Residential and Commercial loans FAST Mtg. Loan Closings ALWAYS! *** PURCHASE ** REFINANCE *** 97 %  580 Credit w/ Full Income Proof - 560 Credit w/ Full Income 75% LTV 30 day Mtg. lates ok STATED Income - Verified Assets SELF EMPLOYED  ONLY - 600 FICO AND UP TO 75% LTV REFINANCE  Fast Refinancing - All credits possible with a Hard Money Slow Credit - Mortgage lates - On some programs still available even with recent changes ........        Refinance today!                                Conforming NEW guideline on Stated Income as of 2008:   680 - 720 credit required (w/ cash out)  Stated Income /Lite Doc/VOE program (Wage Earner Only - w-2)  up to 80% LTV Investment Properties require 720 max 75 LTV SPECIALTY PROPERTIES 1 - 4 unit Multi-Family homes Condo-Conversions - even high rises ok! MFG/MOBILE Homes Min. credit 620 +  Absolutely -NO Negative credit last 4 yrs allowed.            Average rate 8.75 - 11%  Full Income doc = 95% on land or in lot w/ 660 NO Stated income on MFG/Mobiles in FL Mobile loans in FL have become difficault to obtain a 8 - 9% mtg. w/o 660 + credit.  Lenders have tightened up guidelines.   Lenders we deal with on mobile homes require 1976 or newer. ALL Types of INVESTOR LOANS Hard Money  90% Rehab loan - FL only                                          Lender will lend 60% LTV of AFTER value - -can use loan proceeds to purchase, repair & even for closing costs!  Requires min. 5% invested in deal! PROGRAMS for ALL CITIZEN TYPES Permanent Resident Alien Non-Permanent Resident Alien Foreign National Citizens    SPECIAL PROGRAMS FOR: Foreclosure bailout 60 -65  LTV w/ Full Doc/Stated Income w/ hard money lenders Min loan $100k in FL only Collections on credit - Can remain open 1 out of BK - Chapter 13 buyouts	YES! YES! *WeSayOk2U* YES! YES! WE WORK WITH MANY LENDERS WHO HAVE MANY LOAN PROGRAMS TO FIT YOUR SPECIFIC NEEDS We'll help you understand how to position yourself to qualify for the best loan with guidance/techniques! ** WeSayOk2U **	In a hurry?  If you would like to speak to someone immediately,  Please call us at 1-866-758-5949. Our experienced Mortgage Consulatants will response to your inquiries. Get Pre-Qualified   Do it Now!  Why wait?
	Florida Down Payment Programs	CREDIT 101: Mortgages and Bad Credit - It can get better! This is simply for your knowledge and no profit to us. OK, so you have "bad credit", but how bad is it? The very first step is to obtain a tri-merged credit report, along with your credit scores (see below). There are 3 main credit reporting agencies used by the mortgage Iindustry and they too will usually pull a tri-merged credit report. Then the credit score contained within the credit report is used to determine your credit worthiness by ALL lenders. "Bad credit" (in the lending world) is often any credit score less than 620. Scores range from 375- 900. The higher the score the better the credit rating. Usually any credit score under 620 is considered "bad credit" to conforming mortgage lenders. When they refer to "bad credit", they simply mean anyone who may not qualify for a conforming mortgage with credit under 620. HOWEVER, this does NOT mean you cannot get a mortgage just not a conforming loan with rates advertised on TV. Enter - Sub-Prime lenders for "Less then Perfect credit" (under 620)! REMEMBER: Your credit may not be that "bad", but your credit score can still be low, causing you to be declined by a conforming mortgage lender who does not accept any credit scores below 620. Your goal should always be to continuously work towards obtaining a higher credit score. However, this can take time. Know where you stand We have provided some links and numbers to the 3 credit reporting agency that will affect you the rest of your life. EVERYONE should KNOW what their credit looks like and what their scores show to the lending world. No matter how bad you may think it is - it's ALWAYS fixable with time and effort! We supply the above link to help you obtain knowledge! If you want to know and not wonder when asked what's your credit like what others will see go check it out. Everyone can request by phone or in writing their credit free once a year. It will NOT have your credit scores, but you can see what's on your credit just as the banks do! Here are the 3 leading credit reporting agencies: Experian (see phone number below) Equifax Information Services P.O. Box 740241 Atlanta, GA 30374-0241 Trans Union Corporation P.O. Box 390 Springfield, PA 19064-0390 Or call these numbers for more information: Experian 1 (888) EXPERIAN Equifax 1 (800) 378-2732 Trans Union 1 (800) 916-8800
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