The Mortgage Team is licensed with over 80 lenders that offer government loans.   With unparallel expertise as to the many programs available, we will find the bank that offers the right program for your mortgage needs.

 

**The Mortgage team is a referral partner**

 

LOAN TYPES:

 

FHA - Federal Housing Administration  

• FHA 203(b)

• Only 3.5% required down payment 

• Seller can contribute up to 6% of sales price to closing costs & prepaids

• Gift funds and allowed from family members or non-profit organizations 

• No cash reserves are required 

• No income limits 

• 85% cash out refinance is available. 

• Streamline FHA to FHA refinances are available 

• Low monthly mortgage insurance rates

 

FHA loans limit the amount that can be borrowed by county. Below you will find a link to the FHA Loan Limits per County.   Click Here

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For additional information or to schedule a  complimentary consultation with one of our mortgage experts, please call The Mortgage Team at 407-339-5222 or 800-865-0001.

 

VA - Vetern Affairs home loan | click here

 

• 100% financing with no monthly insurance payment 

• Loans up to (call for loan maximums) 

• Purchase and refinance loans available 

• No limit on income or geographic location 

• Available to veterans who served the minimum duty with other than a dishonorable discharge, active duty with at least 181 days of duty, un-remarried surviving spouse of eligible veteran (COE), & National Guard/Reservist 

• Want to see how much you are eligible for or need your Certificate of Eligibility (click here)

 

USDA - Rural Development Loans | click here

 

• 100% financing with no mortgage insurance 

• Generous income limits based on 115% US median.  Click here to view Florida income limits

• No maximum purchase price limit 

• Great 30 year fixed rates 

• Property must be located in a rural designated area. 

 

FHA 203(k) - Click here for a more detailed info.

 

• Renovation mortgage which allows a borrower to purchase or refinance a property including the cost of the renovation or addition as a part of the mortgage 

• Equity is not needed to add improvements 

• Renovation closing costs and the costs to refinance can be included in the loan

• Realtors can use renovation to improve a property they list or to sell a property that is not moving

• Appraisal is required but is based on the after-improved value of the property

• Minimum of $5,000 - No maximum

 

For additional information or to schedule a complimentary consultation with one of our mortgage experts, please call The Mortgage Team at 407-339-5222 or toll free at 800-865-0001.