|Our loans and programs.
If you are interested in buying a home in the United States, you owe it to yourself to contact Ammy Kogan at 786-389-9965 or email her at firstname.lastname@example.org We are dedicated to helping buyers find the right loan that will get them into the home of their dreams, even if their credit is less than perfect. Letís face it; many consumers have blemishes on their credit that have made it difficult in the past to obtain any type of financing for a home. We realize that bad things can happen to good people, and not all credit problems indicate reckless spending or poor decision-making. Circumstances such as divorce or the death of a spouse can send anyone into a downward spiral financially, which unfortunately can wreak havoc on oneís credit report. You can rest assured knowing that our professionals will work hard on your behalf to get you the Florida mortgage loan you need to get into a home. Ammy Kogan makes buying a home in Florida an exciting and pleasant experience, regardless of your credit.
|Refinance Your Home|
|Rates below Prime Rate
**Can close in as little as 1 day
12 Months of bankstatements can equal a full documentation loan. This means you can get a mortgage loan at a low interest rate.
100% Interest Only Home Equity Line
Did you buy last month and need to refinance? No Problem!
I have the most incredible No Seasoning Products available. Refinance out of that hard money loan and get a low interest rate.
|Home Loans, low Interest rates,Mortgages for foreigners, Home Equity Lines
**FORECLOSURE LOANS**100% FOREIGN NATIONAL WITH SOCIAL SECURITY NUMBER FINANCING FOR REAL ESTATE PURCHASE****** ALL VISA TYPES CONSIDERED. FROM 80% TO 100% MORTGAGES. MUST HAVE A SOCIAL SECURITY NUMBER OR ITIN NUMBER FOR FOREIGN NATIONAL MORTGAGES. ALL PROPERTY TYPES IN FLORIDA CONSIDERED. CONTACT AMMY FOR MORE DETAILS AMMY@HUSHMAIL.COM The selection is vast and we are here to assist with any and all questions that you may have about your new mortgage. If there is anything that I may be of assistance, for this new mortgage. Even, if you have questions, contact me anytime at the numbers indicated below.
Se Habla EspaŮol
100% Investor Loans
Close in less than 14 days guaranteed
Refinance out of the hard money loan
Now offering Foreign National Mortgages of between 80& AND 100% FOR THOSE WHO QUALIFY WITH SOCIAL SECURITY NUMBER OR ITIN NUMBER. FOREIGN NATIONAL MORTGAGES IN FLORIDA ONLY.
Realtors, are you looking to create more sales?
How about a no frills loan option?
Complete files for good credit borrowers, can close in 1 day.
Is your borrower in a bad credit situation?
Close in 1 day with a complete file.
I know that you possibly already have an in-house lender but I would like to ofer your clients more options, better and more flexible products.
I am only trying to get your borrowers approved without the headaches.
Send me one of your files, and see the difference. Mortgages for foreigners, home loans for foreign national, no doc loans, mortgages for Visa holders, Visa resident, Green card holders.Nationwide mortgages . No income verification loans. No doc mortgages , no doc loans
|100% Investor Loans
Non warrantable condos
No Seasoning on Title Loans
Get a mortgage 24 hours after discharged bankruptcy
Lot Loans & Refinance
Mortgages for scores below 600
80%-100% Easy Foreign National Mortgage Loans
Direct line 1-305-527-3584
Monday through Friday
Send E-Mails to email@example.com
|Yahoo Handle firstname.lastname@example.org|
|My URL: http://oocities.com/hipotecasmiami/|
|My E-Mail email@example.com|
|Florida Mortgage Factsģ not fiction|
Applicable to Investment (non-owner occupied) transactions only.
How to obtain a
mortgage on a
It is easier to apply for a mortgage when initially buying a property for investment purposes than applying for refinancing (cash out) at a later stage this is because the bank that grants these loans have found a greater default rate with refinance mortgages. Indeed only one bank will underwrite refinance transactions which severely limits the choice of programmes.
The maximum loan amount on any non-owner occupied investment property is $350,000
Short-term rental properties (which are determined by the area the property is zoned in as opposed to the owners intention to rent) are subject to a 5% reduction in maximum loan-to-value.
Properties titled to a corporation or LLC are subject to a 5% reduction in maximum loan-to-value.
Even when property is titled to a corporation or LLC an individual is still considered the borrower and must supply the required personal identifying information.
The above conditions apply to self-certified transactions. See exceptions below for fully documented transactions.**
A strong asset base (cash, equities, bonds etc) shown by borrower and documented by statements is always a major plus point and can lead to exceptions being made.
** In a fully documented investment property purchase (proven income, assets, source of funds and use of property) loan amount exceptions can be made to increase the maximum loan to $650,000
Purchase of a home for your personal use (2nd home, holiday/vacation home) may not be considered an investment and is therefore not subject to the restrictions shown above. Loan amounts up to $1.5M are available for these transactions.
These are the facts. Obtaining a mortgage as a Foreign National in Florida is quite straightforward and does not need to be complicated as long as you are in possession of the facts. Check references before acting on any advice.
If you are buying or refinancing a home
If you are applying for a home equity loan
Getting qualified before you apply for a loan can help you understand how much you can borrow.
When buying a house, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. A pre-qualification is not as beneficial as a pre-approval where you have to go through a more rigorous process which includes verification of your credit, income, assets and liabilities. It is highly recommended that you get pre-approved before you start looking for a house. This will help you:
To shop for a loan you will need to:
Once your loan application has been received we will start the loan approval process immediately. This involves verifying your:
Based on your specific situation, additional documents or verifications may be required. To improve your chances of getting a loan approval:
After your loan is approved, you will be required to sign the final loan documents. This will normally take place in front of a notary public. Be prepared to:
Your loan will normally close shortly after you have signed the loan documents. On refinance and home equity loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close.