547 E. Elkcam Circle, Marco Island, FL 34145 239-455-6300 Info@FloridaHomeLoanZ.com
Services
Loan Use
- Primary Residences
- Second Homes
- Investment Properties
- Commercial real estate
Property Types
- Single Family
- 1-4 Family
- Condos
- Multi-Family
- Non-Warrantable Condos
- CondoTels
- Farms 5+ acres
- Lot/Vacant Land
Conventional Loan Products & Programs
- Florida HomeTown Heroes
- Conventional Fannie/Freddie
- now up to $832,750
- as little as 3% Down
- lowest refinance rates today
- Fixed Rate or ARMs
- REVERSE Mortgage Loans
- HECM & Jumbo
- Purchase and Refinance
- Government insured/guaranteed Loans
- FHA Loans 3.5% Down
- Purchase, Refi & Renov
- VA Loans up to 100%
- USDA Loans with No Money Down
- FHA Loans 3.5% Down
Non-QM, non-Conventional and Jumbo Loan Products & Programs
- Jumbo Loans to $4M
- Home Equity Lines of Credit
- Investor Loans without Tax Returns
- 1099 only
- 12 or 24 mo Bank Statement only
- DSCR
- 12 mo CPA audited P&L only
- Asset-only-based loans
- Lot & Construction Loans
- Fix & Flip Loans
- up to 100% LTC
- Foreign Nationals
- up to $1.5M
- Farm Loans
- incl. Horse-, Fruit & Veg-, Hobby-farms and Vineyards up to $50M
What Guides Us
Our mission is to provide comprehensive mortgage solutions for our clients with the highest degree of trust, knowledge, respect and convenience. We believe in the "Golden Rule - Treat others the way you expect to be treated", therefore you will not receive marketing gimmicks and unobtainable quotes from us, but remember that... * All rates and loan scenarios are subject to change without notice and final lender approval. Rates quoted may not include recurring expenses such as insurance, property taxes, HOA dues and/or MIP. Always refer to your "Loan-Estimate" for exact loan details. Rates are not locked unless expressly requested by the Borrower(s) in writing once Lender's conditional Approval is issued
The counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you. You can find approved counseling agencies at the Consumer Financial Protection Bureau’s (CFPB) website: www.consumerfinance.gov/mortgagehelp or by calling 1-855-411-CFPB (2372). You can also access a list of nationwide HUD-approved counseling intermediaries at http://portal.hud.gov/hudportal/HUD?src=/ohc_nint. RESPA, The “Real Estate Settlement Procedures Act” requires us to provide you with the HUD Settlement Cost Booklet. A copy of this booklet can also be found at: Settlement Costs Booklet (hud.gov)
