This is a good page to visit if you are not sure which mortgage is best for you. Even better just give me a call.

Mortgage loans for Florida in West Palm Beach

I have every conceivable mortgage loan program at my fingertips. I take pride in being able to do a loan that someone else can't. When this happens the customer is usually so happy that they tell the world about what a great deal they received and that is good for future business!

Mortgage Loan Programs

If you are at the beginning of the mortgage process, and you may be unsure about what loan program is right for you, please give me a call. I will show you several at the same time.

 For the most part, 90% of the loans we write are Conventional Mortgages or FHA Mortgages or Jumbo Mortgages

Mortgage Loan Programs: 

ConventionalFinancing  Also known as Fannie Mae and Freddie Mac which are your bread and butter programs where the customer usually puts 20% down to avoid mortgage insurance. Good/Excellent credit customers starting at a 620 credit score.Typically 80% financing or less.

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FHA Options  Purchase 96.5%financing, 95% with a 5% gift, 97% Rate and term refinance, 85% cash out Refinance

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FHA Streamline Refinance  Excellent program fro existing FHA customers. We can do a loan without an appraisal just as long as there is no cash out and the new loan is less than the old loan. Great loan for folks who are upside down on the value of their home.

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USDA 100% financing for customers who wish to purchase in rural areas. existing USDA customers can refinance with the same program

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H.A.R.P(Refi) Great loan program for Fannie Mae customers who had equity in their homes but lost it due to falling home values. This program has two options. one that goes to 105% and another that goes to 125%. If your initial loan had PMI we need to run the deal on line to determine if the new loan requires PMI.

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Freddie Mac Home Relief - Great loan program for Freddie Mac customers who had equity in their homes but lost it due to falling home values. This program has two options. one that goes to 105% and another that goes to 125%. If your initial loan had PMI we need to run the deal on line to determine if the new loan requires PMI.

AdjustableRates  Adjustable rates are amazingly low right now. These adjustable loans have very low margins unlike the nightmare adjustable rates associated with the sub-prime meltdown that took place

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SuperJumbos I have access to amazing jumbo and super jumbo pricing. When dealing with loans this size it is very difficult to find good fixed rates but the 5,7 and 10 year adjustables are priced very low. Jumbo and super-jumbo customers should stay on top of pricing because there is so much potential for savings involved

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$100 Down Program This is an amazing loan program sponsored by HUD for customers who wish to purchase FHA owned foreclosures. there is not a huge list of potential homes to buy but I have a convenient link to look up homes in your area

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95% Financing without Mortgage Insurance Fannie Mae offers a very aggressive program for customers who wish to buy a Fannie Mae owned foreclosure. Just like the $100 program there is a limited inventory of these homes but you may be able to find a deal

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Bad Credit Loans - SubPrime loans no longer exist but I do have options through FHA that allow for borrowers with comprimized credit. 580 minimum credit score required and we will need to show at least three good tradelines. These loans are done on a case by case basis. please tell me your story and I will let you know if you have a shot.

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Gas Station Loans I love doing gas station loans. If you are a gas station owner who owns the land where the gas station is located, I would like to talk with you

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Eliminating PMI  Over the last year or so there has been a trend developing for an increasing amount of cash in mortgages. It is very possible to eliminate PMI or monthly mortgage insurance if your home has increased in value or you have accumilated equity by paying your mortgage

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Home Equity Lines of Credit Helocs used to be much more common than they are today. I still have lenders that will write a 90% Heloc with no closing costs. If your home is in an area of declining values then the maximum we can do is 80%

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