Wanda MartinezINTERNATIONAL GROUP US, LLC309 Richard Jackson Blvd - Suite 200Panama City, FLMobile: 850-596-1205Business: 850-522-8955Fax: 850-747-1469Email: email@example.comWebsite: www.internationalgroupus.com
Our General Loan Pre-Approval Request Application is for those borrowers who would like to be pre-approved with a qualifying amount,rate and down payment that collectively meets with your expectations and budget before making a full commitment to move forward. When submitted, one of our professional loan specialist assigned to your account will simply review your credit that you provide or that we obtain with your permission. Once you are pre-approved and agree with the terms. We will issue you signed pre-approval letter and initiate the final underwriting approval process.
Selecting the right Real Estate Agent when purchasing your dream home or an investment property is an important decision. Wanda Martinez and her team of Real Estate Professionals are part of our Preferred Realtor Network which includes some of the top real estate companies in Florida serving the local and international marketplace !
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
All loan programs, guidelines, rates and ltv’s are subject to change without notice.
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.
Our Top 3 Self-Employed Bank Statement Loans
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General Loan Pre-Approval Request
Bank Statement Exemptions: We accept 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. We only require a written explanation letter.
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
MEET THE TEAM Call us at 850-522-8955
Chris Johnson Beth Sellers Steven Anders Irina Tibbits Tammy Bachelder Yoruba Johnson Atherine Matthews Thom Bachelder
Do you live and work in Puerto Ricoand want to Buy a Second Home or Vacation Home in Florida?
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