VA
A VA loan is a loan for a current or past Veteran. This loan type is 0% down with no monthly mortgage insurance and a fixed rate. This is one of the best loan types if you do qualify.

30 year Fixed
Fixed loan rate where principal and interest will never change for the life of the loan.

3% & 5% Down Conventional Financing

3% & 5% Down on a Conventional, 30 year Fixed Rate Mortgage.
Up Front Mortgage Insurance Premium w/ options. Monthly Mortgage Insurance is required. Mortgage Insurance is not required for the life of the loan like FHA. Mortgage Insurance is normally kept until the principal balance is at least 22% or less of the value of the home. Each loan varies.

Term: 30 years

New Construction

New Construction loans for VA, FHA, USDA and conventional.

Conventional: As little as 5% down, 1 x Close.

VA: 0% Down, 1 x Close: 30 year fixed rate loan.

FHA: 3.5% Down, 1 x Close : 30 year fixed rate loan.

Construction Only: for Residential and Commercial.

Builder Spec Construction, Commercial, etc.

Builder Line of Credit

USDA 100% Loan Guarantee- Better than FHA

This loan type is a 100% Loan program that has NO monthly MI (Mortgage Insurance), No Reserves, No Assets, Unlimited Gift Funds, No Score Requirement and more…. about 90% of Florida would qualify for this loan. Fixed Rates, No Prepayment Penalties, Conventional Low Rates. Excellent Program!!!

The Loan is based on 100% of the property value plus the 3.5% USDA fee. This fee is due to borrowing more than 80%.

FHA Loan 3.5% Down
FHA Loan Requires 3.5% down.

This loan type is only for your Primary Residence and requires Mortgage Insurance to be paid Monthly and a one time Upfront Mortgage Insurance Premium.

The loan is a great product for those that are looking for minimum down payment, has other investment properties, and would not qualify for 100% financing.

Term: 30 years

203K FHA Rehab Loan
These loans are for a currently owned home or to purchase a new home. Many homes on the market now are Foreclosures and need some type of work, whether a new roof, air condition, or more. This loan allows you to include all rehab into your loan and complete the list of repairs, additions, changes, etc. that need and want to be done. This loan can also be for adding an addition to your home. This is a FHA product so, there is mortgage insurance for the life of the loan. We can also refinance you out of this loan into a Conventional loan afterwards. The closing costs would more than out weight the monthly mortgage insurance for the life of the loan. For instance, if the mortgage insurance is $100.00 monthly that is $36,000.00 over the life of the loan for 30 years. If the closing costs are approximately $5,000.00, you would recoup this money in only 50 months. This is well worth it.

Renovation Loans (Conventional)

This Loan is Perfect for those who are looking to do some Re-Modeling and/or Additions. It is treated like a Construction Loan and a Refinance in one.

The Loan amount would be based on what the value of the home is after the project is completed.

This loan is for Primary Residence, Second/Vacation Homes and Investment Properties.

Investment: Fix & Flip programs also available with different guidelines.

15 Year Fixed
Pay off your Home in 15 years with a Fixed Rate Loan

Reverse Mortgage
A Reverse Mortgage is generally used by those who are retired so they may Travel and live life with the Equity they have gained in their home. There are no payments, closing within 30 days normally.

Good Neighbor Next Door
This loan is for Law Enforcement, Firefighters, EMT’s, and Teachers.
Save up to 50% on the purchase of a Hud owned home.

$100 Down
This is a FHA loan that is used to purchase a current HUD owned home.
A HUD owned home is a foreclosed home that had a FHA financing.

HARP – Refinance Loan Program
The HARP loan is for those with a current mortgage that is owned by Fannie Mae or Freddie Mac and value is less than the principal balance. You can refinance into a lower interest rate and save thousands of dollars through out your loan term. To see if your loan would qualify, check Fannie Mae & Freddie Mac at: Fannie Mae: https://knowyouroptions.com/loanlookup Freddie Mac: https://ww3.freddiemac.com/loanlookup/index.html Your loan does not have to be on your Primary Residence. This loan can be used for Primary Residence, 2nd Homes, and Investment Properties. New loan would still be a fixed rate. If you currently have Mortgage Insurance, that would continue. If you do not have mortgage insurance, you still would not have it. Even if your loan to value is 200%. (you owe 200% of your current value). No Appraisal is required.

Mobile/Manufactured Homes
Fixed Rate Mobile and Manufactured Home Loans. FHA financing is available.
Depending on your credit score, we can get your loan close to the normal Home Loan rates.
Hard Money Lenders as well.

Multi Family
Residential 1-4 unit Dwelling
Residential 4 plus dwellings

Investment Loans

• Investment Loans with normal rates
• Cash out available
• up to 10 properties financed
• regular fixed rate mortgage

Interest Only
Loan payment is Interest Only for a set term and than adjusts on the following payment.

Land Loan
Anywhere from under 1 acre up to 20+ acres These loan types normally require about 30% down. Minimum loan amount currently is $50,000 Interest Rates are higher on a land loan

2, 3, 5, and 7 year Arm Loans

Loan is fixed for a number of years and than adjusts at the beginning of the following month. This type of loan is good for those maybe planning on moving, selling, expecting the Equity in the home to increase or credit to get better in order to refinance in a couple of years.

Hard Money Loans
Low Scores or Bad Credit.

Hard Money loans can get you the Home you want. Whether the Property is not able to be financed Conventionally or you have credit issues to be resolved.

No Prepayment Penalty. 30 year Fixed Amortization.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.