La’Trese Kocetta McPhee 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 La’Trese is that she believes wholeheartedly in the unique, personal nature of real estate.  You will see that revealed in how she follows through on what is promised and carefully guide you through the many steps and decisions along the way. La’Trese  is fully committed in 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 can expect from La’Trese • 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 her many resources that can save you valuable time and effort in securing your new home or selling an existing home. 1st Florida Lending
PREFERRED REALTOR NETWORK
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
Get Pre-Approved for a Self-Employed Bank Statement Loan Today !
La’Trese Kocetta McPhee 3350 SW 148th Ave Ste 110 Miramar, FL 33027 Tel. 954-624-6577 mikera1@bellsouth.net
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 La’Trese Kocetta McPhee to our Preferred Realtor Network which includes some of the top real estate agents and companies in Florida.   
Welcome to our
Lender Credit Program (Fico Driven)  Our most popular client benefit, is the Lender Credit Program that offers borrowers a $1,000 to $4,000 option, that can be used to pay their upfront closing costs!  The Lender Credit Program has saved borrowers thousands in upfront fees and may be all they need to obtain a mortgage for their new home.  
Click Here to learn more about our FHA loan programs
FHA LOANS 
We  Say YES!  * When Banks Say NO! TM
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” 
Full Doc Program Guidelines Maximum loan amount $5,000,000 up to 95% LTV /  Rates starting in the 3's No MI & Pre- Payment Penalty Foreclosure 7 Yrs / Bankruptcy 4 yrs / SS 4yrs
ASK US ABOUT OUR LENDER CREDIT PROGRAM ! 
The FHA 203(h) mortgage program was created to help victims in the Presidentially-declared disaster areas to get back on their feet. Its purpose is to help those victims become homeowners or for those who previously owned or rented a home in the disaster area, to rebuild or purchase a new home.
Florida Direct Lenders offers the FHA 203(h) Disaster Recovery Loan Program
Program Features Primary residence only Available to disaster victims whose previous owned or rented residence was destroyed or damaged to such an extent that a complete replacement Is necessary 15 & 30-year fixed rate conforming balance 30-year fixed rate high balance Minimum credit middle score:  580 Up to 100% LTV
The FHA 203(h) mortgage program was created to help victims in the Presidentially-declared disaster areas to get back on their feet. Its purpose is to help those victims become homeowners or for those who previously owned or rented a home in the disaster area, to rebuild or purchase a new home.
NEW!   BANKRUPTCY, FORECLOSURE AND SHORT SALE ARE  OK!
Self-Employed - 24 month Bank Statement Maximum loan amount $3,000,000 up to 90% LTV /  Rates starting in the 4's No MI & Pre- Payment Penalty Foreclosure, Bankruptcy or Short Sale 24 months or 48 months if multiple events.
Ask us about our appraisal refunds (up to $1,500 at time of closing
JUMBO LOANS  
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Changing tax status from W-2 to 1099 self-employed  There generally is a 12 month waiting period after you change your tax status from wage earner (W-2) to independent Contractor (1099) or New Business owner.  However, there are exceptions in lowering the waiting period which is considered on a case by case basis  
SELF-EMPLOYED 12 AND 24 MONTHS BANK STATEMENT LOANS