Rates are not published here becasue they can vary based on the program and features of that program applicable to your specific profile and needs. They are subject to change prior to being locked in, they typically change on a daily basis, but sometimes depending on the market may change during any given day. Please contact me to obtain a curent quote.

A variety of programs are available to suite the borrower's needs. The programs will be determined by the type of transaction, your credit profile, your income, assets, debt, and the downpayment or remaining equity( if a refinance).

Florida is still designated a "Declining Market" state, which means that the maximum loan-to-value is limited to 90% ...
but I have 95% ltv available for single family detached and credit score of 720+

The following are the primary programs utilized, but other options are available if neccessary:

Fixed Rate - terms vary from 10, 15, 20, 25, & 30 years

Adjustable Rate / ARM - initial fixed terms of 3,5,7, & 10 years that adjust annually thereafter

Interest Only - for periods up to 10 years

Conforming, Jumbo, & Hard Equity Programs available

Note Sale / Brokerage - sell all or part of privately held financing

Commercial Programs are also available