The Bluepen Realtor TeamPersonal Service With A Difference! You probably know how important it is to find the right real estate agent when you are focusing on a financial investment as substantial and as personal as your home. What you should know about our team is that, we believe wholeheartedly in the unique, personal nature of real estate. You will see that revealed in how we follow through on what is promised and carefully guide you through the many steps and decisions along the way. We are fully committed to providing you with a noticeably higher level of service that will make your real estate experience as easy and as stress-free as possible. What you can expect from me: • Personal and knowledgeable service that is genuinely responsive to your needs • A "Neighborhood Specialist's" familiarity with local communities, home values, and price trends • Advice and guidance throughout the entire process • Commitment to help you leverage our companies many resources that can save you valuable time and effort in securing home financing, insurance, and home connections. Feel free to contact me any time, whether it's to get started on helping you realize your goals and dreams, or just to ask a question. I would welcome the opportunity to make a difference for you.The Bluepen Realtor TeamServicio de Personal con una diferencia Usted probablemente sabe lo importante que es encontrar el agente de bienes raíces cuando se está enfocando en una inversión financiera sustancial y tan personal como su casa. Lo que debe saber acerca de mí es que, creemos sinceramente en la naturaleza única, personal de bienes raíces. Verá que revela en la forma en que seguimos adelante con lo que se promete y cuidadosamente le guiará a través de los muchos pasos y decisiones a lo largo del camino. Estamos plenamente comprometidos a proveerle con un nivel sensiblemente más alto de servicio que harán de su experiencia de bienes raíces como fácil y tan libre de estrés como sea posible. Usted puede esperar de nosotros: • el servicio personal y conocedores de que es realmente sensible a sus necesidades • familiaridad a "Vecindad del especialista" con las comunidades locales, los valores de las casas, y tendencias de los precios • asesoramiento y orientación a lo largo de la todo el proceso • Compromiso para ayudar a aprovechar nuestras empresas muchos recursos que le pueden ahorrar tiempo y esfuerzo en la obtención de financiamiento de vivienda, seguros, y las conexiones domiciliarias. No dude en ponerse en contacto conmigo en cualquier momento, ya sea para empezar a trabajar en ayudar a alcanzar sus objetivos y los sueños, o simplemente para hacer una pregunta. Yo daría la bienvenida a la oportunidad de hacer una diferencia para usted
Our Foreign National Loan Application is for non-citizen residents 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 up to 75% financing for foreign nationals and offer programs with little or no documentation for with quick, easy approval.
What are some of the Qualifications?•Up to 80% LTV with 640 min FICO•Up to 75% LTV with 620 min FICO•NO CREDIT SCORE ? NO PROBLEM * •W-2 income for wage earners and/or last two year tax returns for non w-2 wage earners and self-employed – OK •24 months statements optional for (self-employed only)•New purchases, refinance and cash-out refinancing available•No pre-payment penalties•No mortgage insurance•Gift money from family - OK
Foreign National Loan Application
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
Some Key Highlights are * Starting Interest Rates for some programs 4.50% * Loan to Value up to 90%* Terms: 5yr-ARM / 7yr-ARM / 30 Yr-Fixed* No Tax Returns, Pre-Payment Penalty or MI* Foreign Nationals Eligibility: YES*Property Types: Single Family, Multi-Family, Condo, *Investment, Commercial and Land OK !
WE ARE EXCITED TO PRESENT OUR NEW CONVENTIONAL 1% DOWN WITH EQUITY PLUS LOAN PROGRAMYou simply put down 1%, and we contribute 2%*, giving you 3% equity at closingGreat low ratesClose in 30 days or lessConventional 30-year fixed programAvailable with no monthly Mortgage Insurance*2% is a lender contribution and may only be applied to down payment THERE’S NO REASON TO WAIT!CLICK TO APPLY OR CALL TODAY AND GET THE HOME YOU’VE ALWAYS WANTED.
Program Highlights• Non-US credit accepted• Up to 75% LTV• Up to 50% DTI• Single family, townhouses, condos, 2-4 units• Loans up to $3,000,000• Rates starting in low 7’s* • Investment properties• Minimum FICO 640 (Some programs do not require credit report)
What documents do you need? • 3 Credit references (mortgage, car payment, credit cards, etc..)• Bank statements • If wage earner – Letter from employer • If Self-Employed – Accountant verification letter • Proof of ownership of home in the country you reside in • Proof of funds to close
THE NEW VA MORTGAGE ADVANTAGEA VA Loan has many advantages that make it one of the most appealing paths to home ownership and this great benefit is reserved exclusively to those who bravely served our country and select military spouses. When combined, the benefits of the VA mortgage allow service members and Veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.
CUSTOMER SERVICES•Free Credit Consultation•Credit Rescoring Service•Transportation for disabled Veterans •We will help you obtain a replacement on your•DD214 and Eligibility Certificate
VA PROGRAM HIGHLIGHTS•100% Financing•Competitive interest rates•No PMI (private mortgage insurance)•FICO starting at 560 is OK•Disabled Veterans pay no Property Tax in Florida
We are Approved VA Lenders ! VA guaranteed loans are made by government approved Mortgage Lenders to eligible veterans and their families for the purchase of a home that must be for their own personal occupancy.
Our new ITIN Tax ID Home Loan Program helps make financing a home easier for qualified Non-US Citizens. Borrowers do not need a Social Security number and can use there ITIN Tax ID number to qualify!NO CREDIT SCORE ? NO PROBLEM * If you have an ITIN tax number and have not established a credit score with 3 or more trade-lines, you can establish a 620 score by providing us with 12 months of on-time payments for 3 alternative sources (rent, utilities, cell, insurance, etc.).Qualifying IncomeYou income must be generated in the USA – No overseas income allowed.Types of Property That Qualify? Single-family, Multi-Property, Condos, Non-Warrantable Condos, Townhouses, Mobile Homes, Vacant Land, and Investment Property.Fix Loan Terms Available 10, 15, 20 and 30 year.Don’t Have a US Bank Account? You will need to establish a bank account before your loan is closed.Identification If you don’t have a Valid State ID, we a passport and Visa will be required
Jumbo Full Doc Loan - w/ 2 Year Tax Returns•95% LTV from $300k to $1.5 M Purchase or Cash Out •Low rates •No Mortgage Insurance •No Pre-Pay Penalty•30 year fixed, 5/1 and 7/1 ARM
PURCHASE YOUR HOME WITH JUST 1% DOWN
For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 Wage Earners
Why a Bank Statement Loan? With over 14 programs our Bank Statement Loan programs are rapidly becoming the loan of choice For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 wage earners who have cash flow and payment history, but show a reduced taxable income as a result of high deductions
“We offer programs with 1 day out of a recent mortgage events like Bankruptcy, Foreclosure and Short Sale”
Giselle Perez BPOR, FPALic Real Estate BrokerBlue Pen Realtors Inc2080 S Ocean Dr # 409Hallandale Beach, FL 33009ph-305-776-1952fax firstname.lastname@example.org://bluepenrealtors.sef.mlxchange.comwebsite: http://www.bluepenrealtors.com
Selecting the right Real Estate Agent when making the largest purchase of your life is an important part of the home buying process. We welcome Giselle Perez and BluePen to our Preferred Realtor Network which includes some of the top real estate agents and companies in Florida.
Welcome to our PREFERRED REALTOR NETWORK
Get Pre-Approved for a Bank Statement Loan
* Bank Statement Loan rates are determined by a combination of FICO Credit Score, History and Down Payment Amount. The minimum 500 FICO** is available for non-owner occupied properties only. 1st Florida Lending Corp. brand, makes no warranty or guarantee of a loan approval, credit score increases, loan closings, nor is such inferred or implied. Borrower qualification is required and program availability & guidelines is/are subject to change without notice. Other terms and conditions may apply. Programs are subject to change without notice