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All Types of Mortgages To get a mortgage, you need: money, credit and a loan officer. First, money. You need documented income: pay stubs, w-2s, and tax returns or some steady income such as disability pay. Then, a bank account with money for your down payment. Second, credit. You don’t need excellent credit, you just can’t have really bad credit. This means a 580 score (although you can go down to 500), and nothing bad recently. Unless you want to pay 20-30%. Not too many late payments or car repossession in the last year; no bankruptcy in the last 2 years, no foreclosure-short sale in the last 3 years. You have to pay off any tax liens or court judgment before you can close a loan. And, you need to be current on your student loans. Third, a loan officer. A loan officer figures this process for you. I am a licensed Florida Loan Officer and have helped many homebuyers who thought they never would own a home. If you have poor credit and no money, I still may be able to help. I cannot promise you a mortgage. I can promise that - If there is a mortgage that meets your situation, I will find it.
- That you will know where your stand.
- And, you will always be able to reach me.
Here is the list of some of the most popular loan programs: - FHA: credit score to 580, 3.5% down
- FHA: credit score to 500, for 10% down.
- Conventional: credit score to 620, 3% down if First Time Homebuyer
- USDA: credit score to 580, 0% down
- VA: credit score to 500, 0% down
- Jumbos: credit score to 600, 20%-25% down
- Jumbos: 95% LTV if above 720 FICO
To find out if you are qualified, call me at 800-991-3268, email me or go to my site and fill out an application. You can visit me at www.ChrisLuis.com Chris Luis, Florida Mortgage Loan Officer, State of Florida Loan Officer License #22963, Nationwide Mortgage Licensing (NMLS) #888571. CLuisMortgages, LLC | Florida Broker License # MBR1575 | NMLS #1159714 Minimum $75,000 Florida only. I work with federal and Florida licensed banks.
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(941) 219-4381
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Dulles, VA
Posted on: January 9
We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.We d...
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Austin, TX
Posted on: January 9
What Shape Is Your Home? *Regardless of Condition - WE'LL BUY IT!*Sell To Us FAST - or when the timing is right for you. *Remain In Control Of Sale*Avoid The Costs, Stress and Hassle of Repairs, Realtors!....Not to mention Buyers disrupting your privacy when it's up for sale! *Why List...When You Can SELL direct.*Contact Us For A NO-OBLIGATION CASH OFFER - TODAY!$$$$$ www.HomeAidNow.com $$$$...
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Pearland, TX
Posted on: January 10
Monily – An American Bookkeeping and Taxation service for small and medium size organization. With expert consultants and accountants onboard, Monily aims to simplify, automate and optimize your cash flow structures for entrepreneurs and business owners alike. ...
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Caruthers, CA
Posted on: January 10
Gill Insurance Agencies is a trusted company that works with honest and experienced insurance agents. We render you the right and best insurance policies for your home, vehicle, farm, commercial property, etc. We offer you appropriate administrative assistance, any necessary changes in billing and payments. We provide affordable deals that suit your standards and expectations. To buy cheap and pro...
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West Des Moines, IA
Posted on: January 15
Flagg & Company provides services of income tax preparation, accounting and payroll services, bookkeeping, small business accounting, financial and estate planning, QuickBooks and so much more. They are Licensed Certified Public Accountants, provide an array services to satisfy your personal or business needs. We are licensed professionals who keep it friendly and affordable. For more informatio...
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- Electronic Scams
- Home-based jobs
- Fake Rentals
- Bad Buyers
- Non-Existent Merchandise
- Secondhand Items
- More...
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- When selling, do not put your home address in your ad.
- To avoid scams, buy and sell with people you can meet locally, in person.
- When meeting with someone you don't know, meet in a public place. If that's not possible, have a buddy with you. Also, carry a cell phone; if you feel unsafe, you can call a trusted friend, and stay on the line.
- Never give out financial or private information like account numbers, PayPal login, or social security number.
- If an offer sounds too good to be true, it is. Walk away!
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