Pioneer In Lending For Over 29 Years!
We have the right mortgage for you
Portfolio Residential program
• Foreign National & Domestic Lending
• Creative Documentation
• Common Sense Underwriting
• Closings in 35 days (purchase)
• Lending Throughout All of Florida
• Blanket Loans on Multiple Parcels
• Condos, SFR & Townhouse
• Purchase or Cash Out Refinance
• No Limits on Cash Out up to $10M
• Competitive ARM programs
• Custom Tailored Loans
• All Loans Held in Portfolio
Foreign National Loans
75% LTV up to $1M
70% LTV up to $3M
65% LTV up to $10M
Domestic Loans
80% LTV up to $10M
Including cash out (within 12 months of purchase)
Rates are locked for 45 days from complete submission
Please call for other terms & conditions, and current pricing
We look forward to sharing our creative approach to residential and commercial lending with you
Foreign National - Loan requirements
- Passport & Visa
- Resume of guarantor and description of borrower’s business
- CPA letter must accompany CPA license
- CPA to certify borrowers yearly housing expenses, including any HOA and Mortgage expenses (real estate taxes) for all real estate owned in US or home country
- HOA billing for primary home (if not verified on CPA letter)
- Paid property tax bill for primary (if not verified on CPA letter)
- Most recent 3 months bank statements
- Escrow letter and Earnest Deposit to be verified & sourced
- HR letter including last two years and year to date income, position and start date; include last two months pay stubs; HR or borrower to describe company/business
- Purchase contract and all addendums
- Corporate borrowers require:
- Articles of organization or incorporation
- Certificate of good standing
- Operating agreement
- Certificates of shares (if any)
- Sunbiz print out indicating the entity is active
- IRS letter assigning/confirming the FEI# to the LLC
- Offshore corporation borrowers require:
- Articles of incorporation
- Certificate of good standing
- Certificates of shares
- Evidence shares have been registered
domestic - LOAN REQUIREMENTS
- Two sources of identification
- Professional resume
- Last two years tax returns, both personal and corporate; including all schedules along with W2 and 1099s, if applicable
- Last three months bank statements on all accounts
- Purchase contract, if applicable
- Escrow letter and source of EMD, if applicable
- Primary home expenses, mortgage, taxes and insurance
- Verification of HOA ledger for the last 12 months for subject and non-subject properties, and verification of real estate taxes
- Corporate documents, if applicable