Home Loans

HOME LOANS and more

In most cases (unless you are a Cash buyer), you are going to get some type of financing. Since I have been a Realtor for very long time, we have developed working relationships with many lenders. Although I cannot recommend one over another but here is the list of some either I have worked with or know about them. So please do your due diligence before selecting one. Please DO NOT give out your Social Security Number unless necessary and more importantly DO NOT enter it on any website.

So here are some loan types and lenders who may provide loans:

Fixed Rate
Variable Rate
15 year mortgage
30 year mortgage

Conventional
FHA – Federal Housing Authority Loans
VA – Veterans Affair Loans
USDA – United States Department of Agriculture Loans

First Time Home Buyer
Low Down Loan Options
Refinance
Jumbo Loans

Investment Property
Rehab Loans
Cash Out Refi

Lenders

Home 1^st Lending
Innovative Mortgage Services, Inc
PRMG Mortgages
Security National Mortgage Co
City Lending Inc
Guidance Financing
Maharaja Financials
1^st Florida Lending Corp (for Foreign Buyers)
Waterstone Mortgage
Equity First
Fidelity Funding Mortgage Corp
Mortgage Partners
Freedom Mortgage

Don’t be overwhelmed, once we meet I will go over your needs and wants and try to decide what and who might be appropriate.

LEGAL + TITLE INSURANCE

LEGAL SUPPORT

We advise all our buyers and sellers to have their own Real Estate Attorney. That is because we as Realtors are not and cannot represent you in a legal capacity. However, we work with several Real Estate Attorneys and Title Companies and Title Insurance companies. Here are some names:

First American Title
Nona Title
Lew Oliver Real Estate Attorney
The Closing Agent
Stewart Title
Old Republic Title
Aloma Title
Fidelity National Title
First Advantage Title
Integrity Title
Lincoln Title

FOREIGN NATIONAL LOAN PROGRAM

Foreign National Program helps make financing a second home in the US for personal use or as an investment property easier for qualified Non-US Citizens. Borrowers do not need a Social Security number or a traditional credit score.

What are some of the Qualifications and New Features?

- All income, employment, and residency must be outside the US.
- US citizens who work abroad and earn income overseas.
- Key advantages of this Program include:
- Borrowing up to $ 650,000 $2M
- Fixed and adjustable terms
- New home loans and refinance
- No pre-payment penalties
- Up to 65% 75% loan-to-value financing
- Single-family, Non-Warrantable Condos and townhouses are eligible
- Second home financing
- Low or no bank fees.
- Can close in an LLC
- Self-employed okay
- Refinance up to 55% for cash
- Interest can be lowered after 2 years