florida

"Non-Prime / Sub-Prime”  Is Back" Let me Close your Conforming / Agency Fall Out Loans that were DENIED Due to the STRICT Guidelines since the 2008 Mortgage Lending Melt-Down!!!

 

***  No Prepayment Penalties on ANY Loans Except Investment with 2 Years   ***

***  All Programs Are 30 Year Fixed Product's With Investment Having 5 Year Balloon  ***

1.Non-Prime Program: (For those Borrowers that have had No Credit Issues the last 2 Years)

 24 Month Self Employed Bank Statement Program

                        (Perfect for ALL that Write-Off Everything!)

  • Non-Warrantable Condos. (No longer required to be FNMA warrantable)
  • Use middle FICO score of Primary Borrower.
  • Cash out up to $500,000, Loan Amounts to $1 Million.
  • Scores Starting at 500, 80% LTV’s as low as 580 Score and up to 50% DTI.
  • 12 Month Seasoning on BK, Foreclosure, Short Sale and Deed-In-Lieu.
  • Rates have Dropped as LOW AS 7.49%. 

 2.Recent Housing Event Program: (For those Borrowers that have had some Credit Issues the last 2 Years)

 1 Day out of Foreclosure, Short Sale and Deed-In-Lieu, No Seasoning.

  • No Seasoning of BK if Mortgage Included, otherwise 12 Months Seasoning for Primary Residence, 2nd Home 24 Months.
  • Non-Warrantable Condos. (No longer required to be FNMA warrantable)
  • Use middle FICO score of Primary Borrower.
  • Cash out up to $500,000, Loan Amounts to $1 Million.
  • Scores Starting at 500, 80% LTV’s as low as 580 Score and up to 50% DTI.
  • Jumbo Loans, O/O, Condo’s, 2nd Homes, Bank Statements and Non-Permanent Resident Aliens Allowed.
  • Rates have Dropped as LOW AS 7.99%.

3.Investment Property Program: (Including our Foreign National Fallout Program that The Major Foreign National Companies Turn-Down, which are Many)

1 Day out of Foreclosure, Short Sale and Deed-In-Lieu, No Seasoning.

  • No Seasoning of BK if Mortgage Included, otherwise 12 Months Seasoning.
  • 5 properties with AOF or a total of 20 properties regardless of the Lender.
  • Properties in LLC OK, Individual must be on the Note, LLC will be on Title.
  • Cash out up to $500,000, Loan Amounts to $1 Million.
  • Foreign National, Max 65% LTV,Scores down to 560, Funds Seasoned for 60 days, 30 days seasoning in U.S. Depository Institution, Very Few Country Restrictions,

                   No PPP +30 Fixed Rate.

 

Fast Consultation

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CREDIT REQUIREMENTS

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!

CLICK HERE
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