Connie Smith Personal 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.
PREFERRED REALTOR NETWORK
Our 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.  
1st Florida Lending can Pre-Approve your Mortgage
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all of Florida offering over 45 loans programs including Conventional, Jumbo, FHA, VA, USDA to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification.                               Disclaimer:  When Banks Say NO! We Say YES! tm   If you are turned down by another lender.  We will work hard to approve your loan.  No guarantee of any kind is expressed or implied!   Main Office: 2151 Consulate Dr. * Suite 8 *  Orlando, FL., 32837  * Telephone (800) 655-1345 * (407) 300-2558 * Fax (877) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 © 2007 - 2015 FFL Corp - All rights reserved  I                             I                             I    When Banks Say No !  We Say YES !  ®  is a registered trademark
Click for the BBB Business Review of this Mortgage Lender in Orlando FL
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 Loan Pre-Approval Application is for those borrowers who would like to obtain a preliminary loan pre-approval, with a qualifying rate and term that meets with your expectations before making a full commitment. 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.
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,  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 even if you are 1 day out of a recent mortgage events (e.g. Bankruptcy, Foreclosure, Short Sale, Deed in Lieu.      
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
BANK STATEMENT LOANS 
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.   
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
Connie Smith- Professional Realtor Berkshire Hathaway Fl Realty 1430 St Lucie West Blvd St 102. PORT SAINT LUCIE, FL 34986. consmith@aol.com Office: 772-242-1990
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 Connie Smith to our Preferred Realtor Network which includes some of the top real estate agents and companies in Florida.   
Welcome to our
FHA Direct Loans
100 % LTV FOR FHA PURCHASE USING A SILENT SECOND  We now offer a 100% LTV FHA loan using a silent second to offset the required 3.5% down payment.  It is important to note that there is no repayment of the silent second if the Borrowers income does not exceed 115% of the Area Medium Income (AMI) limits in Florida (view chart). In this case, we will allow interest rates as low as ZERO and the silent second goes away after 3 years. Also there is no repayment required if the borrower keeps the Mortgage for 3 years! - 100% LTV for FHA Purchase Only - Minimum 620 FICO to Qualify Other Zero Down payment options for (FHA,VA,USDA)Its common knowledge that the Federal Housing Administration (FHA) loans require a 3.5% down payment, which can be quite a lot of money for some borrowers.  The FHA rule allows a borrower to receive a gift for the entire down payment. The gift can be from a family member, non-profit organization, fiance, or other eligible down payment gift source. That means you don’t need any of your own money to buy with FHA, if you can find a source for the gift FHA LOANS HAVE MINIMAL DOWN PAYMENT AND CLOSING FEES: Down payment only 3.5% of the purchase price. Gifts from family or Grants for down payment assistance and closing costs OK! No reserves or future payments in account required. Seller can credit buyers up to 6% of sales price towards buyers costs. FHA regulates closing costs. FHA LOANS EASY QUALIFICATIONS: Obtain an FHA loan 3 years after a Foreclosure.  Purchase a Florida home 12 months after a chapter 13 Bankruptcy Purchase a Florida 24 months after a chapter 7 Bankruptcy. Minimum FICO credit score of 580 required for 96.5% financing. Have bad credit? Minimum FICO scores of 550 required for 90% financing FHA LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING FHA allows higher debt ratio's than any other Florida home loan programs. Less than two years on the same job is OK! Self-employed buyers can also qualify for FHA.
FHA LOANS
please indicate silent second
* 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
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 Income You 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