FLORIDA MORTGAGE EXPERTS
A Personal Experience with a Touch of Technology
Get your mortgage with the #1 rated local mortgage company. Get wholesale rates and 22 years of experience.
Florida Mortgage Hotline:
(888)429-6601
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Home Buyer Options
Conventional Loan
Credit Score 620 Plus
Low Wholesale Rates
A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie Mac typically require down payments of at least 3%. Borrowers who put at least 20% down do not have to pay mortgage insurance premiums, which are typically required with FHA loans.
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FHA Loan
Credit Score 580 Plus = 3.5% Down
Credit Score 500 Plus = 10% Down
Grants
Credit Score 580 Plus
Forgivable Mortgage Grants
Grants for Homebuyers are available to assist with down payments and or closing costs. Grants at Smart Mortgage Centers are completely forgivable and you are not required to be a first time homebuyer. Our FHA and Conventional grant programs are only available to borrower’s applying for mortgage financing with Smart Mortgage Centers.
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VA Loan
Credit Score – No Minimum
Buy with No Money Down
For eligible veterans and active duty military personnel a VA mortgage loan can be a wonderful benefit to take advantage of. The Department of Veterans Affairs guarantees these loans, which can finance as much as 100% of the value of the property, ensuring low rates and easier qualification guidelines when compared to conventional loans
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USDA Loan
Credit Score 620 Plus
Buy with No Money Down
A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture. We are happy to look up eligible USDA properties or homebuyers can check to see if a property is eligible here. https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
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Non Prime Loans
Bank Statement Programs
ITIN Loans
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Home Renovation Loan
Credit Score 600 Plus
Buy a Fixer Upper
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Manufactured Home
Credit Score 580 Plus
Minimum Loan Amount $60,000
What Is A Manufactured Home Loan?
Manufactured home loans are designed for factory-made homes built on a permanent chassis, and generally come in single or two-section units. This option offers various types of loans for homebuyers: FHA, VA, and conventional loans. Our Licensed Mortgage Brokers are ready to assist you at (888)416-0920.
What Are The Advantages Of A Manufactured Home Loan?
They may be small homes, but don’t be fooled – they come with big benefits. If you’re considering a ditech manufactured home loan, these are some of the advantages:
- Manufactured home loan rates are affordable
- You can choose between a conventional, FHA, or VA loan
- Down payment options as low as 3.5% for FHA and 5% for conventional
- Manufactured homes are environmentally friendly
The Requirements Of A Manufactured Home Loan
To find out if a property qualifies for a manufactured home loan, it makes sense to seek the advice from a lender, like us. But here are some general guidelines:
- The home was built on or after June 15, 1976
- Has no wheels and is designed as a single-family dwelling
- Has a minimum of 400 sq. ft. for an FHA mortgage
- Has a minimum of 600 sq. ft. for a conventional loan
- Is permanently affixed to the property site for more than 12 months
- You have a credit score of at least 580 for an FHA or 620 for a conventional (Other restrictions may apply, depending upon product and State.)
If you like small home living, or If you’re a renter and want to take the first step to homeownership, a manufactured home loan could be right up your alley. A Home Loan Specialist can give you more information on manufactured home loan rates and whether this loan is the right option for you.
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Construction Loan
Credit Score 620 Plus
Construction to Permanent
Conventional Construction Loan
This special loan gives you the opportunity and flexibility to construct a new home. During the construction/draw period, only interest payments are due on the drawn balance, then may be closed with a wide variety of Smart Mortgage Centers loan options once the build is complete. Our construction draw mortgages can be used to build primary residences up to $3M, and secondary homes up to $2.5M.
FHA Construction Loan
The FHA One-Time Close (OTC) loan is a product that allows borrowers to combine financing for a lot purchase, construction and permanent mortgage into one first mortgage loan. Ideally suited for borrowers who are purchasing new construction, the FHA OTC loan offers the benefits of low money down financing, competitive interest rates and one closing for all financing.
And we have now simplified the program even further, with a single administration fee which includes the construction interest, as well as such things as:
- Construction draws
- Title updates
- Any necessary loan modifications
- Construction underwriting
- Construction closing coordination