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Mortgage Options

  • FHA FLORIDA MORTGAGE LENDERS – Min 3.5% down payment minimum 540 fico or 10% down with a 520 fico. Seller paid closing cost up to 6%. Gift from family OK!  Pineyro Capital Group’s FHA Mortgage Lenders can approve your purchase of a Florida home 3 years after a foreclosure, 2 years after a chapter 7 bankruptcy and 12 months after a chapter 13 bankruptcy. Please Note – The 3 year waiting period after a foreclosure starts when the title/deed is transferred out of your name.

 

  • VA FLORIDA MORTGAGE  100% VA loan financing with a minimum 530 credit score. Seller paid closing cost up to 4% of the purchase price. Purchase a Florida home using VA certificate of eligibility or/and DD214 – waiting only 2 years after a foreclosure or bankruptcy.

 

  • PORTFOLIO FLORIDA LENDERS – Purchase 1 day out of Foreclosure, Short Sale, Bankruptcy down to a 500 credit score. Loans up to 1 million with credit scores down to 500. Up to 80% LTV. 30 year fixed no prepayment penalty.

 

  • BANK STATEMENT FLORIDA ONLY LENDERS – Must be self-employed a minimum of 2 years. Must have 3 trade lines for 12 months on the credit report. Transfers from business account OK! All persons listed on bank statements must be used on the loan application. No tax returns needed. 24 months personal bank statements used to qualify. Up to 80% LTV up to 50% DTI. No seasoning after a Florida short sale or Florida foreclosure. 2nd homes and investment properties OK!.

 

  • JUMBO FLORIDA MORTGAGE – Your mortgage amount exceeds the current conforming home loan limit (in most cases $417,000), a Jumbo loan is likely the best choice for you. 

 

  • INTEREST ONLY FLORIDA MORTGAGE – An interest only mortgage is great if you are interested in the lowest possible monthly payment for an initial period of time.

 

  • FLORIDA REVERSE MORTGAGE LENDERS – Homeowners over 62 that do not own much on their home can tap into their equity to spend how they wish.

 

  • ADJUSTABLE RATE FLORIDA MORTGAGE (ARM) – Savvy borrowers will want to take advantage of the lowest rate available with an adjustable rate mortgage! It’s a great loan option if rates are on the decline or you’re staying in your home for a short time. 

 

  • BAD CREDIT FLORIDA MORTGAGE – We get borrowers approved every day to purchase a Florida home with a bad credit past. FHA mortgage and VA mortgage approvals are among the easiest loan programs for Florida bad credit mortgage applicants.

 

  •  NO CREDIT SCORE FLORIDA MORTGAGE LENDERS – Florida mortgage applicants with no credit score get approved every day to purchase a Florida home with no credit score or lack of credit using alternate trade lines.

 

  • MANUFACTURED AND MODULAR FLORIDA HOMES – USDA
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