US MORTGAGE LENDERS 954-667-9110US Mortgage Lenders is committed to providing clients with the highest quality financial services, combined with the lowest rates available. Our mortgage originators will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs. Whether you are first time home buyer, refinancing an current loan, or consolidating debt, our highly experienced mortgage team can help you find the right loan program at the lowest rate, no matter what your needs are.
• FHA MORTGAGE LENDERS- Min 3.5% down payment minimum 580 fico or 10% down with a 550 fico. Seller paid closing cost up to 6%. Gift from family OK! FHA mortgage lenders have the ability to approve you to purchase a home 3 years after a foreclosure, 2 years after a chapter 7 bankruptcy and 1 year after a chapter 13 bankruptcy. Please Note- The 3 year waiting period after a foreclosure starts when the title/deed is transferred out of your name.
• VA MORTGAGE LENDERS- 100% VA loan financing with a minimum 550 credit score. Seller paid closing cost up to 4%. Qualify for a VA 100% mortgage using VA certificate of eligibility or/and DD214 waiting only 2 years after a foreclosure or bankruptcy.
• BAD CREDIT MORTGAGE LENDERS- We get borrowers approved every day to purchase a mortgage with a bad credit past. FHA mortgage and VA mortgage and private bad credit approvals are among the easiest loan programs for bad credit mortgage applicants.
• JUMBO BAD CREDIT MORTGAGE LENDERS- Your mortgage amount exceeds the current conforming home loan limit of $424,100, a Jumbo loan is likely the best choice for you. Jumbo loans can be of the fixed or adjustable variety.
• NO CREDIT MORTGAGE LENDERS- We get borrowers approved every day to purchase a home using and building a payment history using non traditional trade lines including payment history from electric, cell phone, insurance and rental payment history.
• BANK STATEMENT ONLY MORTGAGE LENDERS – For self employed that do not show enough income to qualify for a bank mortgage. Must be self employed for a minimum 2 years. Must have trade lines for 12 months on the credit report. Transfers from business account OK! All persons listed on bank statements must be used on the loan application. No tax returns required. 24 months personal bank statements used to qualify. Up to 90% of the purchase price up to 50% DTI. No seasoning after a short sale or and 2nd homes and investment properties purchase or refinance is OK!.
• STATED BUSINESS MORTGAGE LENDERS – Business Purpose Loans for investor to purchase. Use 100% of Rest utilized in DCR computation. Business investor loans with Credit Scores down to 600 Can close in name of LLC Loan amounts from $100,000 to 1 Million 75% maximum LTV for purchase transactions 70% maximum LTV for refinance transactions No reserves required, Interest Only terms available
• PORTFOLIO MORTGAGE LENDERS- Purchase 1 day our of Foreclosure, Short Sale, Bankruptcy down to a 500 credit score. Loans up to 1 million with credit scores down to 500. Up to 80% Loan To Value. 30 year fixed no prepayment penalty.
• 30 YEAR FIXED RATE MORTGAGE LENDERS- The 30 year fixed rate mortgage is one of the most popular and secure options available for Florida home buyers and home owners who want your monthly payments to be low and never change.
• 15 YEAR FIXED RATE MORTGAGE LENDERS- If you’re looking to save thousands in interest expense and you want to own your home quicker versus a 30 year fixed rate mortgage, a 15 year fixed rate mortgage could be good for you. Plus, your payment and interest rate will never change during the term of this mortgage.
US MORTGAGE LENDERS Is pleased to offer disciplined credit alternatives for bad credit mortgage applicants who can demonstrate the ability to repay, but otherwise don’t meet agency guidelines due to various reasons, including: