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.
Let Florida Direct Lending Pre-Approve your Mortgage
We Offer 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 EarnersWhy 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
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 !
Selecting the right Real Estate Company when making the largest purchase of your life is an important part of the home buying process. We welcome Terence Conner of owners.com to our Preferred Realtor Network which includes some of the top real estate agents and companies in Country.
Welcome to our
In addition to our standard 3.5% down payment on FHA loans. We also offer Lender Paid Credits to offset your closing cost and 100% LTV with Silent Second both programs require middle FICO scores of 620 & up ! RefinanceMinimum Credit Score Max LTV 580 and higher 96.5% 500-579 90.0% to 95.0%Cash-Out RefinanceMinimum Credit Score Max TV 550 and higher 85.00%
TO CONTACT MR. TERENCE CONNOR CALL 407-340-8385OR EMAIL HIM AT TERENCE.CONNOR@OWNERS.COM
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
BANK STATEMENT LOANS
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”