1-954-667-9110

JUMBO BANK STATEMENT ONLY BAD CREDIT FLORIDA MORTGAGE LENDERS

Bank Statement ONLY Program For FLORIDA Self-Employed Borrowers

  • 24 months business bank statements to 90% LTV w/ no MI
  • 12 or 24-month personal bank statements to 90% LTV w/ no MI
  • Simple third party prepared expense statement required
  • 2 years seasoning FC, SS, BK, or  DIL
  • No tax returns/transcripts required
  • DTI above 35/43 considered with 660+ credit score
  • Loans up to $3 million (minimum loan $150,000)
  • Quick and easy income calculation worksheet provided
  • Credit scores starting at 620 (no multi-family properties)
  • First-time homebuyers OK (subject to additional guidelines)

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Portfolio Select/Alt-A Program (Perfect For Florida Jumbo Borrowers) APPLY NOW 

  • Up to 90% LTV (purchase & R/T)
  • Up to 85% LTV (cash-out) w/ no MI
  • 2 years seasoning FC, SS, BK, or DIL
  • Recently discharged BK 13 to 90% LTV (if paid as agreed 24 Mos)
  • Loans up to $3 million (minimum loan $75,000)
  • Cash out for reserves OK
  • Credit scores starting at 620
  • Max 1×30 mortgage lates OK last 12 months
  • Option to qualify with assets instead of income
  • Asset Depletion program available

Non-Prime Program for jUMbo Florida mortgage applicants With Recent Credit Issues

  • Credit scores as low as 500 (including jumbo  loans)
  • Up to 85% LTV (purchase & R/T) w/ no MI
  • 1 day out of FC, SS, BK, or DIL
  • Up to 80% LTV (cash-out)
  • Loans up to $1 million (minimum loan $75,000)
  • Cash out for reserves OK
  • Mortgage lates are OK
  • DTI up to 50% considered
  • Limited or no trade lines OK to max 75% LTV
  • Max cash-out to $500,000

Investor Cash Flow “No Income” Program (Perfect for Florida Investors)

  • No personal income used to qualify
  • No limit on number of properties financed (5 with AOMS)
  • No DTI restrictions
  • Must have housing history and own a primary home
  • No employment required on application
  • Cash out for reserves OK
  • Mortgage lates are OK
  • DTI up to 50% considered
  • Limited or no tradelines OK to max 75% LTV
  • Max cash-out to $500,000

Florida jumbo Foreign National Program To 75% LTV

  • Up to 75% LTV (Florida purchase or refinance)
  • Simple credit reference letters to satisfy trade lines
  • No US or international credit required
  • No SSN or ITIN required
  • 12 months reserves required
  • Loans up to $750,000 (higher amounts case by case)
  • Reserves can remain in foreign account
  • Minimum loan amount down to $75,000
  • Fewer country restrictions than other lenders
  • DTI up to 50% considered

No Income Asset Qualifier Florida jumbo mortgage lenders  To 75% LTV

  • Up to 75% LTV (purchase or delayed  financing)
  • 5 years seasoning FC, SS, BK, or DIL
  • Credit score of 700+ required
  • Loans up to $3 million (minimum Loan $150,000)
  • No DTI restrictions
  • Requires 60 months of recurring monthly payments post closing
  • No 4506 required
  • Must document minimum $500,000 in post closing assets
  • Primary residence only
  • Assets must be sourced/seasoned for a minimum of 12 months

About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you’re assured of having the backing of an experienced team.

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