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FLORIDA MORTGAGE LENDER

As a Florida mortgage lender we provide every Florida mortgage program available including and not limited to:

  • GOVERNMENT MORTGAGE LOANS- Ginnie Mae which is part of HUD guarantees Florida mortgage backed securities either insured and guaranteed by FHAVA, and USDA . Florida Mortgage lenders originate these home loans that are then sold to financial institutions that trade government securities. As a Florida mortgage lender we originate government home loans to purchase or refinance in every city and county in Florida. Apply now or use our quick application for a free consultation.


  • FHA MORTGAGE LOANS-  FHA is short for the Federal Housing Administration. FHA is a sector within the  U.S. Dept. of Housing and Urban Development in charge of the various Florida FHA mortgage programs. As a result of the FHA mortgage insurance private Florida mortgage lenders are willing to grant these home loans with a lower down payment and are easier to qualifying requirements than conventional home loans. Since FHA insures these loans, Florida mortgage lenders are will to take on a greater risk. With the FHA insurance program Florida loan applicants with low credit scores and even no credit scores can qualify for our No Credit Score Florida mortgage. Make sure to checks the maximum Florida FHA loan limits that vary by county. Apply now or use our quick application for a free consultation on your next Florida mortgage.


  • VA MORTGAGE LOANS– VA loans are are issued by private Florida mortgage lenders and guaranteed by U.S. Dept. of Veterans Affairs. The VA loan guaranty allows Florida veterans and service persons to obtain VA mortgage loans with 100% financing. In addition, Florida mortgage applicants find it is easier to qualify for a VA mortgage than a conventional loan. Florida VA mortgage lenders generally limit the maximum VA mortgage loan to $417,000. The U.S. Department of Veterans Affairs does not make loans. The VA it guarantees Florida mortgage loans made by private VA approved mortgage lenders. The VA determines your eligibility and, if you are qualified. The VA will issue you a certificate of eligibility and a DD214  to be used in applying for a VA mortgage. Apply Now or use our Quick Application to receive more information on your next VA mortgage.


  • USDA MORTGAGE LOANS- The Rural Housing Service of the U.S. Dept. of Agriculture guarantees USDA  approved Florida mortgage lenders for rural use only.The  USDA mortgage provides Florida home buyers and homeowners with minimal closing costs and no down payment for a Florida home purchase. USDA mortgage applicants can even finance the closing cost into the appraised value. Apply Now or use our Quick Application to receive a consultation from a Florida mortgage lender that specializes in the USDA mortgage.


  • CONVENTIONAL MORTGAGES- Conventional Florida mortgage lenders provide loans that are either conforming or  non-conforming. Conforming mortgages have terms and conditions that follow the guidelines of Fannie Mae and Freddie Mac. These two stockholder-owned corporations purchase home loans made by Florida mortgage lenders that complying with the guidelines from lending institutions. Conventional loans are then packaged into securities and then sold as securities to institutional investors. By pooling Florida mortgages, Fannie Mae and Freddie Mac, like Ginnie Mae, provide a continuous a flow of affordable mortgage money for Florida mortgage lenders that results in the availability of more Florida home loans. Apply Now or use our Quick Application to receive more information on your next Florida Mortgage.


  • JUMBO MORTGAGE LOANS- Jumbo mortgages issued though Florida mortgage lenders are above the maximum loan amount of $417,000 established by Fannie Mae and Freddie Mac. These Florida mortgage loans are known as ‘jumbo’ loans because jumbo  mortgage loans are bought and sold on a much smaller scale and often have a little higher interest rate than conforming Florida mortgages under $417,000. If you are looking for a jumbo Florida mortgage lender just complete a short loan request form and we will contact you with their rates and fees. Apply Now or use our Quick Application to receive more information on your next Florida Mortgage.


  • CONDO LOANS- Buying a Florida condo is a great way to own your own Florida home without taking on the maintenance of a single family home. Most Florida home buyers find that condos are often more affordable. When it comes to Florida condo purchase, or refinancing your existing condo we have many Florida condo  mortgage programs available. We offer a wide variety of Florida mortgage with some of the best pricing available. To see for yourself, Apply Now or use our Quick Application to receive more information on your next Florida Mortgage.


  • NO CREDIT SCORE FLORIDA MORTGAGES As a Florida mortgage company we are proud to help would be home buyers get approved for Florida mortgage with No credit score or minimal trade line approvals. Unlike most Florida mortgage lenders we can approve Florida mortgage applicants using non traditional trade lines from direct service providers. Direct service providers include electric company, water company, insurance, cell phone ect. Apply Now or use our Quick Application to receive more information on your next Florida Mortgage.


  • BAD CREDIT FLORIDA MORTGAGE-Florida mortgage applicants that have suffered a bankruptcy or foreclosure in the past might qualify for a good Florida mortgage. Florida mortgage applicants must wait 3 years after a Foreclosure and 2 years after a chapter 7 bankruptcy to qualify for an FHA mortgage in FLorida  Otherwise the last resort for bad credit borrowers is a Florida hard money lender. Apply now or use our quick application for a free consulation on our Bad credit Florida home loan programs.


  • HARD MONEY FLORIDA MORTGAGES- Hard money Florida mortgages are granted based on the quick sale value of the Florida home. Private Florida mortgage lenders or investors base this number off the purchase price or appraised value, the lesser of the two. We have access to private Hard money Florida mortgage lenders across  Florida. Hard money lenders charge 3-5 points upfront and interest rates range from 8-12%. Apply now or use our quick application for a free consulation on our hard money Florida mortgage programs.


  • INVESTOR LOANS- With sufficient fico score investor loans are available to investors with sufficient equity and/or down payment. Investors in current market conditions will need at least 10-30% down payment to qualify for a Florida investor mortgage. Apply now or use our quick application for a free consulation on our Florida investor mortgage programs.


  • MANUFACTURED HOME LOANS- FHA provides the highest loan to value for homeowners in search of a Florida mortgage for a manufactured or modular home. Manufactured home loan applicants can borrow up to 96.5% of the purchase price of their next Florida manufactured home loan or FHA rate and term refinance a manufactured home loan up to 97.75% of the homes FHA appraised value. Apply now or use our quick application for a free consulation on our manufactured home loan mortgage programs.


  • FIXED RATE FLORIDA MORTGAGES- With fixed rate Florida mortgage loan the interest rate and your  monthly payments remain fixed over the life of the home loan. Fixed-rate Florida mortgages are available for 40, 30, 25, 20, 15 years and 10 years. Generally, the shorter the term of the mortgage loan, the lower the interest rate.Apply now or use our quick application for a free consulation on our fixed rate Florida mortgage programs.


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About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you’re assured of having the backing of an experienced team.

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