Foreign National Loan ApplicationOur Foreign National Loan Application is for non-us citizen who have the qualifications and resources to purchase a home or invest and would like for us to pre-approve their loan amount, quote rates and terms before making a full commitment to move forward. We provide financing for foreign nationals and offer programs with little or no documentation for with quick, easy approval. After completing the Foreign National Loan Application, one of professional mortgage consultants specializing in Foreign National Loans will contact you.
Preferred Realtor Information
Selecting the right Real Estate Agent when making the largest purchase of your life is an important part of the home buying process. Irene Overton-Morgan is part of our Preferred Realtor Network which includes some of the top real estate companies in Florida.
We currently offer several new loan programs for clients that live and/or work in Puerto Rico. More specifically, we accept Hacienda (tax returns) as well as borrowers on fixed incomes like social security and pensions who want to purchase a:Primary home2nd homeVacation homeInvestment home
Our new Jumbo Loan Programs
We offering the largest selection of Mortgage Loan Programs in Florida. Over 45 and Counting! Conventional * Conventional w/ 97LTV's * Non QM Conventional - Non QM Conventional w/ 12 month Short sale, Foreclosure, Bankruptcy * Non QM Conventional w/24 months Short sale, Foreclosure, Bankruptcy * Jumbo Loans low rates * Jumbo Loans w/ 12 month Short sale * Jumbo Loans w/Short sale, Foreclosure, Bankruptcy *No documentation loans * Investment Properties * Commercial * FHA's with 520 FICO'S * FHA Streamline Non Credit Qualifying * FHA Purchase and Refinance Loans * VA * VA Construction to Permanent Purchase Programs * IRRA'S * USDA * Cash Flow Loans * Unlimited cash out * Business owner Bank Statement Loans * Independent Contractor Bank Statement Loans * Self-employed Borrower who has been Self-Employed for less than 1 year * Stand Alone 2nds * Manufactured Homes * Manufactured Homes for FHA and VA * Refinance * Refinance w/ cash out * Unlimited Cash Out * 203k Streamline * HARP * Fresh Start * Home Community * Home Path * Non-traditional Credit/Trade References * Live and work in Puerto Rico * Construction to Perm * Borrowers who have money, but not employed * Reverse Mortgage * Home Renovation * Sub-Prime * Zero FICO Score * Foreign National Stated * Foreign National Full Doc
Our Top 3 Self-Employed Bank Statement Loans
Do you live and work in Puerto Ricoand want to Buy a Second Home or Vacation Home in Florida?
Have a question about our loan programs?
JumboVantage90LTVHighlights •Loans up to $2 million•Minimum Loan Amount $135,000•CashOut Refi up to $500,000•30-year fixed / 5/1 ARM available•No MI & Pre- Payment Penalty•Starting Rates 4.75%•SS/ Ch.7 & 13 discharged >= 4 years•Foreclosure >= 7 Years•SFR/Condos/Townhomes/2-4 Unit
JumboVantage 95LTVHighlights •Loans up to $2.5 million•Minimum Loan Amount $135,000•CashOut Refi up to 90% •30 year fixed•No MI & Pre- Payment Penalty•Starting Rates 4.75%•SS/ Ch.7 & 13 discharged >= 4 years•Foreclosure >= 7 Years•SFR/Condos/Townhomes/2-4 Units
Actualmente ofrecemos varios programas de préstamos nuevos para los clientes que viven y / o trabajan en Puerto Rico. Más específicamente, los prestatarios que han presentado declaraciones de impuestos de Hacienda (Puerto Rico) son elegibles para comprar. Esto incluye prestatarios con ingresos fijos, como la seguridad social y las pensiones que quieren comprar una:Casa principalSegundo hogarCasas vacacionalesCasa de InversionesQué tipo de programa de préstamo es mejor para usted? En caso de obtener una hipoteca de tasa de cambio fija o ajustable? Un préstamo convencional o el gobierno? Sólo tienes que rellenar nuestro Pre-Qualifying solicitud de préstamo y que uno de nuestros especialistas de préstamo cualificado le ayudará a seleccionar el programa adecuado que se ajuste a su presupuesto y necesidades.
Loan Program HighlightsWE ACCEPT HACIENDA TAX RETURNS •FICO down to 530 to get approved • Up to 96.5% LTV (3% down payment! ) • 15, 20, 25 and 30 year fixed and 5/1 ARM • Gifts and Seller Contributions - OK • No minimum Trade lines
Why a Bank Statement Loan? Many self-employed business owners and independent contractors have good cash flow and payment history. Even so, they are often declined due low taxable income as a result of high deductions, recent mortgage events e.g. Bankruptcy, Foreclosure, Short Sale Seasoning & Deed in Lieu and/or personal credit issues. Listed below are 3 out of our 5 most popular self-employed bank statement lending programs available.
* Bank Statement Overlays: We accept multiple different bank account overlays to meet our 24 month requirement. For example, if you (and not your bank) close one or more active accounts, and re-opened accounts in another bank within the 24 month period. We only require a written explanation letter accordingly.