·         Three qualifications for the Rate:

o   Fico Score – No Minimum, just used for pricing – We will pull credit once we receive the application.

o   Investors Experience Level – How many Flips in the past 12 months? Currently, have any rentals?

o   Entity Vesting – We give a .25% reduction in the rate if the borrower is taking out title in a business entity – LLC, S Corp, C Corp.

·          Operations are all in-house. Processing, Underwriting, and Funding. This allows for a smooth and transparent process so you know where we are in the loan process.

·         You get paid by points from the borrower at closing. You have to pitch the borrower a combined total of the point to be paid at closing.

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LENDING CRITERIA- FLORIDA NO TAX RETURN MORTGAGE LENDERS: Loan programs for Owner Occ and 2nd homes only ● See InvestorX rate sheets for Non OCC programs

MINIMUM CREDIT SCORE FOR – FLORIDA NO TAX RETURN MORTGAGE LENDERS

  • 500+ QUALIFICATIONS– 500+ FICO Max 90 days Delinquent BK/FC Completed SS/DIL Settled Purchase 75% LTV RT Refi 75% LTV Cash-out Refi 70% LTV Margin 4.75%
  • 540+ QUALIFICATIONS- 540+ FICO Mtg 0x90 (12 Months) No BK/FC 1 Year SS/DIL Settled Purchase 80% LTV RT Refi 80% LTV Cash-out Refi 75% LTV 2nd Home 75% LTV Margin 4.75%
  •  600+ QUALIFICATIONS- 600+ FICO Mtg 0x60 (12 Months) No BK 18 Months/FC 2 Years SS/DIL Settled Purchase 85% LTV RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 75% LTV Margin 4.75%
  • 640+QUALIFICATIONS- 640+ FICO Mtg 1×30 (12 months) No BK/FC 2 Years No SS/DIL 1 Year Purchase 85% LTV RT Refi 85% LTV Cash-out Refi 85% LTV (680 FICO, otherwise 80%) 2nd Home 75% LTV Margin 3.75%  
  •  680+QUALIFICATIONS- 680+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 90% LTV Cash-out Refi 85% LTV 2nd Home 80% LTV Margin 3.75%
  • 720+QUALIFICATIONS- 720+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 90% LTV Cash-out Refi 85% LTV 2nd Home 80% LTV Margin 3.75%
    Bankruptcy Multiple recent bankruptcy filings ineligible.

LOAN AMOUNTS – FLORIDA NO TAX RETURN MORTGAGE LENDERS:
● Minimum loan amount $100,000 RESERVES: ● 6 months required above 85% LTV ● 6 months required on 12 Mo Cash Flow Product ● See loans > $1M for additional info 

GENERAL FLORIDA NO TAX RETURN MORTGAGE LENDERS LOAN TERMS: 

  • 30 Year Fixed  and 5 year ARM, 7 year ARM options
  • No Pre-payment penalty 
  • Floor = Start rate 
  • Caps are 2/2/5 (2% initial change cap / 2% annual cap / 5% lifetime cap) 
  • Index – 1 year libor 
  • All loans require impound for tax and insurance PROPERTY TYPES: 
  • SFRs, condos, townhouses, 2-4 units (no rural properties < $200,000) 
  • Property must show “pride of ownership” DEBT TO INCOME RATIO: 
  • 50% max DTI (up to 55% case by case) 
  • See guidelines for residual income calculations * Requires 0x30 mortgage payment history last 12 months. Full Doc Only 
  • Minimum interest rate: 4.250% ARM 4.625% fixed

INCOME DOCUMENTATION FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS: 

  • Full Doc – 2 year (W-2 & paystubs, 1040s, K1’s) 
  • Full Doc – 1 year (W-2 and Current YTD paystub, K1’s) 
  • Full Doc – 1 year (One year Tax Return and YTD P&L Self Empl) 
  • Alt Doc – 12 or 24 months business or personal bank stmts (Self Empl only), Full Doc income with lease agreements, ok (rental income qualified by lease agreements) 
  • Asset Xpress – 100% of amount needed to amortize loan plus monthly debts for 60 months, max 80% LTV to $1.0M; Max 75% LTV to $1.5M 
  • Asset Assist – Assets divided by 120 is added to income. $1.5M max loan amount to 75% LTV, Max 80% LTV to $1M 
  • ALT Doc—3-month Bank Statement (24-month CPA compiled and signed P&L statement supported by 3-months bank stmts)
  • ALT Doc—Profit and Loss (P&L) only. 24-month P&L compiled and signed by CPA. CPA must also attest to filing tax returns for borrower for 24-months. 
  • ALT Doc—VOE only

DOWN PAYMENT REQUIREMENTS FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS: 

  • All down payment funds must be verified prior to drawing loan documents 
  • Secondary Financing 80% Max LTV/90% Max CLTV 

TAX LIENS, JUDGMENT REQUIREMENTS FOR NO  TAX RETURN MORTGAGE LENDERS : 

  • All tax liens and judgments must be paid at closing 

COLLECTION ACCOUNTS FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS

  • Collections and charge offs need to be paid off except: – Medical Collections – Collection accounts older than 2 years FIRST-TIME HOME BUYER: 
  • A , A- and B credit grades. B- grade case by case 

NON-PERMANENT RESIDENT ALIEN FLORIDA NO TAX RETURN MORTGAGE LENDERS: : 

  • 80% max LTV Purchase and Rate and Term Refi 75% max LTV on Cash Out 
  • A, A- and B credit grades only 
  • No FICO is allowed (when no FICO, price at Aand add 0.500% to rate) 
  • Visa classifications allowed (E-1 – E-3/G-1 – G-5/H-1/L-1/NATO/O-1/R1/TN (NAFTA) 

FLORIDA NO TAX RETURN MORTGAGE LENDERS FEES 

  • Underwriting Fee $1,495 
  • Flood Cert Fee $12 
  • Attorney Doc Review $150

AGE OF DOCUMENTS FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS

  • Credit Report/Credit Documentation: 90 days old at the time of closing
  • Income and Asset Documentation: Dated within 90 days of closing
  • Title Report/Title Commitment: Dated no later than 60 days prior to closing

APPRAISAL REQUIREMENTS BY FLORIDA NO TAX RETURN MORTGAGE LENDERS

Full Interior / Exterior appraisal required. Fannie Mae/Freddie Mac Forms 1004/70, 1025/72, 1073/465 or 2090 must be used. All Fannie Guidelines apply to

appraisal process and value determination, in addition an Appraisal Management Company must be utilized for appraiser selection.

The Appraisal should be dated no more than 120 days prior to the Note Date. After a 120 day period, a new appraisal is required. Re-certification of value is not acceptable. Minimum Square Footage 800 Sq. Feet

Not eligible: Properties for which the appraisal indicates condition ratings of C5 or C6 or a quality rating of Q6, each as determined under the Uniform Appraisal Dataset (UAD) guidelines. No Tax Return mortgage lenders will consider if issue has been corrected prior to loan funding with proper documentation.

A 5% reduction in LTV/CLTV will be required for all properties identified to be in a declining market as designated by the appraiser.

APPRAISAL REVIEW PRODUCTS: An enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a No Tax Return mortgage lenders Approved AMC is required on all transactions.

In lieu of an enhanced desk review product, a field review or second appraisal from a No Tax Return mortgage lenders’s AMC is acceptable.

If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. When a second appraisal is provided, the transactions “Appraised Value” will be the lower of the two appraisals. A second appraisal is required on loan amounts > $1,500,000

ASSETS – CASH TO CLOSE – FLORIDA NO TAX RETURN MORTGAGE LENDERS
• Full Asset Documentation is required for both funds to close and reserves. For most asset types, this would include all pages of the most recent two months statements or the most recent quarterly statement. All Assets from the borrower(s) must be disclosed and verified by the lender.

  • No business accounts may be used to meet down payment and/or reserve requirements unless the borrower(s) are 100% owners of the business and requires:

o A letter from the businesses accountant OR

o An underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business.

  • Stocks/Bonds/Mutual Funds – 80% may be used for reserves.
  • Vested Retirement Accounts – 70% may be considered for reserves (certain eligible plans can use 70% if borrower > 59 1⁄2 – i.e. 401k)
  • Assets being used for dividend and interest income may not be used to meet reserve requirements
  • If needed to close, verification that funds have been liquidated (if applicable) is required.
  • Gift of Equity is not allowed.
  • Builder profits are not allowed.
  • No employer assistance assets are allowed.
  • Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80.

FLORIDA NO TAX RETURN MORTGAGE LENDERS ELIGIBLE bad credit mortgage applicants

Eligible:

  • US Citizen
  • Permanent Resident Aliens
  • Non-Permanent Resident Aliens
  • First Time Home Buyers
  • Non-Occupant Co-No Tax Return mortgage applicants
  • Limited partnerships, general partnerships, corporations

o Personal guarantor required

In-Eligible:

  • Foreign Nationals
  • Irrevocable or Blind Trusts
  • Inter-Vivos Revocable Trust

OVERALL CREDIT REQUIREMENTS FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS

  • Each borrower’s ‘Credit Score’ is the middle of three or the lesser of two.
  • Representative Credit Score – Bank Statement loans, the lowest Credit Score among bad credit mortgage applicants.
  • Each Borrower’s credit profile must include a minimum of 2 trade lines (open or closed) within the last 24 months that show a 12 month history, or a combined credit profile between borrower and co-borrower with a minimum of 3 tradelines.
    o Tradeline activity is not required. Eligible tradelines cannot have any derogatory history in previous 24 months.
  • Current housing not reporting on credit can be considered an open trade if supported by bank records (cancelled checks/debits).
    • Borrower(s) not using income to qualify are not required to meet the minimum tradeline requirements listed above. 
  • No Tax Return mortgage applicants currently enrolled in credit counseling or debt management plans are not permitted. • All derogatory accounts require a full explanation. 
  • All Judgments or liens affecting title must be paid.
  • Non-title charge- offs and collections within 3 years and exceeding $3,000 (either individually or in aggregate) must be paid.
  • Medical collections are not required to be paid.
  • All past due accounts must be brought current prior to closing. 
  • No authorized user accounts will be used to satisfy minimum tradeline. 
  • Medical derogatory accounts, collections, and charge-offs permitted with letter of explanation. 
  • Disputed accounts require a LOE per Fannie Mae. An updated credit report not required.
  • IRS tax payment plans are permitted if current and do not carry a lien on any property.
  • Minimum FICO 700
  • Housing 0x30x12
  • BK (Chap 13 Discharge) 60 Mo
  • BK (Other) 60 Mo
  • Foreclosure 60 Mo
  • Short Sale / DIL 60Mo

NO TAX RETURN MORTGAGE FOR FIRST TIME HOME BUYER REQUIREMENTS

  • First Time Homebuyers (“FTHB”) are individuals that have not owned a home or had a residential mortgage in the last 3 years.
  • However, only bad credit mortgage applicants with no prior mortgage history or homeownership ever are restricted to the following:
  • Recent Event not permitted
  • I/Os not permitted
  • 12 month 0X30 housing history required
  • Primary Residence Only
  • Minimum of 6 months PITI reserves required.

DOCUMENT REQUIREMENTS FOR  FLORIDA NO TAX RETURN MORTGAGE LENDERS 

(1) 12 or 24 months Personal or 24 months Business Bank statements No Tax Return mortgage applicants who own more than 3 businesses must use personal bank statements option Bank statements must be most recent available at time of application and must be consecutive

(2) Profit & Loss Statement If submitting personal bank statements, a P&L prepared by the borrower covering no less than 12 or 24 months is required The P&L must be signed by the borrower If submitting business bank statements, a P&L prepared by the borrower covering no less than 24 months is required

Borrower is required to provide separate P&Ls for each business being used in qualifying.

The P&L should generally cover the same calendar months as the bank statements provided.

(3) Validation of a minimum of 2 years existence of the business from one of the following: Business License, Letter from Tax Preparer, Secretary of State Filing or equivalent

Self Employed/Wage Earner Combination – Joint bad credit mortgage applicants with 1 wage earner and 1 self-employed business owner can verify income separately, with the self-employed borrower utilizing bank statements and the wage earner providing pay stubs/W-2s. The wage earner 4506T should include W-2 transcripts only.

PROFIT & LOSS ANALYSIS FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS 

  • Net Income from the P&L will be used as Qualifying Income for both personal and business bank statements.
  • The P&L used for qualifying must be signed by the borrower.
  • Declining Income requires an LOE
  • Any amounts on the P&L representing salary/wages paid to the borrower/business owner can be added back and considered in the net income analysis.
  • Expense line items that can be added back to the business net income include depreciation, depletion, amortization, casualty losses, and other losses or expenses that are not consistent and recurring.
  • No Tax Return mortgage applicants utilizing business bank statements that own > 50% but < 100% of a business will be qualified at the P&L/AES net income multiplied by their ownership percentage.
  • The P&L expense ratio, Gross Income minus Net Income, divided by Gross Income, should be reasonable for the profession.

Example: A home-based sole practitioner therapist/consultant can be expected to have a low expense ratio, while a retail business that has a full staff of employees and relies heavily on inventory to generate income will have a high expense ratio.

  • If the file does not contain a CPA prepared P&L, steps must be taken by the underwriter to evaluate the reasonableness of the expenses listed by the borrower.
  • This requires the borrower to provide a business narrative which includes detail related to the size/scope and operating profile of the business, including the

following: o Description of Business/Business Profile o Location & Associated Rent o Number of Employees / Contractors o Estimated Cost of Goods Sold (Does business involve sale of goods or just services?) o Materials/Trucks/Equipment o Commercial or Retail client base? o Business Analysis

  • Expenses listed on a borrower prepared P&L should generally relate to the information provided below.

Joint Accounts – A joint personal account with a non-borrowing spouse or domestic partner can be used for qualifying as follows: o If not contributing income/deposits, it must be validated by a borrower affidavit o If contributing income/deposits, source must be clearly identified (direct deposit, SSI, trust income) and amounts must be subtracted from the analysis o Relationship letter must be present in file

Retirement, Government Annuity, and Pension Income – No Tax Return mortgage lenders may recognize an ancillary income stream from employment-related assets as eligible for income qualification. Borrower must evidence a 12 month history of documented draws or interest/dividend income. If, based on that history, the income will continue for at least three years, the income may be used for loan qualification. One of the following types of income documentation is required: o Copy of award letter or letters from the organizations providing the income o Most recent personal income tax return with all schedules o Most recent W2 or 1099 o

Most recent 2 months bank statements showing deposit of funds

If the income being used for qualifying represents at least 50% of the borrower’s total income, a five year continuance is required. The borrower must have

unrestricted access, and available to the borrower without penalty. Documentation of asset ownership must be in compliance with the allowable age of credit documents.

Restricted Stock Income – No Tax Return mortgage lenders will only consider restricted stock that was awarded in prior 2 years and became unrestricted (vested) in the current year. The Vesting Schedule must indicate the income will continue for a minimum of 3 years at a similar level to the prior 2 years. Continuance is based on the vesting schedule using a stock price based on the 52 week low for the most recent 12 months reporting at the time of closing. A 2 year average of prior income received from RSU’s or stock option will be used. The following documentation is required: o Copy of the vesting schedule o Most recent W2 and pay stub o Private Stock not eligible.

Component Sources of Income – A borrower who has a self-employed business and also receives income from other sources is eligible for the bank statement program. Income sources include but are not limited to rental properties, trust & investment, alimony, etc. These income sources should be separately documented on the 1003 and should be separately supported by bank statement deposits.

o Rental Income – months via cancelled checks, deposits clips, or bank records ed by a vacancy/expense factor of

25%

o Trust Income – idenced by unt, distribution frequency, and duration of payments

o Alimony Income – deposit slips, or bank records

o Note Receivable Income opy of the note confirming amount and length of payment checks, deposit slips, or bank records

MORTGAGE RENTAL VERIFICATION REQUIRED BY FLORIDA NO TAX RETURN MORTGAGE LENDERS

  • 12 months housing history required.
  • Rental history evidenced by 12 months proof of payment via cancelled checks or bank debits.
  • Rent free letters from spouses are not permitted. Housing history is required.

PAYMENT SHOCK FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS

  • Payment shock is limited to 250% on primary residence transactions.
  • Payment Shock Calculation –
  • (Proposed PITI – Current PITI) / Current PITI X 100
  • For bad credit mortgage applicants who do not have a current housing payment, or own a home free and clear, payment is shock is not considered.

PRIMARY HOME – FLORIDA NO TAX RETURN MORTGAGE LENDERS
• A primary residence is a property that the borrower(s) intend to occupy (within 60 days) as his or her principal residence.

  • Characteristics that may indicate that a property is used as a borrower’s primary residence include:

o It is occupied by the borrower for the major portion of the year.

o It is in a location relatively convenient to the borrower’s principal place of employment.

o It is the address of record for such activities as federal income tax reporting, voter registration, occupational licensing, and similar functions.

o Borrower may not own an additional single family residence of equal or greater value than subject property.

SECOND HOME – FLORIDA NO TAX RETURN MORTGAGE LENDERS 

A property is considered a second home when it meets all of the following requirements:

  • Must be located a reasonable distance away from the borrower(s) principal residence.
  • Must be occupied by the borrower(s) for some portion of the year.
  • Is restricted to a one-unit dwelling.
  • Must be suitable for year-round occupancy.
  • Cash-Out transactions are not permitted
  • The borrower(s) must have exclusive control over the property.
  • Gifts not permitted

INVESTOR – FLORIDA NO TAX RETURN MORTGAGE LENDERS 

  • Occupancy designation when the borrower does not occupy the subject property.
  • A Non Owner Occupied property must meet the following requirements:

Cash-Out and Debt Consolidation transactions are not permitted

bad credit mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property.

The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties.

  • Gifts not permitted

Alt Doc – 12 or 24 months personal or business bank stmts or 1099’s (self employed only) ● Alt Doc – Rental income qualified by lease agreements 

PROPERTY TYPES ALLOWABLE BY FLORIDA NO TAX RETURN MORTGAGE LENDERS

Eligible: Single Family Residences1-4 Units (3-4 Units NOO Only), PUDs*, Townhouses, Condominiums (Warrantable Only)

*PUDs- New PUDs/Subdivisions must be at least 60% sold or under bonafide contract. The PUD questionnaire must be included with submission. • Maximum

LTV of 80% for new PUDs

Ineligible: • Acreage greater than 10 acres (appraisal must include total acreage) • Agricultural/Rural zoned property • Condo hotel • Co-ops • Hobby Farms •

Income producing properties with acreage • Leaseholds • Log Homes • Manufactured housing • Mixed use properties • Modular homes • Non-Warrantable

Condos • Properties subject to oil and/or gas leases • Unique properties • Working farms, ranches or orchards.

Fannie Mae eligible projects: No Tax Return mortgage lenders. project exposure maximum shall be $3,000,000 or 15% of the project whichever is lower • Borrower

project/Unit concentration limit: two (2) units • Project meets all FNMA Insurance requirements for property, liability and fidelity coverage • Borrower must carry

H06 coverage for replacement of such items as flooring, wall covering, cabinets, fixtures, built-ins and any improvements made to the unit • The Condo Project

Questionnaire must be completed, including all the required documentation from the questionnaire including: CCR, Articles of Incorporation, By-Laws, Master

Insurance Policy, Budget / Balance Sheet & HOA questionnaire .• All projects are subject to full review and approval.

No Tax Return Condos – 70% Maximum LTV

No Tax Return Condos – 50% Maximum LTV

Purchase • No property flipping, prior owners must have owned the property greater than 6 months. (Bank owned REO are eligible and not considered a flip transaction).

  • Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80.

CASHOUT – FLORIDA NO TAX RETURN MORTGAGE LENDERS

  • A Cash-Out Refinance transaction allows the borrower to pay off the existing mortgage by obtaining new financing secured by the same property or allows the property owner obtain a mortgage on a property that is currently owned free and clear. The borrower can receive funds at closing as long as they do not exceedthe program requirements.
  • To be eligible for a Cash-Out Refinance the borrower must have owned the property for a minimum of six months prior to the application date. Properties listed for sale within the last 12 months are ineligible for cash out.
  • If the property is owned less than 12 months but greater than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original purchase price plus documented improvements, or current appraised value. The prior HUD-1 will be required for proof of purchase price.

RATE TERM – NO TAX RETURN MORTGAGE REFINANCE 

  • A Rate/Term Refinance transaction is when the new loan amount is limited to the payoff of the present first lien mortgage, any seasoned non-first lien mortgages, closing costs and prepays, or a court ordered buyout settlement.
  • A seasoned non-first lien mortgage is a purchase money mortgage or a closed end or HELOC mortgage that has been in place for more than 12 months (and/or not having any draws greater than $2,000 in the past 12 months for HELOC’s. Withdrawal activity must be documented with a transaction history from the HELOC).
  • Limited cash to the borrower must not be greater than 1% of the principal amount of the new mortgage to be considered a Rate/Term refinance.
  • If the property is owned less than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original purchase price plus improvements or current appraised value. The prior HUD-1 will be required for proof of purchase price. Proof of improvements is required.
  • There is no waiting period if the lender documents that the borrower acquired the property through an inheritance or was legally awarded the property (divorce, separation, or dissolution of a domestic partnership). If the borrower acquired the property at any time as a gift, award, inheritance or other non-purchase transaction, the LTV will be based on the current appraised value. The lender must obtain appropriate documentation to verify the acquisition and transfer of ownership.
  • Follow FNMA for Delayed Financing guidelines.
  • Properties that have been listed for sale within the past 6 months from the loan application date are not eligible for a rate/term refinance transaction.
  • The rate/term refinance of a construction loan is eligible with the following conditions:
  • If the lot was acquired 12 or more months before applying for the subject loan, the LTV/CLTV/HCLTV is based on the current appraised value of the property.
  • If the lot was acquired less than 12 months before applying for the construction financing, the LTV/CLTV/HCLTV is based on the lesser of i) the current appraised value of the property and ii) the total acquisition costs.

NO TAX RETURN CASHOUT DEBT CONSOLIDATION REFINANCE 

  • A debt consolidation refinance transaction involves the repayment of an existing lien and other borrower debt from the proceeds of a new mortgage. A debt consolidation refinance may include the payoff of:

o First mortgage secured by the subject property.

o Junior liens secured by the subject property.

o Credit cards, installment loans, past due taxes, etc.

  • Direct evidence of debt payment at closing is required.
  • Borrower must own property for a minimum of 12 months
  • Loan must produce a net tangible benefit to the borrower resulting in an increase in residual income and a reduction of borrower’s total debt obligation payments.
  • Existing subordination not permitted.
  • Cash to borrower at closing must not exceed 2% of the loan amount.

RESERVE REQUIRED BY FLORIDA NO TAX RETURN MORTGAGE LENDERS 

  • Non-Occupant Co-Borrower: An additional 6 months reserves is required
  • First Time Home Buyers: Minimum of 6 months PITI reserves required
  • Interest Only loans require a minimum of 12 months reserves
  • Occupancy Maximum Loan Amount Reserves
  • O/O
  • $250,000 3 Months
  • $500,000 6 months
  • $1,000,000 9 Months
  • $2,000,000 12 Months
  • $2,500,000 18 Months
  • O/O Debt
  • Consolidation $2,000,000 2 Months
  • bad credit mortgage applicants with greater than 2 financed properties require 9 months or otherwise stated higher reserve amount above and an additional 3 months of reserves for each additional financed property. The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties. For primary residence transactions, this requirement can be waived for bad credit mortgage applicants who have a minimum 18 months reserves on the primary residence.

Occupancy Maximum Loan Amount Reserves

Second Home $2,000,000 12 Months

Second Home Debt Consolidation

$2,000,000 2 Months

  • bad credit mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional

reserves are based on the PITI plus HOA fees of the other financed properties.

Occupancy Maximum Loan Amount Reserves

Non-Owner $1,500,000 12 Months

  • bad credit mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional

reserves are based on the PITI plus HOA fees of the other financed properties

Cash-out permitted to meet reserve requirements if loan-to-value is 5% below the matrix maximum LTV/CLTV and a minimum 680 representative FICO score

DELAYED FINANCING BY FLORIDA NO TAX RETURN MORTGAGE LENDERS 

Cash-out on properties purchased by the borrower with cash and owned less than 6 months is allowed. The following requirements apply:

  • Original transaction was an arm’s-length transaction
  • Settlement statement from purchase confirms no mortgage financing used to acquire subject
  • Source of funds used for purchase documented (gift funds may not be included)
  • New loan amount can be no more than the actual documented amount of the borrower’s initial investment in purchasing the property plus the

financing of closing costs, prepaid fees, and points on the new mortgage loan

  • All other cash-out refinance eligibility requirements must be met

SELF-EMPLOYED REQUIRED FOR FLORIDA NO TAX RETURN MORTGAGE LENDERS 

bad credit mortgage applicants with Separated Business and Personal Accounts

Using Personal Bank Statements to Qualify

Business license (if available – depending on nature of business)

Letter from a Licensed Tax Professional certifying profession & self-employment in same line of business for a min of 2 years & ownership

percentage

Most recent 12 months personal bank statements – Utilize 12 months average deposits to qualify (minus disqualified/unrelated deposits)

Most recent 3 months business bank statements – Demonstrate transfers from business to personal bank account statements provided

bad credit mortgage applicants must own a minimum of 25% of business to be considered Self-Employed, for use of personal of personal bank statements.

Qualifying income may not exceed the income indicated on the initial 1003.

Using Business Bank Statements to Qualify

Business license (if available – depending on nature of business)

Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the borrower is

100% owner of the business – For use of Business Bank Statements/P&L for bad credit mortgage applicants who own less than 100% but more than or equal to 80%, a

letter is required from each other owner of the business stating the borrower has full access to the business funds. Less than 80% ownership will

require exception approval for use of Business Bank Statements/P&L

Most recent 12 months business bank statements.

12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)

o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross

Revenue)

o Borrower to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business

o P&L is not Audited by Licensed Tax Professional

o P&L must be signed by the preparer and borrower

Qualifying income may not exceed the income indicated on the initial 1003.

bad credit mortgage applicants with Personal Accounts (Co-mingled for business & personal use)

Business license (if available – depending on nature of business)

Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the borrower is 100% owner of the business – For use of Business Bank Statements/P&L for bad credit mortgage applicants who own less than 100% but more than or equal to 80%, a  letter is required from each other owner of the business stating the borrower has full access to the business funds. Less than 80% ownership will require exception approval for use of Business Bank Statements/P&L

Most recent 12 months personal bank statements. 12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)

o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross Revenue)

o Borrower to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business
o P&L is not Audited by Licensed Tax Professional
o P&L must be signed by the preparer and borrower Qualifying income may not exceed the income indicated on the initial 1003.Other sources of income Other sources of income must be verified in accordance with Appendix Q of Regulation Z regarding income

www.Florida-Mortgage-Lenders.com

STATED FLORIDA MORTGAGE LENDERS SUBMISSION PACKAGE CHECKLIST
INITIAL DOCUMENTATION CHECKLIST
1. Loan Application
2. Strategy Letter
3. Investor Experience & Portfolio
4. Credit Card Authorization Form
5. Bank Statements - 2 months most recent (all pages with name & account # visible)
6. Copy of Photo ID
7. LLC / Corporation Documentation (if holding title in entity)
a. Articles of Organization / Incorporation
b. Operating Agreement / Bylaws
8. Specific Transaction Documents
a. If purchase transaction – fully executed, valid purchase contract
b. If refinance transaction – payoff demand or mortgage statement
9. If property requires rehab – provide rehab bid/itemized list of work w/ associated costs
10. If property is currently leased, provide:
a. Executed lease agreement(s)
b. Rent roll and P&L statement for subject property (if multi-family)


FLORIDA MORTGAGE LENDERS.COM STATED INCOME INVESTOR LOANS CONTINUED:

Today's Florida real estate market provides investors with a unique opportunity to buy properties at an attractive price and enjoys substantial returns on the investment. Low-priced distressed or investor-owned properties provide even greater bargains, and an ample supply of these Florida homes has encouraged many Florida investors to purchase and rehabilitate foreclosures around Florida.

 The Florida real estate market is not without its difficulties, particularly when it comes to securing investor Florida mortgage loans. Florida real estate Investors with a strong history of investment in the Florida real estate market, significant cash reserves and a solid credit history might encounter strict lending criteria when shopping Florida mortgage lenders.

At Florida mortgage lenders .com , we work strictly with Florida real estate investors to arrange the most affordable and accessible investor mortgage loans. With a broader selection of the Florida real estate investor loans and the flexible terms that make these Florida mortgages more attractive to more Florida mortgage applicants, Florida mortgage lenders .com has the tools to help Florida investors achieve the financing they need for a successful investment.


CHALLENGES WITH MOST STATED INCOME FLORIDA MORTGAGE LENDERS:

Florida real estate Investors have recognized today's foreclosure picture as a prime opportunity to turn these distressed multifamily homes into a successful investing opportunity. At the same time, many of these Florida real estate investors have encountered difficulties when applying for Florida investor loans.

For example, Florida investor mortgage eligibility requirements have become ever-more stringent investors, as many banks look to avoid the poor lending habits that led to the economic housing crash. Subsequently, securing flexible conventional loans with many Florida mortgage lenders has become more challenging. Most Florida mortgage lenders limiting how much can be borrowed and restricting the type of income investors can use for mortgage qualifying. 

As a result of these tight investor loan guidelines, the investor segment of the Florida mortgage market remains underserved by major national mortgage lenders. While these Florida investors may be prepared to make the significant purchases that can help rebound the Florida real estate market. However,  their inability to secure Florida investor mortgage loans holds back their progress.


FLORIDA MORTGAGE LENDERS OFFERS STATED INCOME INVESTOR LOANS

At Florida mortgage lenders.com, we have developed expanded Florida investor programs that reach out to those seeking to take advantage of the Florida real estate market. 

You can secure Florida investor loans from Florida mortgage lender.com that will provide you greater liberty as you pursue your Florida investment opportunities. Our Florida real estate investor loans are ideal for professional real estate investors that need to finance multiple homes or those who want to defer the costs of performing non-structural maintenance on a rehab property.

In addition, our Florida real estate investor loans are ideal for the self-employed individuals , who often find it difficult to secure investor financing in today’s tight lending environment. As a result, many of these Florida investors are paid on an irregular basis, from multiple inconsistent income sources; other Florida mortgage lenders might make it difficult for them to achieve loan approval.

At Florida Mortgage Lenders.com we understand the battles of the independent Florida real estate investor, and we work to find affordable and flexible Florida investor mortgage options that can allow many of these investors to qualify for financing using self-employed income, rental and W-2 income.


FLORIDA MORTGAGE LENDERS.COM –INVESTOR LOANS

Florida mortgage lenders.com has received attention for lending practices that open doors to Florida real estate investors. We connect Florida real estate investors with affordable Florida investor’s loan.  

Our Florida real estate investor loans are for serious Florida real estate investors - those who might have up to 20 other Florida homes financed and who require expanded debt-to-assets ratios and greater income documentation options. Talk to a Florida mortgage lenders.com specialist to determine how you can borrow up to $750,000 on a Florida investment property at competitive Florida mortgage interest rates.

3.5% BOCA FLORIDA MORTGAGE LENDERS   Hits: 538
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HOPEWELL GARDENS FL MORTGAGE LENDERS   Hits: 451
HOPEWELL, HILLSBOROUGH COUNTY FL MORTGAGE LENDERS   Hits: 383
HOPEWELL, MADISON COUNTY FL MORTGAGE LENDERS   Hits: 451
HORIZON WEST FL MORTGAGE LENDERS   Hits: 476
HOSFORD FL MORTGAGE LENDERS   Hits: 468
HOWARD FL MORTGAGE LENDERS   Hits: 460
HUDSON BEACH FL MORTGAGE LENDERS   Hits: 839
HULL FL MORTGAGE LENDERS   Hits: 450
HUNTER'S CREEK FL MORTGAGE LENDERS   Hits: 433
HUNTINGTON, MARION COUNTY FL MORTGAGE LENDERS   Hits: 451
HUNTINGTON, PUTNAM COUNTY FL MORTGAGE LENDERS   Hits: 423
HYPOLUXO FL MORTGAGE LENDERS   Hits: 521
IAMONIA FL MORTGAGE LENDERS   Hits: 463
INDIALANTIC FL MORTGAGE LENDERS   Hits: 474
INDIAN LAKE ESTATES FL MORTGAGE LENDERS   Hits: 449
INDIAN MOUND VILLAGE FL MORTGAGE LENDERS   Hits: 440
INDIANOLA FL MORTGAGE LENDERS   Hits: 444
INGLE FL MORTGAGE LENDERS   Hits: 507
INNERARITY POINT FL MORTGAGE LENDERS   Hits: 462
INTERCESSION CITY FL MORTGAGE LENDERS   Hits: 431
IOLEE FL MORTGAGE LENDERS   Hits: 541
IRVINE FL MORTGAGE LENDERS   Hits: 580
ISLAND GROVE FL MORTGAGE LENDERS   Hits: 535
ISLANDIA FL MORTGAGE LENDERS   Hits: 520
ISLEWORTH FL MORTGAGE LENDERS   Hits: 527
ITALIA FL MORTGAGE LENDERS   Hits: 605
JACKSONVILLE FL MORTGAGE LENDERS   Hits: 612
JEROME FL MORTGAGE LENDERS   Hits: 486
JEWFISH FL MORTGAGE LENDERS   Hits: 516
JONESVILLE FL MORTGAGE LENDERS   Hits: 464
JOSHUA FL MORTGAGE LENDERS   Hits: 456
JULINGTON CREEK PLANTATION FL MORTGAGE LENDERS   Hits: 426
JUNO BEACH FL MORTGAGE LENDERS   Hits: 520
JUPITER FL MORTGAGE LENDERS   Hits: 592
KALAMAZOO FL MORTGAGE LENDERS   Hits: 454
KENANSVILLE FL MORTGAGE LENDERS   Hits: 415
KENDALL FL MORTGAGE LENDERS   Hits: 483
KENDALL WEST FL MORTGAGE LENDERS   Hits: 523
KENT FL MORTGAGE LENDERS   Hits: 524
KEY BISCAYNE FL MORTGAGE LENDERS   Hits: 525
KEY HAVEN FL MORTGAGE LENDERS   Hits: 455
KEY WEST FL MORTGAGE LENDERS   Hits: 784
KEYSVILLE FL MORTGAGE LENDERS   Hits: 475
KILLARNEY FL MORTGAGE LENDERS   Hits: 467
KINARD FL MORTGAGE LENDERS   Hits: 459
KINGS FERRY FL MORTGAGE LENDERS   Hits: 422
KISSIMMEE FL MORTGAGE LENDERS   Hits: 540
KNIGHTS FL MORTGAGE LENDERS   Hits: 497
KORONA FL MORTGAGE LENDERS   Hits: 448
LABELLE FL MORTGAGE LENDERS   Hits: 535
LADY LAKE FL MORTGAGE LENDERS   Hits: 484
LAKE ALFRED FL MORTGAGE LENDERS   Hits: 464
LAKE BUTLER, ORANGE COUNTY FL MORTGAGE LENDERS   Hits: 528
LAKE COMO FL MORTGAGE LENDERS   Hits: 405
LAKE FERN FL MORTGAGE LENDERS   Hits: 451
LAKE GENEVA FL MORTGAGE LENDERS   Hits: 435
LAKE HART FL MORTGAGE LENDERS   Hits: 423
LAKE MARY FL MORTGAGE LENDERS   Hits: 515
LAKE MARY JANE FL MORTGAGE LENDERS   Hits: 517
LAKE MONROE FL MORTGAGE LENDERS   Hits: 426
LAKE PARK FL MORTGAGE LENDERS   Hits: 626
LAKE SUZY FL MORTGAGE LENDERS   Hits: 450
LAKE TALLAVANA FL MORTGAGE LENDERS   Hits: 452
LAKE WALES FL MORTGAGE LENDERS   Hits: 493
LAKE WORTH FL MORTGAGE LENDERS   Hits: 565
LAKELAND FL MORTGAGE LENDERS   Hits: 523
LAKEPORT FL MORTGAGE LENDERS   Hits: 477
LAKESHORE FL MORTGAGE LENDERS   Hits: 402
LAKEWOOD FL MORTGAGE LENDERS   Hits: 462
LAKEWOOD RANCH FL MORTGAGE LENDERS   Hits: 675
LAMONT FL MORTGAGE LENDERS   Hits: 506
LANARK VILLAGE FL MORTGAGE LENDERS   Hits: 456
LANIER FL MORTGAGE LENDERS   Hits: 423
LANSING FL MORTGAGE LENDERS   Hits: 433
LANTANA FL MORTGAGE LENDERS   Hits: 585
LARGO FL MORTGAGE LENDERS   Hits: 593
LAUDERDALE BY THE SEA FL MORTGAGE LENDERS   Hits: 451
LAUDERHILL FL MORTGAGE LENDERS   Hits: 590
LEESBURG FL MORTGAGE LENDERS   Hits: 548
LEMON BLUFF FL MORTGAGE LENDERS   Hits: 535
LEONARDS FL MORTGAGE LENDERS   Hits: 449
LESSIE FL MORTGAGE LENDERS   Hits: 477
LETO FL MORTGAGE LENDERS   Hits: 513
LIGHTHOUSE POINT FL MORTGAGE LENDERS   Hits: 480
LILLIBRIDGE FL MORTGAGE LENDERS   Hits: 500
LINDEN FL MORTGAGE LENDERS   Hits: 422
LITHIA FL MORTGAGE LENDERS   Hits: 465
LITTLE LAKE CITY FL MORTGAGE LENDERS   Hits: 551
LLOYD FL MORTGAGE LENDERS   Hits: 476
LOCHLOOSA FL MORTGAGE LENDERS   Hits: 435
LONGBOAT KEY FL MORTGAGE LENDERS   Hits: 530
LONGWOOD FL MORTGAGE LENDERS   Hits: 448
LORIDA FL MORTGAGE LENDERS   Hits: 476
LOTTIEVILLE FL MORTGAGE LENDERS   Hits: 456
LOWELL FL MORTGAGE LENDERS   Hits: 509
LOXAHATCHEE FL MORTGAGE LENDERS   Hits: 538
LUDLAM FL MORTGAGE LENDERS   Hits: 434
LULU FL MORTGAGE LENDERS   Hits: 465
MABEL FL MORTGAGE LENDERS   Hits: 482
MAITLAND FL MORTGAGE LENDERS   Hits: 515
MARCO ISLAND FL MORTGAGE LENDERS   Hits: 467
MARGATE FL MORTGAGE LENDERS   Hits: 510
MARION OAKS FL MORTGAGE LENDERS   Hits: 475
MARTIN FL MORTGAGE LENDERS   Hits: 450
MARYSVILLE FL MORTGAGE LENDERS   Hits: 461
MAYTOWN FL MORTGAGE LENDERS   Hits: 447
MCALPIN FL MORTGAGE LENDERS   Hits: 449
MCDAVID FL MORTGAGE LENDERS   Hits: 491
MCNEAL FL MORTGAGE LENDERS   Hits: 472
MCRAE FL MORTGAGE LENDERS   Hits: 463
MEADOWBROOK TERRACE FL MORTGAGE LENDERS   Hits: 418
MEADOWCREST FL MORTGAGE LENDERS   Hits: 451
MEDART FL MORTGAGE LENDERS   Hits: 472
MELBOURNE BEACH FL MORTGAGE LENDERS   Hits: 493
MELBOURNE FL MORTGAGE LENDERS   Hits: 524
MELBOURNE SHORES FL MORTGAGE LENDERS   Hits: 491
MELROSE FL MORTGAGE LENDERS   Hits: 539
MERIDIAN FL MORTGAGE LENDERS   Hits: 468
MIAMI FL CONDO MORTGAGE LENDERS   Hits: 505
MIAMI FL MORTGAGE LENDERS   Hits: 629
MICCOSUKEE FL MORTGAGE LENDERS   Hits: 498
MIDWAY, SANTA ROSA COUNTY FL MORTGAGE LENDERS   Hits: 448
MIKESVILLE FL MORTGAGE LENDERS   Hits: 415
MILES CITY FL MORTGAGE LENDERS   Hits: 477
MILLIGAN FL MORTGAGE LENDERS   Hits: 539
MILLVILLE FL MORTGAGE LENDERS   Hits: 458
MILTON FL MORTGAGE LENDERS   Hits: 516
MINNEOLA FL MORTGAGE LENDERS   Hits: 471
MIRAMAR FL MORTGAGE LENDERS   Hits: 763
MONKEY BOX FL MORTGAGE LENDERS   Hits: 612
MOUNT DORA FL MORTGAGE LENDERS   Hits: 635
MOUNT PLEASANT FL MORTGAGE LENDERS   Hits: 446
MOUNTAIN LAKE FL MORTGAGE LENDERS   Hits: 437
MUCE FL MORTGAGE LENDERS   Hits: 683
MYAKKA CITY FL MORTGAGE LENDERS   Hits: 460
NALCREST FL MORTGAGE LENDERS   Hits: 460
NAPLES FL MORTGAGE LENDERS   Hits: 607
NARCOOSSEE FL MORTGAGE LENDERS   Hits: 433
NASSAUVILLE FL MORTGAGE LENDERS   Hits: 438
NAVARRE BEACH FL MORTGAGE LENDERS   Hits: 500
NAVARRE FL MORTGAGE LENDERS   Hits: 828
NEALS FL MORTGAGE LENDERS   Hits: 442
NEPTUNE BEACH FL MORTGAGE LENDERS   Hits: 502
NEW HOPE FL MORTGAGE LENDERS   Hits: 487
NEW PORT RICHEY FL MORTGAGE LENDERS   Hits: 667
NEW SMYRNA BEACH FL MORTGAGE LENDERS   Hits: 516
NEWPORT, MONROE COUNTY FL MORTGAGE LENDERS   Hits: 424
NEWPORT, WAKULLA COUNTY FL MORTGAGE LENDERS   Hits: 408
NICEVILLE FL MORTGAGE LENDERS   Hits: 465
NICHOLS FL MORTGAGE LENDERS   Hits: 425
NOCATEE, DESOTO COUNTY FL MORTGAGE LENDERS   Hits: 403
NOCATEE, ST. JOHNS COUNTY FL MORTGAGE LENDERS   Hits: 543
NON WARRANTABLE CONDO LENDERS FLORIDA Written by admin Hits: 601
NORTH MEADOWBROOK TERRACE FL MORTGAGE LENDERS   Hits: 423
NORTH MIAMI BEACH FL MORTGAGE LENDERS   Hits: 495
NORTH NAPLES FL MORTGAGE LENDERS   Hits: 433
NORTH PORT FL MORTGAGE LENDERS   Hits: 500
NORTH RUSKIN FL MORTGAGE LENDERS   Hits: 449
NOWATNEY FL MORTGAGE LENDERS   Hits: 404
O'BRIEN FL MORTGAGE LENDERS   Hits: 395
O'NEIL FL MORTGAGE LENDERS   Hits: 379
OAK RIDGE FL MORTGAGE LENDERS   Hits: 444
OAKLAND PARK FL MORTGAGE LENDERS   Hits: 392
OCALA FL MORTGAGE LENDERS   Hits: 513
OCEAN RIDGE FL MORTGAGE LENDERS   Hits: 459
OCHEESEE LANDING FL MORTGAGE LENDERS   Hits: 408
OCHEESEULGA FL MORTGAGE LENDERS   Hits: 405
OCHLOCKONEE FL MORTGAGE LENDERS   Hits: 398
OCHOPEE FL MORTGAGE LENDERS   Hits: 426
OCKLAWAHA FL MORTGAGE LENDERS   Hits: 419
OCOEE FL MORTGAGE LENDERS   Hits: 586
OJUS FL MORTGAGE LENDERS   Hits: 404
OKEECHOBEE FL MORTGAGE LENDERS   Hits: 454
OKEELANTA FL MORTGAGE LENDERS   Hits: 439
OLD MYAKKA FL MORTGAGE LENDERS   Hits: 406
OLD TOWN FL MORTGAGE LENDERS   Hits: 411
OLDSMAR FL MORTGAGE LENDERS   Hits: 608
OLUSTEE FL MORTGAGE LENDERS   Hits: 450
ONA FL MORTGAGE LENDERS   Hits: 440
ONECO FL MORTGAGE LENDERS   Hits: 424
ORANGE BEND FL MORTGAGE LENDERS   Hits: 396
ORANGE LAKE FL MORTGAGE LENDERS   Hits: 574
ORANGE PARK FL MORTGAGE LENDERS   Hits: 544
ORANGE SPRINGS FL MORTGAGE LENDERS   Hits: 362
ORIENT PARK FL MORTGAGE LENDERS   Hits: 426
ORIOLE BEACH FL MORTGAGE LENDERS   Hits: 399
ORLANDO FL MORTGAGE LENDERS   Hits: 565
ORLO VISTA FL MORTGAGE LENDERS   Hits: 392
ORMOND BEACH FL MORTGAGE LENDERS   Hits: 410
ORTONA, GLADES COUNTY FL MORTGAGE LENDERS   Hits: 398
OSLO FL MORTGAGE LENDERS   Hits: 463
OSTEEN FL MORTGAGE LENDERS   Hits: 566
OVIEDO FL MORTGAGE LENDERS   Hits: 431
OXFORD FL MORTGAGE LENDERS   Hits: 455
OZELLO FL MORTGAGE LENDERS   Hits: 430
OZONA FL MORTGAGE LENDERS   Hits: 455
PAINTERS HILL FL MORTGAGE LENDERS   Hits: 427
PALATKA FL MORTGAGE LENDERS   Hits: 484
PALM BAY FL MORTGAGE LENDERS   Hits: 563
PALM BEACH FARMS FL MORTGAGE LENDERS   Hits: 414
PALM BEACH FL MORTGAGE LENDERS   Hits: 422
PALM BEACH GARDENS FL MORTGAGE LENDERS   Hits: 501
PALM HARBOR FL MORTGAGE LENDERS   Hits: 897
PALM RIVER FL MORTGAGE LENDERS   Hits: 381
PALMA SOLA FL MORTGAGE LENDERS   Hits: 440
PALMDALE FL MORTGAGE LENDERS   Hits: 409
PALMETTO FL MORTGAGE LENDERS   Hits: 472
PANACEA FL MORTGAGE LENDERS   Hits: 582
PANAMA CITY BEACH FL MORTGAGE LENDERS   Hits: 890
PANAMA CITY FL MORTGAGE LENDERS   Hits: 454
PARRISH FL MORTGAGE LENDERS   Hits: 610
PELICAN LAKE FL MORTGAGE LENDERS   Hits: 431
PEMBROKE PINES FL MORTGAGE LENDERS   Hits: 474
PENNICHAW FL MORTGAGE LENDERS   Hits: 444
PENSACOLA BEACH FL MORTGAGE LENDERS   Hits: 441
PENSACOLA FL MORTGAGE LENDERS   Hits: 487
PERDIDO KEY FL MORTGAGE LENDERS   Hits: 500
PETERS FL MORTGAGE LENDERS   Hits: 454
PICNIC FL MORTGAGE LENDERS   Hits: 410
PINE ISLAND, CALHOUN COUNTY FL MORTGAGE LENDERS   Hits: 454
PINE ISLAND, HILLSBOROUGH COUNTY FL MORTGAGE LENDERS   Hits: 349
PINECREST FL MORTGAGE LENDERS   Hits: 385
PINELLAS PARK FL MORTGAGE LENDERS   Hits: 687
PINEOLA FL MORTGAGE LENDERS   Hits: 565
PINETTA FL MORTGAGE LENDERS   Hits: 422
PLANT CITY FL MORTGAGE LENDERS   Hits: 499
PLANTATION FL MORTGAGE LENDERS   Hits: 584
POMPANO BEACH FL MORTGAGE LENDERS   Hits: 489
PONCE INLET FL MORTGAGE LENDERS   Hits: 404
PORT ORANGE FL MORTGAGE LENDERS   Hits: 465
PORT ST. LUCIE FL MORTGAGE LENDERS   Hits: 475
PUNTA GORDA FL MORTGAGE LENDERS   Hits: 548
RAINBOW LAKES ESTATES FL MORTGAGE LENDERS   Hits: 411
RED HEAD FL MORTGAGE LENDERS   Hits: 404
REDLAND FL MORTGAGE LENDERS   Hits: 406
RESTON FL MORTGAGE LENDERS   Hits: 378
RIDGECREST FL MORTGAGE LENDERS   Hits: 424
RIO PINAR FL MORTGAGE LENDERS   Hits: 390
ROCHELLE FL MORTGAGE LENDERS   Hits: 414
ROCK HARBOR FL MORTGAGE LENDERS   Hits: 429
ROCKLEDGE FL MORTGAGE LENDERS   Hits: 468
ROCKY CREEK FL MORTGAGE LENDERS   Hits: 407
ROLLINS CORNER FL MORTGAGE LENDERS   Hits: 400
ROSEMARY BEACH FL MORTGAGE LENDERS   Hits: 440
ROTONDA WEST FL MORTGAGE LENDERS   Hits: 417
ROUND LAKE FL MORTGAGE LENDERS   Hits: 418
ROYAL PALM BEACH FL MORTGAGE LENDERS   Hits: 397
RUNYON FL MORTGAGE LENDERS   Hits: 426
RUTLAND FL MORTGAGE LENDERS   Hits: 481
SAFETY HARBOR FL MORTGAGE LENDERS   Hits: 518
SALEM FL MORTGAGE LENDERS   Hits: 455
SALT SPRINGS FL MORTGAGE LENDERS   Hits: 412
SAMPSON CITY FL MORTGAGE LENDERS   Hits: 401
SAN CASTLE FL MORTGAGE LENDERS   Hits: 400
SAN MATEO FL MORTGAGE LENDERS   Hits: 456
SANDERSON FL MORTGAGE LENDERS   Hits: 380
SANFORD FL MORTGAGE LENDERS   Hits: 499
SANIBEL FL MORTGAGE LENDERS   Hits: 420
SANLANDO SPRINGS FL MORTGAGE LENDERS   Hits: 414
SANTA MONICA FL MORTGAGE LENDERS   Hits: 407
SANTA ROSA BEACH FL MORTGAGE LENDERS   Hits: 432
SARASOTA FL MORTGAGE LENDERS   Hits: 756
SATELLITE BEACH FL MORTGAGE LENDERS   Hits: 575
SATSUMA FL MORTGAGE LENDERS   Hits: 394
SCOTLAND FL MORTGAGE LENDERS   Hits: 432
SCOTTOWN FL MORTGAGE LENDERS   Hits: 421
SCOTTS FERRY FL MORTGAGE LENDERS   Hits: 427
SCOTTSMOOR FL MORTGAGE LENDERS   Hits: 433
SEACREST FL MORTGAGE LENDERS   Hits: 432
SEASIDE FL MORTGAGE LENDERS   Hits: 450
SEASIDE FL MORTGAGE LENDERS   Hits: 425
SEBASTIAN FL MORTGAGE LENDERS   Hits: 632
SELMAN FL MORTGAGE LENDERS   Hits: 421
SENYAH FL MORTGAGE LENDERS   Hits: 407
SEWALL'S POINT FL MORTGAGE LENDERS   Hits: 387
SHADEVILLE FL MORTGAGE LENDERS   Hits: 382
SHADY GROVE, JACKSON COUNTY FL MORTGAGE LENDERS   Hits: 410
SHADY GROVE, TAYLOR COUNTY FL MORTGAGE LENDERS   Hits: 369
SHALIMAR FL MORTGAGE LENDERS   Hits: 450
SHELL POINT FL MORTGAGE LENDERS   Hits: 415
SILVER PALM FL MORTGAGE LENDERS   Hits: 424
SILVER SPRINGS FL MORTGAGE LENDERS   Hits: 454
SLAVIA FL MORTGAGE LENDERS   Hits: 404
SOUTHFORT FL MORTGAGE LENDERS   Hits: 382
SOUTHPORT FL MORTGAGE LENDERS   Hits: 397
SPARR FL MORTGAGE LENDERS   Hits: 433
SPRING LAKE, HIGHLANDS COUNTY FL MORTGAGE LENDERS   Hits: 408
SPUDS FL MORTGAGE LENDERS   Hits: 420
ST. AUGUSTINE BEACH FL MORTGAGE LENDERS   Hits: 408
ST. AUGUSTINE FL MORTGAGE LENDERS   Hits: 412
ST. CATHERINE FL MORTGAGE LENDERS   Hits: 433
ST. CLOUD FL MORTGAGE LENDERS   Hits: 658
ST. HEBRON FL MORTGAGE LENDERS   Hits: 391
ST. JOHN FL MORTGAGE LENDERS   Hits: 467
ST. JOHNS FL MORTGAGE LENDERS   Hits: 421
ST. JOSEPH, PASCO COUNTY FL MORTGAGE LENDERS   Hits: 449
ST. PETE BEACH FL MORTGAGE LENDERS   Hits: 461
ST. PETERSBURG FL MORTGAGE LENDERS   Hits: 473
ST. TERESA FL MORTGAGE LENDERS   Hits: 412
STOCK ISLAND FL MORTGAGE LENDERS   Hits: 398
STUART FL MORTGAGE LENDERS   Hits: 629
SUGARLOAF SHORES FL MORTGAGE LENDERS   Hits: 411
SUMATRA FL MORTGAGE LENDERS   Hits: 423
SUMMERFIELD FL MORTGAGE LENDERS   Hits: 503
SUMMERLAND KEY FL MORTGAGE LENDERS   Hits: 412
SUMNER FL MORTGAGE LENDERS   Hits: 412
SUMTERVILLE FL MORTGAGE LENDERS   Hits: 451
SUN 'N LAKE OF SEBRING FL MORTGAGE LENDERS   Hits: 472
SUN CITY FL MORTGAGE LENDERS   Hits: 470
SUNNY HILLS FL MORTGAGE LENDERS   Hits: 403
SUNNYSIDE FL MORTGAGE LENDERS   Hits: 448
SUNSET POINT FL MORTGAGE LENDERS   Hits: 420
SUNTREE FL MORTGAGE LENDERS   Hits: 481
SURFSIDE FL MORTGAGE LENDERS   Hits: 406
SUWANNEE FL MORTGAGE LENDERS   Hits: 413
SVEA FL MORTGAGE LENDERS   Hits: 441
SWEET GUM HEAD FL MORTGAGE LENDERS   Hits: 456
SWEETWATER CREEK FL MORTGAGE LENDERS   Hits: 437
SWEETWATER, HARDEE COUNTY FL MORTGAGE LENDERS   Hits: 419
SWITZERLAND FL MORTGAGE LENDERS   Hits: 409
SYDNEY FL MORTGAGE LENDERS   Hits: 429
TAFT FL MORTGAGE LENDERS   Hits: 495
TAINTSVILLE FL MORTGAGE LENDERS   Hits: 494
TALLAHASSEE FL MORTGAGE LENDERS   Hits: 781
TALLEVAST FL MORTGAGE LENDERS   Hits: 479
TAMARAC FL MORTGAGE LENDERS   Hits: 615
TAMPA FL MORTGAGE LENDERS   Hits: 691
TANGELO PARK FL MORTGAGE LENDERS   Hits: 406
TARPON SPRINGS FL MORTGAGE LENDERS   Hits: 558
TARRYTOWN FL MORTGAGE LENDERS   Hits: 471
TAVARES FL MORTGAGE LENDERS   Hits: 559
TAVERNIER FL MORTGAGE LENDERS   Hits: 437
TELOGIA FL MORTGAGE LENDERS   Hits: 510
TEMPLE TERRACE FL MORTGAGE LENDERS   Hits: 435
TERRA CEIA FL MORTGAGE LENDERS   Hits: 416
THE ACREAGE FL MORTGAGE LENDERS   Hits: 402
THOMPSON FL MORTGAGE LENDERS   Hits: 402
TITUSVILLE FL MORTGAGE LENDERS   Hits: 634
TRAIL CENTER FL MORTGAGE LENDERS   Hits: 420
TREASURE ISLAND FL MORTGAGE LENDERS   Hits: 436
TRILACOOCHEE FL MORTGAGE LENDERS   Hits: 666
TRILBY FL MORTGAGE LENDERS   Hits: 481
TURKEY CREEK FL MORTGAGE LENDERS   Hits: 454
TWO EGG FL MORTGAGE LENDERS   Hits: 430
TYLER FL MORTGAGE LENDERS   Hits: 468
UNIVERSITY, ORANGE COUNTY FL MORTGAGE LENDERS   Hits: 429
UPTHEGROVE BEACH FL MORTGAGE LENDERS   Hits: 433
VALDEZ FL MORTGAGE LENDERS   Hits: 416
VALPARAISO FL MORTGAGE LENDERS   Hits: 418
VANDERBILT BEACH ESTATES FL MORTGAGE LENDERS   Hits: 443
VANDERBILT BEACH FL MORTGAGE LENDERS   Hits: 548
VENICE FL MORTGAGE LENDERS   Hits: 627
VENUS FL MORTGAGE LENDERS   Hits: 425
VERDIE FL MORTGAGE LENDERS   Hits: 396
VERMONT HEIGHTS FL MORTGAGE LENDERS   Hits: 486
VERO BEACH FL MORTGAGE LENDERS   Hits: 607
VERO LAKE ESTATES FL MORTGAGE LENDERS   Hits: 414
VIERA FL MORTGAGE LENDERS   Hits: 441
VIKING FL MORTGAGE LENDERS   Hits: 405
VINELAND FL MORTGAGE LENDERS   Hits: 461
VIRGINIA VILLAGE FL MORTGAGE LENDERS   Hits: 387
VOLUSIA FL MORTGAGE LENDERS   Hits: 534
WACISSA FL MORTGAGE LENDERS   Hits: 404
WADESBORO FL MORTGAGE LENDERS   Hits: 420
WAKULLA BEACH FL MORTGAGE LENDERS   Hits: 424
WALNUT HILL FL MORTGAGE LENDERS   Hits: 411
WANNEE FL MORTGAGE LENDERS   Hits: 402
WATERCOLOR FL MORTGAGE LENDERS   Hits: 579
WATERS LAKE FL MORTGAGE LENDERS   Hits: 450
WATERSOUND FL MORTGAGE LENDERS   Hits: 461
WAUKEENAH FL MORTGAGE LENDERS   Hits: 437
WEIRSDALE FL MORTGAGE LENDERS   Hits: 436
WELCOME FL MORTGAGE LENDERS   Hits: 424
WELLBORN FL MORTGAGE LENDERS   Hits: 476
WELLINGTON FL MORTGAGE LENDERS   Hits: 758
WEST KENDALL FL MORTGAGE LENDERS   Hits: 468
WEST MELBOURNE FL MORTGAGE LENDERS   Hits: 398
WEST PALM BEACH FL MORTGAGE LENDERS   Hits: 451
WESTCHESTER FL MORTGAGE LENDERS   Hits: 476
WESTON FL MORTGAGE LENDERS   Hits: 547
WHISPERING PINES FL MORTGAGE LENDERS   Hits: 412
WHITE CITY, GULF COUNTY FL MORTGAGE LENDERS   Hits: 429
WILBUR-BY-THE-SEA FL MORTGAGE LENDERS   Hits: 456
WILCOX FL MORTGAGE LENDERS   Hits: 420
WILCOX JUNCTION FL MORTGAGE LENDERS   Hits: 495
WILLIFORD FL MORTGAGE LENDERS   Hits: 438
WILLIS FL MORTGAGE LENDERS   Hits: 491
WILTON MANORS FL MORTGAGE LENDERS   Hits: 408
WINDSOR, ALACHUA COUNTY FL MORTGAGE LENDERS   Hits: 546
WINSTON FL MORTGAGE LENDERS   Hits: 469
WINTER GARDEN FL MORTGAGE LENDERS    
WINTER HAVEN FL MORTGAGE LENDERS    
WINTER PARK FL MORTGAGE LENDERS    
WINTER SPRINGS FL MORTGAGE LENDERS    
YELVINGTON FL MORTGAGE LENDERS   Hits: 573
YOUNGSTOWN FL MORTGAGE LENDERS   Hits: 473
ZELLWOOD FL MORTGAGE LENDERS   Hits: 510
ZUBER FL MORTGAGE LENDERS   Hits: 507

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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 "
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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 "
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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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