Popular Florida Mortgage Options Include:
- Bank Statement: Use 12 or 24 average bank deposits with no tax returns.
- 3-Month Bank Statement: Owner Financing, self-employed bank statement mortgage.
- Self-Employed Mortgage: If you write off too much of your income.
- VA 100% Mortgage loans: for Qualified Veterans with No PMI -VA Loan Limits 806,500
- Conventional: Fannie Mae or Freddie Mac – Conforming Loan Limit 806,500
- Jumbo: Mortgages and Alt doc super jumbo loans over $806,500 up to $50 Million
- No Income: No doc, stated Florida no Income verification Mortgage Lender
- NO tax return: No Tax return lenders use 1099, bank statement documentation.
- VOE: Allow your VOE to disregard your tax return write-offs.
- Pledged Assets: Assets in your account to qualify.
- P&L Only: Use your licensed Tax preparer’s Profit and Loss to qualify.
- ITIN Mortgage– Non-residents can use ITIN and bank statements to mortgage a home.
- Foreign National: Nonresidents can invest, purchase, or cash out.
- Bad Credit: Bad Credit mortgage approvals are based on payment history.
- Non-warrantable Florida Condos: Those that don’t meet Fannie Mae or Freddie Mac specifications.
- Cross Collateral – Up to 90% financing when pledging more than one property for collateral.
- Bridge-to-Sale – Help clients access their listed property’s equity before its sale.
- Asset Depletion – Increase client purchasing power by calculating assets into qualifying income.
- Condo Condotel – Super Jumbo Condo and Condotel Florida mortgage lenders for Unique properties.
- Pledged Asset – Jumbo cashouts up to 90%(stocks, mutual funds, etc.) without liquidating.
- Refinance Florida Home While Listed For Sale – Cashout refinance while listed for Sale on MLS.
- 3.5% Down Self-Employed, ITIN, Florida Mortgage Lenders
- 1099 Mortgage Lenders: Use 1099 Income to qualify for up to 100% deposits for income.
- Florida Condo Mortgage Lenders:: Non-Warrantable: Condotel:: Co-op
- FHA Mortgage loans have easier qualifications / FHA Refinance down to 500+ Credit
Florida Mortgage Niches
- We save loans! Rush closings are available.
- Private Florida Mortgage Lenders for Non-warrantable Co-ops, Condotels, and Condos, including small units with less than 500 square feet, studios, efficiencies, lofts, kitchenettes, etc.
- Unique Florida properties including unpermitted additions, manufactured outbuildings, multi-units, mixed-use, deed restrictions, and more
- No Credit and Limited Credit programs, including No Credit Florida Jumbo Mortgages
- An asset depletion program that can be coupled with all programs and other income
- Cash-out with no seasoning – unlimited cash in hand – cash out on Florida homes listed for sale. Cash-out can be used as reserves.
- Gift of equity, gifted reserves, and gifted down payment allowed on investment properties
- Acreage and hobby farms with no acreage limit and AG zoning are ok
- Removal of departing residence from DTI and reserves if 30% or more equity is present. Must be listed for sale by the close date
- One-time expenses, section 179 deductions, one-time losses, carry forward losses, notes due in 1 year, startup costs, Self-Directed IRA/SEP, and more – these are priced as Full Doc.
- Short-time self-employed borrowers and /or 1-year tax return program at lower levels priced as Full Doc
- Foreign National, Work Related Visas, Treaty Visas, Student Visas, J-Visas, DACA, and EAD, OPT, CPT permits – no credit required
- Funding / Titling in LLC allowed for investment properties
- Non-occupant Co-X allowed on rate term refi, cash-out refi, second homes, and purchases with true blended ratios
- Removal of alimony AND child support from the income vs. adding as a liability
- Use of departing residence rental income allowed with no lease, security deposit, or landlord history
Wide Range Of Florida Mortgage Options
Explore our diverse range of mortgage solutions tailored to meet your unique financial needs. From first-time FHA, VA homebuyers to short-term rental investor loans, we have the perfect mortgage program for you. Whether you are looking for a NON-QM mortgage program for a Luxury Jumbo mortgage or a condo or cash-out refinance of your home listed for sale, we have a personalized solution for your unique situation. For self-employed borrowers, we offer several mortgage alternatives that include bank statement-only mortgages, 1099, no tax return, voe, no income, profit loss, Foreign National, ITIN, No Doc Investor, P&L, Co-op loans, Cross collateral, pledged Assets to purchase or refinance Florida real estate. In addition, Florida mortgage lenders for condos, both warrantable and non-warrantable, co-ops, or even a condotel, can be an attractive option. Now you can cash out and refinance your Florida condo listed for sale on the MLS.
Florida Jumbo Mortgage Options
Primary residence, 2nd home, and investment homes are allowed. Highly competitive Jumbo and Super Florida Mortgage loans up to 30MM for single-family Jumbo Co-op-Condotels-Condos. These are great for are for self-employed people with no tax returns, using VOE, bank statements, or 1099 to qualify with Super Jumbo interest rates, flexible terms, and tailored for Jumbo and Super Jumbo luxury homes. Even nonresident Jumbo Florida mortgage lenders
Florida Mortgage Lenders
At Coast2Coast Mortgage Lending, we have access to over +100 wholesale Florida mortgage lenders. Thomas Martin is located in Hollywood, FL. We offer more options, more transparency, and a simpler way to find the right mortgage loan for your special refinancing situation or home-buying situation.
