florida

25% DOWN - STATED FLORIDA INVESTOR LOANS

Florida Mortgage Lenders seeks to approve investment non-owner occupied loans that will be designated for business purposes only. All Florida stated mortgage applicants will be required to sign a Business Purpose & Occupancy Statement prior to close to declare that the property is, or will be, for commercial business or investment purpose only.

STATED FLORIDA INVESTOR LOAN PURPOSE

Borrower is financing the Florida properties solely for commercial purposes and is required to sign a Certification of Business Purpose/Non-Owner Occupied disclosure at closing attesting that the subject Florida property is not owner occupied and is owned solely for Florida investment purposes.

Additionally, the stated Florida investor is required to execute a business purpose and occupancy affidavit at loan application acknowledging that the loan is being obtained for a Florida business purpose only and the subject property is not to be occupied.

NO INCOME NO EMPLOYMENT/INCOME ANALYSIS

There is no employment verification or income analysis required for the Investor No-Income Program.

1STARTNOW

www.Florida-Mortgage-Lenders.com

FLORIDA STATED INVESTOR DOWNPAYMENT AND FICO

FICO         Purchase Rate            Term Cash out 

700+              25% Down              75%           70% 

640+              30% Down              70%           65% 

Foreign         30% Down              60%           60% 

ELIGIBLE PROPERTY TYPES FOR STATED FLORIDA INVESTOR LOANS

•   Single Family Residences, 1-4 units (Attached and Detached)

•   PUDs (Attached and Detached)

•   Warrantable and Non-Warrantable Condos

•   Townhouse

INELIGIBLE PROPERTY TYPES

•   Manufactured Homes

•   Condotels

•   Log Home

•   Hobby Farms

•   Mixed Use properties

•   Agriculturally Zoned

•   Rent Controlled

•   Section 8

•   Co-ops

•   Unique Properties

•   Properties with greater than 2 acres

DOWNPAYMENT REQUIRED BY STATED INVESTOR FLORIDA MORTGAGE LENDERS

Full Asset Documentation is required for purchase transactions to evidence sufficient funds to close. Assets must

be sourced or seasoned for 60 days.  For most asset types, this would include the most recent two months

statements or the most recent quarterly statement.

DEPOSITORY ACCOUNTS

Funds held in a checking, savings, money market, certificate of deposit, or other depository accounts can

be used for down payment, closing costs, and reserves

BUSINESS ACCOUNTS

•   Borrowing entity business accounts may be used.

•   Non-borrowing entity business account will only be permitted if the guarantor(s) constitute 100%

ownership of the business.

STOCKS, BONDS, AND MUTUAL FUNDS

Stocks/Bonds/Mutual Funds - 70% of the balance can be considered towards the borrower’s reserves.

RETIREMENT ACCOUNTS

• Vested Retirement Accounts – 60% of the balance can be considered towards the borrower’s

reserves.

•   If needed to close, verification that funds have been liquidated (if applicable) is required.

CONCESSIONS AND CONTRIBUTIONS

Interested Party Contributions permitted up to 2%.

GIFT FUNDS

No gift funds of any kind (cash or equity).

RESERVES

There is no reserve requirement for the Investor No-Income Program.

STATED FLORIDA INVESTOR LENDERS LOAN OPTIONS

The following loan products are available:

•   First Mortgage Lien

•   Non-Owner Occupied Only

•   3/1 & 5/1 LIBOR: (2/2/5 Cap Structure)

o Qualifying Rate: Qualify borrower(s) at the greater of the fully-indexed rate or Note Rate  

o Interest-Only Period:  10 Year Interest-Only Period 60 months

7/1 LIBOR: (5/2/5 Cap Structure)

o Qualifying Rate: Qualify borrower(s) at the greater of the fully-indexed rate or Note Rate  

o Interest-Only Period:  10 Year Interest-Only Period 120 months

30 Year Fixed Rate

o Qualifying Rate: Qualify borrower(s) at the Note Rate 

o Interest-Only Period:  10 Year Interest-Only Period 120 months

FLORIDA STATED INVESTOR LOAN TO VALUE AND FICO

FICO         Purchase Rate/Term Cash out 

700+          75%               75%           70% 

640+          70%               70%           65% 

Foreign     70%               60%           60% 

STATED INVESTOR FLORIDA LOAN AMOUNTS

•   Minimum - $100,000

•   Maximum - $2,000,000

Higher/lower loan amounts may be considered on a case-by-case basis.

FLORIDA STATED INVESTOR PURCHASE LOANS

• No Florida property flipping, prior owners must have owned the Florida property greater than 4 months (bank owned REO not considered a flip).

•   Interested Party Contributions permitted up to 2% maximum.

•   Non-Arm’s Length transactions are not permitted.

•   No Gifts of any kind (cash or equity).

FLORIDA STATED RATE AND TERM REFINANCE FOR INVESTORS OK!

•   A Rate/Term Refinance restricts cash to the borrower in an amount not to exceed the lower of (i)

2% of the principal amount of the new mortgage, or (ii) $2,000.

• If the property is owned less than 6 months at the time appraisal, the LTV/CLTV will be based on the

lesser of (i) the original purchase price plus documented improvements (if any) or (ii) current

appraised value. The purchase HUD-1 and any invoices for materials/labor will be required.

• For properties owned greater than 7 months but less than 12 months, the maximum LTV cannot

exceed 65% based on a current appraisal.

• Refinances in accordance with Fannie Mae Delayed Financing will be considered. Rate/Term and

will require the following:

o Purchase HUD-1

o Preliminary Title confirming no liens

o Source of purchase funds must be documented

FLORIDA STATED CASH OUT REFINANCE INVESTOR LENDERS

• If the Florida property is owned less than 6 months at time of appraisal, the LTV/CLTV will be based on the lesser of (i) the original purchase price plus documented improvements (if any) or (ii) current

appraised value. The purchase HUD-1 and any invoices for materials/labor will be required.

• For Florida properties owned greater than 7 months but less than 12 months, the maximum LTV cannot

exceed 65% based on a current appraisal.

•   No limit on the amount of Cash Out.

•   Cash Out >$200,000 max LTV is 60%.

•   Max LTV for Cash-Out properties cannot exceed 70%.

FLORIDA STATED INVESTOR LOANS MUST HAVE A PERSONAL GURANTY REQUIRED

Florida Mortgage lenders requires all its entity Florida stated mortgage applicants  to submit their loan application with a

guarantor subject to the following requirements:

•   The guarantor must be an individual person and not an entity.

• A guarantor is required to be a manager or majority owner (25% or greater) of the entity and

is subject to the same FICO and fraud checks as individual Florida stated mortgage applicants.

ENTITY IDENTITY REVIEW PROCESS FOR FLORIDA INVESTORS

Loan Stream Mortgage will review all entity documents to ensure the borrowing entity is duly formed with

full authority to conduct real estate transactional and borrowing activity as stated in their organizational

documents. Furthermore, Loan Stream Mortgage will ensure the individual signing on behalf of the borrowing

entity has the authority to bind the entity. Confirmation of good standing status must be reviewed on state

websites to ensure borrowing counterparties are current on all state taxes and fees. Any entity must be in

good standing and provide proper formation.

CREDIT REPORT REQUIREMENT FOR STATED FLORIDA INVESTOR LOANS

A tri-merged in file credit report from all three repositories is required for guarantor(s) and any majority

member of the borrowing entity.

• The applicable credit score is the middle of three scores provided for any borrower. If only two

credit score are obtained, the lesser of two will be used.

• When there are multiple Florida stated mortgage applicants /guarantors, the lowest applicable score from the group of

Florida stated mortgage applicants /guarantors is the representative credit score for qualifying.

•   Foreign Nationals without an ITN are not subject to FICO requirements.

MORTGAGE AND RENTAL PAYMENT VERIFICATION FOR STATED FLORIDA MORTGAGE APPLICANTS

•   Evidence of current home ownership required.

•   Primary housing history may not exceed 1X30 over prior 12 months.

• Investment property mortgage history may not exceed 1X60 over prior 12 months (purchase only

with a 5% LTV reduction).

• All mortgages and rental payments should be current at time of closing. If the credit report or

VOR/VOM reflects a past-due status, updated documentation is required to verify the account is

current.

COLLECTIONS AND CHARGE-OFFS FOR STATED FLORIDA MORTGAGE APPLICANTS

The following accounts may remain open:

•   Collections and charge-offs < 24 months old with a maximum cumulative balance of $2,000

•   Collections and charge-offs = 24 months old with a maximum of $2,500 per occurrence

•   Collections and charge-offs that have passed beyond the statute of limitation for that state

(supporting documentation required)

•   All medical collections

JUDGMENT AND TAX LIENS FOR STATED FLORIDA MORTGAGE APPLICANTS

•   All judgments or liens affecting title must be paid prior to closing.

•   Judgements and tax liens not affecting title may remain open.

BANKRUPTCY (ALL CHAPTERS)

•   All bankruptcies must be discharged at least 24 months prior to closing.

FORECLOSURE/SHORT SALE/DEED IN LIEU/NOTICE OF DEFAULT 

•   The above housing events must be completed at least 24 months prior to closing.

EMPLOYMENT/INCOME ANALYSIS FLORIDA STATED INVESTOR LOANS

There is no employment verification or income analysis required for the Investor No-Income Program.

RATIOS AND QUALIFYING FOR FLORIDA STATED INVESTOR LOANS

There is no Debt-to-Income (DTI) requirement for the Investor No-Income Program.

15% DOWN+STATED INCOME FLORIDA MORTGAGE LENDERS-

www.florida-mortgage-lenders.com/florida-mortgage.../186-stated-florida-mortgage-l...
 
The below information is a summary of the minimum Florida stated loan documentation requirements for each Income Documentation Program. For additional ...

florida stated income mortgage lenders+same day approval!

www.fhamortgageprograms.com/stated-income-florida-investor-loans/
 
Dec 23, 2016 - FLORIDA STATED INCOME PRIMARY HOMES AND INVESTOR LOANS Call NOW 954-667-9110 Same Day Florida stated income loan Pre ...

Bank Statement Only Florida Mortgage Lenders

www.fhamortgageprograms.com/bank-statement-only-florida-mortgage-lenders/
 
Florida Stated Income Mortgage Lenders+Same Day Approval! ... Our Stated and Bank Statement OnlyLoan Approvals Up to $3,000,000 Loan Amounts.

15% DOWN+STATED FLORIDA MORTGAGE LENDERS

 
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Jan 10, 2017 - 15% DOWN+STATED FLORIDA MORTGAGE LENDERS
 

STATED INCOME FLORIDA MORTGAGE LENDERS

 
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Jan 28, 2017 - STATED INCOME FLORIDA MORTGAGE LENDERS

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LAKE MARY JANE FL MORTGAGE LENDERS
LAKE MONROE FL MORTGAGE LENDERS
LAKE PARK FL MORTGAGE LENDERS
LAKE SUZY FL MORTGAGE LENDERS
LAKE TALLAVANA FL MORTGAGE LENDERS
LAKE WALES FL MORTGAGE LENDERS
LAKE WORTH FL MORTGAGE LENDERS
LAKELAND FL MORTGAGE LENDERS
LAKEPORT FL MORTGAGE LENDERS
LAKESHORE FL MORTGAGE LENDERS
LAKEWOOD FL MORTGAGE LENDERS
LAKEWOOD RANCH FL MORTGAGE LENDERS
LAMONT FL MORTGAGE LENDERS
LANARK VILLAGE FL MORTGAGE LENDERS
LANIER FL MORTGAGE LENDERS
LANSING FL MORTGAGE LENDERS
LANTANA FL MORTGAGE LENDERS
LARGO FL MORTGAGE LENDERS
LAUDERDALE BY THE SEA FL MORTGAGE LENDERS
LAUDERHILL FL MORTGAGE LENDERS
LEESBURG FL MORTGAGE LENDERS
LEMON BLUFF FL MORTGAGE LENDERS
LEONARDS FL MORTGAGE LENDERS
LESSIE FL MORTGAGE LENDERS
LETO FL MORTGAGE LENDERS
LIGHTHOUSE POINT FL MORTGAGE LENDERS
LILLIBRIDGE FL MORTGAGE LENDERS
LINDEN FL MORTGAGE LENDERS
LITHIA FL MORTGAGE LENDERS
LITTLE LAKE CITY FL MORTGAGE LENDERS
LLOYD FL MORTGAGE LENDERS
LOCHLOOSA FL MORTGAGE LENDERS
LONGBOAT KEY FL MORTGAGE LENDERS
LONGWOOD FL MORTGAGE LENDERS
LORIDA FL MORTGAGE LENDERS
LOTTIEVILLE FL MORTGAGE LENDERS
LOWELL FL MORTGAGE LENDERS
LOXAHATCHEE FL MORTGAGE LENDERS
LUDLAM FL MORTGAGE LENDERS
LULU FL MORTGAGE LENDERS
MABEL FL MORTGAGE LENDERS
MAITLAND FL MORTGAGE LENDERS
MARCO ISLAND FL MORTGAGE LENDERS
MARGATE FL MORTGAGE LENDERS
MARION OAKS FL MORTGAGE LENDERS
MARTIN FL MORTGAGE LENDERS
MARYSVILLE FL MORTGAGE LENDERS
MAYTOWN FL MORTGAGE LENDERS
MCALPIN FL MORTGAGE LENDERS
MCDAVID FL MORTGAGE LENDERS
MCNEAL FL MORTGAGE LENDERS
MCRAE FL MORTGAGE LENDERS
MEADOWBROOK TERRACE FL MORTGAGE LENDERS
MEADOWCREST FL MORTGAGE LENDERS
MEDART FL MORTGAGE LENDERS
MELBOURNE BEACH FL MORTGAGE LENDERS
MELBOURNE FL MORTGAGE LENDERS
MELBOURNE SHORES FL MORTGAGE LENDERS
MELROSE FL MORTGAGE LENDERS
MERIDIAN FL MORTGAGE LENDERS
MIAMI FL CONDO MORTGAGE LENDERS
MIAMI FL MORTGAGE LENDERS
MICCOSUKEE FL MORTGAGE LENDERS
MIDWAY, SANTA ROSA COUNTY FL MORTGAGE LENDERS
MIKESVILLE FL MORTGAGE LENDERS
MILES CITY FL MORTGAGE LENDERS
MILLIGAN FL MORTGAGE LENDERS
MILLVILLE FL MORTGAGE LENDERS
MILTON FL MORTGAGE LENDERS
MINNEOLA FL MORTGAGE LENDERS
MIRAMAR FL MORTGAGE LENDERS
MONKEY BOX FL MORTGAGE LENDERS
MOUNT DORA FL MORTGAGE LENDERS
MOUNT PLEASANT FL MORTGAGE LENDERS
MOUNTAIN LAKE FL MORTGAGE LENDERS
MUCE FL MORTGAGE LENDERS
MYAKKA CITY FL MORTGAGE LENDERS
NALCREST FL MORTGAGE LENDERS
NAPLES FL MORTGAGE LENDERS
NARCOOSSEE FL MORTGAGE LENDERS
NASSAUVILLE FL MORTGAGE LENDERS
NAVARRE BEACH FL MORTGAGE LENDERS
NAVARRE FL MORTGAGE LENDERS
NEALS FL MORTGAGE LENDERS
NEPTUNE BEACH FL MORTGAGE LENDERS
NEW HOPE FL MORTGAGE LENDERS
NEW PORT RICHEY FL MORTGAGE LENDERS
NEW SMYRNA BEACH FL MORTGAGE LENDERS
NEWPORT, MONROE COUNTY FL MORTGAGE LENDERS
NEWPORT, WAKULLA COUNTY FL MORTGAGE LENDERS
NICEVILLE FL MORTGAGE LENDERS
NICHOLS FL MORTGAGE LENDERS
NOCATEE, DESOTO COUNTY FL MORTGAGE LENDERS
NOCATEE, ST. JOHNS COUNTY FL MORTGAGE LENDERS
NON WARRANTABLE CONDO LENDERS FLORIDA
NORTH MEADOWBROOK TERRACE FL MORTGAGE LENDERS
NORTH MIAMI BEACH FL MORTGAGE LENDERS
NORTH NAPLES FL MORTGAGE LENDERS
NORTH PORT FL MORTGAGE LENDERS
NORTH RUSKIN FL MORTGAGE LENDERS
NOWATNEY FL MORTGAGE LENDERS
O'BRIEN FL MORTGAGE LENDERS
O'NEIL FL MORTGAGE LENDERS
OAK RIDGE FL MORTGAGE LENDERS
OAKLAND PARK FL MORTGAGE LENDERS
OCALA FL MORTGAGE LENDERS
OCEAN RIDGE FL MORTGAGE LENDERS
OCHEESEE LANDING FL MORTGAGE LENDERS
OCHEESEULGA FL MORTGAGE LENDERS
OCHLOCKONEE FL MORTGAGE LENDERS
OCHOPEE FL MORTGAGE LENDERS
OCKLAWAHA FL MORTGAGE LENDERS
OCOEE FL MORTGAGE LENDERS
OJUS FL MORTGAGE LENDERS
OKEECHOBEE FL MORTGAGE LENDERS
OKEELANTA FL MORTGAGE LENDERS
OLD MYAKKA FL MORTGAGE LENDERS
OLD TOWN FL MORTGAGE LENDERS
OLDSMAR FL MORTGAGE LENDERS
OLUSTEE FL MORTGAGE LENDERS
ONA FL MORTGAGE LENDERS
ONECO FL MORTGAGE LENDERS
ORANGE BEND FL MORTGAGE LENDERS
ORANGE LAKE FL MORTGAGE LENDERS
ORANGE PARK FL MORTGAGE LENDERS
ORANGE SPRINGS FL MORTGAGE LENDERS
ORIENT PARK FL MORTGAGE LENDERS
ORIOLE BEACH FL MORTGAGE LENDERS
ORLANDO FL MORTGAGE LENDERS
ORLO VISTA FL MORTGAGE LENDERS
ORMOND BEACH FL MORTGAGE LENDERS
ORTONA, GLADES COUNTY FL MORTGAGE LENDERS
OSLO FL MORTGAGE LENDERS
OSTEEN FL MORTGAGE LENDERS
OVIEDO FL MORTGAGE LENDERS
OXFORD FL MORTGAGE LENDERS
OZELLO FL MORTGAGE LENDERS
OZONA FL MORTGAGE LENDERS
PAINTERS HILL FL MORTGAGE LENDERS
PALATKA FL MORTGAGE LENDERS
PALM BAY FL MORTGAGE LENDERS
PALM BEACH FARMS FL MORTGAGE LENDERS
PALM BEACH FL MORTGAGE LENDERS
PALM BEACH GARDENS FL MORTGAGE LENDERS
PALM HARBOR FL MORTGAGE LENDERS
PALM RIVER FL MORTGAGE LENDERS
PALMA SOLA FL MORTGAGE LENDERS
PALMDALE FL MORTGAGE LENDERS
PALMETTO FL MORTGAGE LENDERS
PANACEA FL MORTGAGE LENDERS
PANAMA CITY BEACH FL MORTGAGE LENDERS
PANAMA CITY FL MORTGAGE LENDERS
PARRISH FL MORTGAGE LENDERS
PELICAN LAKE FL MORTGAGE LENDERS
PEMBROKE PINES FL MORTGAGE LENDERS
PENNICHAW FL MORTGAGE LENDERS
PENSACOLA BEACH FL MORTGAGE LENDERS
PENSACOLA FL MORTGAGE LENDERS
PERDIDO KEY FL MORTGAGE LENDERS
PETERS FL MORTGAGE LENDERS
PICNIC FL MORTGAGE LENDERS
PINE ISLAND, CALHOUN COUNTY FL MORTGAGE LENDERS
PINE ISLAND, HILLSBOROUGH COUNTY FL MORTGAGE LENDERS
PINECREST FL MORTGAGE LENDERS
PINELLAS PARK FL MORTGAGE LENDERS
PINEOLA FL MORTGAGE LENDERS
PINETTA FL MORTGAGE LENDERS
PLANT CITY FL MORTGAGE LENDERS
PLANTATION FL MORTGAGE LENDERS
POMPANO BEACH FL MORTGAGE LENDERS
PONCE INLET FL MORTGAGE LENDERS
PORT ORANGE FL MORTGAGE LENDERS
PORT ST. LUCIE FL MORTGAGE LENDERS
PUNTA GORDA FL MORTGAGE LENDERS
RAINBOW LAKES ESTATES FL MORTGAGE LENDERS
RED HEAD FL MORTGAGE LENDERS
REDLAND FL MORTGAGE LENDERS
RESTON FL MORTGAGE LENDERS
RIDGECREST FL MORTGAGE LENDERS
RIO PINAR FL MORTGAGE LENDERS
ROCHELLE FL MORTGAGE LENDERS
ROCK HARBOR FL MORTGAGE LENDERS
ROCKLEDGE FL MORTGAGE LENDERS
ROCKY CREEK FL MORTGAGE LENDERS
ROLLINS CORNER FL MORTGAGE LENDERS
ROSEMARY BEACH FL MORTGAGE LENDERS
ROTONDA WEST FL MORTGAGE LENDERS
ROUND LAKE FL MORTGAGE LENDERS
ROYAL PALM BEACH FL MORTGAGE LENDERS
RUNYON FL MORTGAGE LENDERS
RUTLAND FL MORTGAGE LENDERS
SAFETY HARBOR FL MORTGAGE LENDERS
SALEM FL MORTGAGE LENDERS
SALT SPRINGS FL MORTGAGE LENDERS
SAMPSON CITY FL MORTGAGE LENDERS
SAN CASTLE FL MORTGAGE LENDERS
SAN MATEO FL MORTGAGE LENDERS
SANDERSON FL MORTGAGE LENDERS
SANFORD FL MORTGAGE LENDERS
SANIBEL FL MORTGAGE LENDERS
SANLANDO SPRINGS FL MORTGAGE LENDERS
SANTA MONICA FL MORTGAGE LENDERS
SANTA ROSA BEACH FL MORTGAGE LENDERS
SARASOTA FL MORTGAGE LENDERS
SATELLITE BEACH FL MORTGAGE LENDERS
SATSUMA FL MORTGAGE LENDERS
SCOTLAND FL MORTGAGE LENDERS
SCOTTOWN FL MORTGAGE LENDERS
SCOTTS FERRY FL MORTGAGE LENDERS
SCOTTSMOOR FL MORTGAGE LENDERS
SEACREST FL MORTGAGE LENDERS
SEASIDE FL MORTGAGE LENDERS
SEASIDE FL MORTGAGE LENDERS
SEBASTIAN FL MORTGAGE LENDERS
SELMAN FL MORTGAGE LENDERS
SENYAH FL MORTGAGE LENDERS
SEWALL'S POINT FL MORTGAGE LENDERS
SHADEVILLE FL MORTGAGE LENDERS
SHADY GROVE, JACKSON COUNTY FL MORTGAGE LENDERS
SHADY GROVE, TAYLOR COUNTY FL MORTGAGE LENDERS
SHALIMAR FL MORTGAGE LENDERS
SHELL POINT FL MORTGAGE LENDERS
SILVER PALM FL MORTGAGE LENDERS
SILVER SPRINGS FL MORTGAGE LENDERS
SLAVIA FL MORTGAGE LENDERS
SOUTHFORT FL MORTGAGE LENDERS
SOUTHPORT FL MORTGAGE LENDERS
SPARR FL MORTGAGE LENDERS
SPRING LAKE, HIGHLANDS COUNTY FL MORTGAGE LENDERS
SPUDS FL MORTGAGE LENDERS
ST. AUGUSTINE BEACH FL MORTGAGE LENDERS
ST. AUGUSTINE FL MORTGAGE LENDERS
ST. CATHERINE FL MORTGAGE LENDERS
ST. CLOUD FL MORTGAGE LENDERS
ST. HEBRON FL MORTGAGE LENDERS
ST. JOHN FL MORTGAGE LENDERS
ST. JOHNS FL MORTGAGE LENDERS
ST. JOSEPH, PASCO COUNTY FL MORTGAGE LENDERS
ST. PETE BEACH FL MORTGAGE LENDERS
ST. PETERSBURG FL MORTGAGE LENDERS
ST. TERESA FL MORTGAGE LENDERS
STOCK ISLAND FL MORTGAGE LENDERS
STUART FL MORTGAGE LENDERS
SUGARLOAF SHORES FL MORTGAGE LENDERS
SUMATRA FL MORTGAGE LENDERS
SUMMERFIELD FL MORTGAGE LENDERS
SUMMERLAND KEY FL MORTGAGE LENDERS
SUMNER FL MORTGAGE LENDERS
SUMTERVILLE FL MORTGAGE LENDERS
SUN 'N LAKE OF SEBRING FL MORTGAGE LENDERS
SUN CITY FL MORTGAGE LENDERS
SUNNY HILLS FL MORTGAGE LENDERS
SUNNYSIDE FL MORTGAGE LENDERS
SUNSET POINT FL MORTGAGE LENDERS
SUNTREE FL MORTGAGE LENDERS
SURFSIDE FL MORTGAGE LENDERS
SUWANNEE FL MORTGAGE LENDERS
SVEA FL MORTGAGE LENDERS
SWEET GUM HEAD FL MORTGAGE LENDERS
SWEETWATER CREEK FL MORTGAGE LENDERS
SWEETWATER, HARDEE COUNTY FL MORTGAGE LENDERS
SWITZERLAND FL MORTGAGE LENDERS
SYDNEY FL MORTGAGE LENDERS
TAFT FL MORTGAGE LENDERS
TAINTSVILLE FL MORTGAGE LENDERS
TALLAHASSEE FL MORTGAGE LENDERS
TALLEVAST FL MORTGAGE LENDERS
TAMARAC FL MORTGAGE LENDERS
TAMPA FL MORTGAGE LENDERS
TANGELO PARK FL MORTGAGE LENDERS
TARPON SPRINGS FL MORTGAGE LENDERS
TARRYTOWN FL MORTGAGE LENDERS
TAVARES FL MORTGAGE LENDERS
TAVERNIER FL MORTGAGE LENDERS
TELOGIA FL MORTGAGE LENDERS
TEMPLE TERRACE FL MORTGAGE LENDERS
TERRA CEIA FL MORTGAGE LENDERS
THE ACREAGE FL MORTGAGE LENDERS
THOMPSON FL MORTGAGE LENDERS
TITUSVILLE FL MORTGAGE LENDERS
TRAIL CENTER FL MORTGAGE LENDERS
TREASURE ISLAND FL MORTGAGE LENDERS
TRILACOOCHEE FL MORTGAGE LENDERS
TRILBY FL MORTGAGE LENDERS
TURKEY CREEK FL MORTGAGE LENDERS
TWO EGG FL MORTGAGE LENDERS
TYLER FL MORTGAGE LENDERS
UNIVERSITY, ORANGE COUNTY FL MORTGAGE LENDERS
UPTHEGROVE BEACH FL MORTGAGE LENDERS
VALDEZ FL MORTGAGE LENDERS
VALPARAISO FL MORTGAGE LENDERS
VANDERBILT BEACH ESTATES FL MORTGAGE LENDERS
VANDERBILT BEACH FL MORTGAGE LENDERS
VENICE FL MORTGAGE LENDERS
VENUS FL MORTGAGE LENDERS
VERDIE FL MORTGAGE LENDERS
VERMONT HEIGHTS FL MORTGAGE LENDERS
VERO BEACH FL MORTGAGE LENDERS
VERO LAKE ESTATES FL MORTGAGE LENDERS
VIERA FL MORTGAGE LENDERS
VIKING FL MORTGAGE LENDERS
VINELAND FL MORTGAGE LENDERS
VIRGINIA VILLAGE FL MORTGAGE LENDERS
VOLUSIA FL MORTGAGE LENDERS
WACISSA FL MORTGAGE LENDERS
WADESBORO FL MORTGAGE LENDERS
WAKULLA BEACH FL MORTGAGE LENDERS
WALNUT HILL FL MORTGAGE LENDERS
WANNEE FL MORTGAGE LENDERS
WATERCOLOR FL MORTGAGE LENDERS
WATERS LAKE FL MORTGAGE LENDERS
WATERSOUND FL MORTGAGE LENDERS
WAUKEENAH FL MORTGAGE LENDERS
WEIRSDALE FL MORTGAGE LENDERS
WELCOME FL MORTGAGE LENDERS
WELLBORN FL MORTGAGE LENDERS
WELLINGTON FL MORTGAGE LENDERS
WEST KENDALL FL MORTGAGE LENDERS
WEST MELBOURNE FL MORTGAGE LENDERS
WEST PALM BEACH FL MORTGAGE LENDERS
WESTCHESTER FL MORTGAGE LENDERS
WESTON FL MORTGAGE LENDERS
WHISPERING PINES FL MORTGAGE LENDERS
WHITE CITY, GULF COUNTY FL MORTGAGE LENDERS
WILBUR-BY-THE-SEA FL MORTGAGE LENDERS
WILCOX FL MORTGAGE LENDERS
WILCOX JUNCTION FL MORTGAGE LENDERS
WILLIFORD FL MORTGAGE LENDERS
WILLIS FL MORTGAGE LENDERS
WILTON MANORS FL MORTGAGE LENDERS
WINDSOR, ALACHUA COUNTY FL MORTGAGE LENDERS
WINSTON FL MORTGAGE LENDERS
WINTER GARDEN FL MORTGAGE LENDERS
WINTER HAVEN FL MORTGAGE LENDERS
WINTER PARK FL MORTGAGE LENDERS
WINTER SPRINGS FL MORTGAGE LENDERS
YELVINGTON FL MORTGAGE LENDERS
YOUNGSTOWN FL MORTGAGE LENDERS
ZELLWOOD FL MORTGAGE LENDERS
ZUBER FL MORTGAGE LENDERS

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FHA MORTGAGE

550 MIN FICO

PORTFOLIO MORTGAGE

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VA MORTGAGE

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580 MIN FICO SCORE 

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620 MIN FICO SCORE 

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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