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MIAMI-DADE COUNTY FL FHA MORTGAGE LENDERS

MIAMI-DADE COUNTY FL FHA MORTGAGE LENDERS
DOWN PAYMENT ASSISTANCE MIAMI FLORIDA MORTGAGE PROGRAMS
100% NO MONEY DOWN FLORIDA MORTGAGE LENDERS KEY POINTS

100% NO MONEY DOWN FLORIDA MORTGAGE LENDERS KEY POINTS

  • Min 640 credit score is required for no money down mortgage lenders.
  • Must DU approved – Computer must approve you for no money down Florida mortgage lenders.
  • Min 640 – 659 max Debt to Income Maximum 45% for housing plus all other payments on your credit report.
  • NO late payments- Requires VOR or verification of rent history for most recent 12 months.
  • Cannot payoff debt to qualify after we pull your credit. Better to pay down debts first before applying for no money down Florida mortgage lenders.
  • No Delinquent taxes –  Taxes must be current .
  • NO NSF in the last 12 months with possible 1 exception.
  • Income limits apply based on county for no money down Florida mortgage lenders.

Florida Down Payment Assistance Mortgage Lenders

The 100% NO money down Florida mortgage loan program is designed to increase home ownership opportunities
for Florida individuals and families. DAP funds available, 3% up to 6% of the first mortgage loan amount. This 100% NO money down Florida mortgage loan program is a purchase money first lien mortgage with Down Payment Assistance is in the form of a soft second lien or a 2nd mortgage with a 5-year term, forgiven at month 61, as a 0% interest second lien. This 100% NO money down Florida mortgage loan program requires you to remain current on their first mortgage for the second mortgage to be forgiven.

100% NO MONEY DOWN MIAMI FLORIDA HOME BUYERS CHECKLIST

  • No requirement to  be a first time home buyer.
  • Must have a minimum 640 credit score
  •  Must have Max Debt to income of 45%.
  • Must meet Income Limits (up to 140% AMI)
  • First lien is a 30-year fixed term with full amortization
  • 203(b) in accordance with FHA guidelines
  • Primary residence 1-4 units single family is allowed.
  • DAP funds available, 3% to 6% of the first mortgage loan amount.
  • What if I live rent free? Yes (If Borrower does not have current housing history, then 3
    months reserves (PITIA) are required)
100% NO MONEY DOWN FLORIDA MORTGAGE LENDERS KEY POINTS
  • Min 640 credit score is required for no money down mortgage lenders.

 

  • Must DU approved – Computer must approve you for no money down Florida mortgage lenders.

 

  • Min 640 – 659 max Debt to Income Maximum 45% for housing plus all other payments on your credit report.

 

  • NO late payments- Requires VOR or verification of rent history for most recent 12 months.

 

  • Cannot payoff debt to qualify after we pull your credit. Better to pay down debts first before applying for no money down Florida mortgage lenders.

 

  • No Delinquent taxes –  Taxes must be current .

 

  • NO NSF in the last 12 months with possible 1 exception.

 

  • Income limits apply based on county for no money down Florida mortgage lenders.

FHA MORTGAGE LENDERS – Did you know that the FHA mortgage program typically only requires a 3.5% down payment with a min 580 FICO and 10% down payment under a 580!!! In additions FHA allows the seller to credit up to 6% to cover your closing cost and prepaid. Note we do not charge any lender fees. When you purchase a Florida home there are always 3rd party cost involved that include. Prepaid taxes, insurance, docs stamps, mortgage stamps, intangibles, title closing cost including insurance, survey, recording charges ect.

Searving all Florida Mimai Areas including including for zip codes: 33102, 33125, 33126, 33127, 33128, 33129, 33130, 33131, 33132, 33133, 33135, 33136, 33137, 33138, 33142, 33144, 33145, 33149, 33150, 33194.

WHAT IS AN FHA MORTGAGE? FHA mortgage loans have been helping people become homeowners since 1934. FHA Loans are backed by the Federal Housing Administration (Also known as FHA).  FHA insures private Florida FHA approved mortgage lenders so they can offer loans to riskier borrowers with a lower down payment requirement. For example: FHA loans typically have a lower down-payment and better loan rates for borrowers with lower credit scores.

Welcome and thank you for visiting US Mortgage Lenders webpage. We are local Miami-Dade County Florida mortgage lenders.  We are available to answer any questions you might have 24/7.

US Mortgage Lenders professionals have earned their excellent 5 star zillow and google reviews by opening more doors to homes in Miami-Dade County Florida than your average Florida lender. To discuss any of our full service Miami-Dade County Florida programs including, FHA minimum score 550, FHA Cash Out and Streamlines refinancing, Private lenders, Jumbo Loans, VA Mortgage loans down to 550 and Foreign National Loans. Note All Subject to change without notice.

MIAMI-DADE COUNTY FL MORTGAGE LENDERS PROGRAMS INCLUDE:

fha-mortgage-lenders-info

MIAMI FL BANK STATEMENT ONLY MORTGAGE LENDERS – NO TAX RETURNS!

Miami FL Self-Employed Mortgage Lenders

 

 

 

 

 

 

 

WE ARE LOCAL MIAMI-DADE COUNTY FLORIDA FHA MORTGAGE LENDERS.

NO TAX RETURN MIAMI MORTGAGE LENDERS SUMMARY

  • Must Document Proof of 2 years Self Employed!
  • No tax return bank statement only mortgage lenders
  • 12-month personal or business bank statements
  • 24-month business or personal bank statements
  • Loans up to $3 million
  • Credit scores down to 600
  • Rates starting in the 4’s
  • Up to 90% LTV on Personal and Business with no MI
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes and investment properties
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Non-warrantable condos considered
  • Jumbo loans down to 600 score
  • 5/1 ARM or 30-year fixed
  • No pre-payment penalty for owner-occ and 2nd homes
  • Seller concessions to 6% (2% for investment)
  • Combination of Bank statements and w2 OK!

MIAMI-DADE COUNTY FL MORTGAGE PROGRAMS

STATED INCOME MIAMI FL MORTGAGE LENDERS PRIMARY HOMES!

https://www.fhamortgageprograms.com/stated-income-loans/

 

STATED INCOME LENDERS for Primary Homes + Same Day Pre Approvals Call 954-667-9110.

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Florida stated income MIAMI mortgage lenders+same day approval!

https://www.fhamortgageprograms.com › FHA › Florida

 

Dec 23, 2016 – FLORIDA STATED INCOME PRIMARY HOMES AND INVESTOR LOANS Call NOW 954-667-9110 Same Day Florida stated income loan Pre Approvals.

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Bank Statement Only MIAMI Florida Mortgage Lenders Min 600+FICO!

https://www.fhamortgageprograms.com/bank-statement-only-florida-mortgage-lender…

 

GET APPROVED NOW 954-667-9110 Bank Statement Only Florida + Georgia Mortgage Lenders Min 600+ FICO!!!!- USE ONLY BANK … Loan Program. Florida and Georgia Stated Income MortgageLenders+Same Day Approval! … Bank Statement Only borrowers that can document their income by providing the following:.

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15 DOWN +MIAMI SELF EMPLOYED FLORIDA MORTGAGE LENDERS

https://www.fhamortgageprograms.com/self-employed-florida-mortgage-lenders/

 

Completely Stated Income to 70% + LTV Non-Owner Occupied. Non-Owner-Occupied Cash Out and up to 20 Properties Financed. We Do Condotels; Non-Warrantable Condos; “Qualify for a Florida mortgagewith only your bank statements, business or personal, with reduced documentation which means no 1040 tax …

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No Income Verification MIAMI Florida Mortgage Lenders

https://www.florida-mortgage-lenders.com/…/2115-no-income-verification-florida-mort…

Florida Coop Mortgage Lenders, Florida Coop Home Loans, Refinance Florida coop. … Most lenders across the continental United States require that borrowers provide income documentation to qualify for a mortgage loan and do not offer no income verification mortgages no … 3.5%MIAMI FL MORTGAGELENDERS.

25% DOWN – STATED MIAMI FLORIDA INVESTOR LOANS

https://www.florida-mortgage-lenders.com/florida-mortgage…/3593-25-down-stated-f…

 

STATED FLORIDA INVESTOR LOANS – STATED FLORIDA INVESTOR MORTGAGE LENDERS.

10% DOWN+MIAMI STATED INCOME FLORIDA MORTGAGE LENDERS-

https://www.florida-mortgage-lenders.com/florida-mortgage…/186-stated-florida-mort…

 

Same Day Approvals Call Now 954-667-9110 Providing Stated Florida home loans in every city and county in Florida! … “Stated Florida income loans are starting to make a small comeback on the secondary market, but only for Florida Mortgage applicants with good credit scores of … 3.5%MIAMI FL MORTGAGE LENDERS.

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  • GIFTS ALLOWED MIAMI-DADE COUNTY FLORIDA FHA MORTGAGE LENDERS – When apply with an FHA mortgage lender you must document where your down payment came from. If you are getting a gift from a family member you must  document the transfer, the documenation is very precise. Make sure the follow the FHA rules for a gift step by step, otherwise you may not be able to use the gift funds! Read more »
  • MODULAR HOME MIAMI-DADE COUNTY FLORIDA FHA MORTGAGE LENDERS – The FHA Title I modular home loan mortgage  may be used for the purchase or refinancing of a manufactured home and land built after 1977, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination. The home must be used as the principal residence and never moved from its original location. In addition you must own or buy the land with home. Read more »
  • HARD MONEY MIAMI-DADE COUNTY FLORIDA BAD CREDIT MORTGAGE LENDERSIf you have large enough down payment and can prove the ability and willingness to pay your bills on time then we may have a hard money lender for you. US Mortgage lenders has access to private lenders and portfolio hard money lenders approving borrowers for loans that your bank will never consider. Read more »

MIAMI-DADE COUNTY FLORIDA MORTGAGE AND CITY DATA 

County population in 2012: 2,591,035 (100% urban, 0% rural); it was 2,253,362 in 2000

County owner-occupied with a mortgage or a loan houses and condos in 2010: 360,923

County owner-occupied free and clear houses and condos in 2010: 122,951

County owner-occupied houses and condos in 2000: 449,333

Renter-occupied apartments: 383,478 (it was 327,441 in 2000)

% of renters here:            42%

State:    33%

Land area: 1946 sq. mi.

Water area: 485.2 sq. mi.

Population density: 1313 people per square mile   (very high).

Mar. 2013 cost of living index in Miami-Dade County: 107.4 (more than average, U.S. average is 100)

10% DOWN+STATED INCOME MIAMI FLORIDA MORTGAGE LENDERS-

https://www.florida-mortgage-lenders.com/florida-mortgage…/186-stated-florida-mort…

 

“There are two main problems that self-employed Florida borrowers face when qualifying for a Florida mortgage,” “First, you need to prove their income with tax returns rather than using a ‘stated income‘ loan.

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STATED INCOME MIAMI FL MORTGAGE LENDERS PRIMARY HOMES!

https://www.fhamortgageprograms.com/stated-income-loans/

 

STATED INCOME LENDERS for Primary Homes + Same Day Pre Approvals Call 954-667-9110.

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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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