#whatyouneedformortgage

[floridahomeoftheday]

❤❤❤FHA Mortgages 👌👌👌 The FHA Mortgage (Federal Housing Authority) is the traditional first time buyers program. The federal government simply insures for the bank the mortgage against a default. Loans are approved and issued by bank. It is offered by virtually every bank – with big differences in who gets approved. It makes a difference with whom you apply. Example: many large and well known banks will require that you have a 620 or 640 credit score, will have their own limits on how much you can borrow, and will not look at your extenuating circumstances. Most mortgage brokers work with lenders that allow for lower credit scores. And easier to get final approvals. 580 for 3.5% down, or 10% down, 500 to 579. #CreditScoreNeededForMortgage #CreditScore #FHAMortgages #FloridaLoanOfficer #FloridaMortgageBroker #RealEstate #Homeloans #FHAMortgage #CreditScore #WhatYouNeedForMortgage #Homeloans #FHA #SarasotaMortgage #PurchaseMortgage #FloridaRealEstate #SarasotaRealEstate #TampaRealEstate #OrlandoRealEstate #MiamiRealEstate #JacksonvilleRealEstate #BradentonRealEstate #StPetersburgRealEstate #buyingahome #homebuying #househunters #realtorlifestyle #realty #listingagent #realestate #realestateservices https://www.instagram.com/p/ByFXzpTno6Z/?igshid=15mmsle1shls3

[floridahomeoftheday]

💰Mortgages🙌 Cash When Getting a Mortgage – Avoid It Simple rule, paychecks are OK to deposit. Everything else is suspect. Check first with your loan officer. #CreditScoreNeededForMortgage #CreditScore #FHAMortgages #FloridaLoanOfficer #FloridaMortgageBroker #RealEstate #Homeloans #FHAMortgage #CreditScore #WhatYouNeedForMortgage #Homeloans #FHA #SarasotaMortgage #PurchaseMortgage #FloridaRealEstate #SarasotaRealEstate #TampaRealEstate #OrlandoRealEstate #MiamiRealEstate #JacksonvilleRealEstate #BradentonRealEstate #StPetersburgRealEstate #buyingahome #homebuying #househunters #realtorlifestyle #realty #listingagent #realestate #realestateservices https://www.instagram.com/p/ByC1e2WHbzm/?igshid=nl827bmms1xm

[floridahomeoftheday]

Raging Bull, Robert DiNiro as Giacobbe "Jake" LaMotta, the Bronx Bull, 1980, directed by Martin Scorsese. #FloridaMortgageBroker #RealEstate #Homeloans #FHAMortgage #CreditScore #WhatYouNeedForMortgage #Homeloans #FHA #SarasotaMortgage #PurchaseMortgage #FloridaRealEstate #SarasotaRealEstate #TampaRealEstate #OrlandoRealEstate #MiamiRealEstate #JacksonvilleRealEstate #BradentonRealEstate #StPetersburgRealEstate #buyingahome #homebuying #househunters #realtorlifestyle #realty #listingagent #realestate #boxing https://www.instagram.com/p/Bx3lcAAnb3x/?igshid=ie8d5yc1kx9g

[floridahomeoftheday]

:😎 😎 😎Home of the day A Waterpark, Wine Cellar and An Art Galler 😹 😹 😹 Address 16155 QUIET VISTA CIRCLE, Delray Beach Layout: 10,391 SWFt, 6 Bed, 7.5 Bathe Price:  $7.550 Taxes:   $59,606 HOA:     $1,798 10% Down:        $755,000 Closing Cost:    $128,014 Cash to Close:   $883,014 Monthly :        $46,772 What I Like:    As far as wine cellars go, this one is bright, cheerful. It is as if Splash Mountain in your backyard. Notes:  Modern Mediterranean estate designed by Brenner Architecture Group and custom built in 2016. This entertainer's showplace features a dramatically elegant living room, banquet-size dining room, wine room, fitness studio, and sumptuous master wing. The resort-style terrace with fountained Splash-Zone Water Park is by a parterre garden Listing Agent:  Mark Nestler, ONE Sotheby's International Realty   #BestMortgages #FHAvsCONVENTIONAL #FloridaMortgageBroker #CreditScoreforMortgage #RealEstate #Homeloans #FHAMortgage #CreditScore #WhatYouNeedForMortgage #Homeloans #FHA #SarasotaMortgage #PurchaseMortgage #FloridaRealEstate #SarasotaRealEstate #TampaRealEstate #OrlandoRealEstate #MiamiRealEstate #JacksonvilleRealEstate #BradentonRealEstate #StPetersburgRealEstate #buyingahome #homebuying #househunters #realtorlifestyle #realty #listingagent #realestate #realestateservices https://www.instagram.com/p/Bx10i1nn2NW/?igshid=fleop52brbuz

[floridahomeoftheday]

🙌 The Best Mortgage Programs 😍 Which mortgage program is the best? The answer is: the one that you best qualify for mortgage. The 2 best mortgage programs are VA and USDA mortgages, because these are $0 down, no or very low private mortgage insurance, and low credit scores to qualify (500 for VA and 580 for USDA.) If you are not a VET or looking at a USDA property, the simple answer is: which one gets you the mortgage for the house you want. If your credit score is under 620, or if you have less than perfect credit over the last 2-3 years, then an FHA Mortgage is best for you. #BestMortgages #FHAvsCONVENTIONAL #FloridaMortgageBroker #CreditScoreforMortgage #RealEstate #Homeloans #FHAMortgage #CreditScore #WhatYouNeedForMortgage #Homeloans #FHA #SarasotaMortgage #PurchaseMortgage #FloridaRealEstate #SarasotaRealEstate #TampaRealEstate #OrlandoRealEstate #MiamiRealEstate #JacksonvilleRealEstate #BradentonRealEstate #StPetersburgRealEstate #buyingahome #homebuying #househunters #realtorlifestyle #realty #listingagent #realestate #realestateservices https://www.instagram.com/p/Bx1zjwtHB4u/?igshid=utqixmppx9n8

[floridahomeoftheday]

💲Down Payments Needed for Mortgage 👌 The down payment for your mortgage varies by your credit score and the loan program you are applying. With the exception of very limited programs and limited homebuyers, your down payment has to be brought by you or as a gift. The seller or realtor cannot help you on the down payment. Only on closing costs. Your down payment can come from savings, retirement funds, IRS refunds or gifts from family members. The State of Florida from time to time offers down payment assistance. This is also OK. #FHA #Mortgages #WhatYouNeedForMortgage #Homeloans #PurchaseMortgage #buyingahome #homebuying #househunters #realtorlifestyle #realty #listingagent #realestate #realestateservices #realestateflqoridabuyers #realestateagent #realestatelife #RealEstateBroker #realestateagents #realestatebrokers #floridarealestate #floridarealtor #floridahomes #FloridaRealEstate #SarasotaRealEstate #TampaRealEstate #OrlandoRealEstate #MiamiRealEstate #JacksonvilleRealEstate #BradentonRealEstate #StPetersburgRealEstate https://www.instagram.com/p/BxwjlKaHh7p/?igshid=pddpo67kz5v2

[floridahomeoftheday]

💲 💲 💲Down Payments Needed for Mortgage 👌 👌 👌 The down payment for your mortgage varies by your credit score and the loan program you are applying. With the exception of very limited programs and limited homebuyers, your down payment has to be brought by you or as a gift. The seller or realtor cannot help you on the down payment. Only on closing costs. Your down payment can come from savings, retirement funds, IRS refunds or gifts from family members. The State of Florida from time to time offers down payment assistance. This is also OK. Here is a list of popular loan programs and the minimum down payment. The percent listed is price of the house you are buying: • Conventional - First Time Home Buyers – 3% down - 620 credit score • Conventional – Others - 5% down – 620 credit score • FHA - $0 down - for limited qualified buyers - 640 credit score • FHA - 3.5% down - 580 credit score • FHA - 10% down - 500 credit score • VA - $0 Down - - 500 credit score • USDA - $0 Down - 580 credit score • Jumbos – 10% to 20% Down – 580 credit score • No Tax Returns – Use 1 Month Bank Statement – 20% down – 720 Credit Score, for Self Employed Only. • No Tax Returns – Use 12-24 months Bank Statements– 10%-25% down, from 500 Credit Score, the better your credit, the lower the down payment, for Self Employed Only. #FirstTimeHomebuyers, #FHA, #Mortgages, #WhatYouNeedForMortgage, #Homeloans, #FHA , #PurchaseMortgage chris@chrisluis.com, 800-991-368 #FloridaHomeofTheDay, #realestate, #florida, #FLoridaHomes, #FloridaRealEstate, #HomeoftheDay, #instagood, #photooftheday, #beautiful, #happy, #picoftheday, #life, #style, #amazing, #instagram, #Sarasota, #photography, #photo, #ChrisLuis, #mortgages, #FloridaMortgageBroker, #Homeloans, #LoanOfficer, #Sarasota, #HistoricFlorida. https://www.instagram.com/florida_home_of_the_day/p/Bw4e1CUAxL5/?utm_source=ig_tumblr_share&igshid=1qk0ksua2zy98

[floridahomeoftheday]

💲 💲 💲Down Payments Needed for Mortgage 👌 👌 👌 The down payment for your mortgage varies by your credit score and the loan program you are applying. With the exception of very limited programs and limited homebuyers, your down payment has to be brought by you or as a gift. The seller or realtor cannot help you on the down payment. Only on closing costs. Your down payment can come from savings, retirement funds, IRS refunds or gifts from family members. The State of Florida from time to time offers down payment assistance. This is also OK. Here is a list of popular loan programs and the minimum down payment. The percent listed is price of the house you are buying: • Conventional - First Time Home Buyers – 3% down - 620 credit score • Conventional – Others - 5% down – 620 credit score • FHA - $0 down - for limited qualified buyers - 640 credit score • FHA - 3.5% down - 580 credit score • FHA - 10% down - 500 credit score • VA - $0 Down - - 500 credit score • USDA - $0 Down - 580 credit score • Jumbos – 10% to 20% Down – 580 credit score • No Tax Returns – Use 1 Month Bank Statement – 20% down – 720 Credit Score, for Self Employed Only. • No Tax Returns – Use 12-24 months Bank Statements– 10%-25% down, from 500 Credit Score, the better your credit, the lower the down payment, for Self Employed Only. #FirstTimeHomebuyers, #FHA, #Mortgages, #WhatYouNeedForMortgage, #Homeloans, #FHA , #PurchaseMortgage chris@chrisluis.com, 800-991-368 #FloridaHomeofTheDay, #realestate, #florida, #FLoridaHomes, #FloridaRealEstate, #HomeoftheDay, #instagood, #photooftheday, #beautiful, #happy, #picoftheday, #life, #style, #amazing, #instagram, #Sarasota, #photography, #photo, #ChrisLuis, #mortgages, #FloridaMortgageBroker, #Homeloans, #LoanOfficer, #Sarasota, #HistoricFlorida.       https://www.instagram.com/florida_home_of_the_day/p/Bw4e1CUAxL5/?utm_source=ig_tumblr_share&igshid=19b9w153sa49t

[floridahomeoftheday]

Wolfie Cohen’ Rascal House, popular Jewish deli, post card circa 1960, Miami, Florida. #miami, #miamimodern, #ILoveFlorida,#FloridaHomeofTheDay,#realestate, #florida, #FLoridaHomes, #FloridaRealEstate, #HomeoftheDay, #instagood, #photooftheday, #beautiful, #happy, #picoftheday, #life, #style, #amazing, #instagram, #Sarasota, #photography, #photo, #HistoricFlorida, VintageFlorida, #FloridaMortgageBroker, #Homeloans, #LoanOfficer, #Sarasota, #SarasotaFlorida, #HistoricFLorida, #ChrisLuis, #FirstTimeHomebuyers, #FHA, #Mortgages, #WhatYouNeedForMortgage, #Homeloans, #FHA , #PurchaseMortgage https://www.instagram.com/florida_home_of_the_day/p/Bw4qWH8AzwQ/?utm_source=ig_tumblr_share&igshid=1r5e8kprzj164

[floridahomeoftheday]

Wolfie Cohen’ Rascal House, popular Jewish deli, post card circa 1960, Miami, Florida. #miami, #miamimodern, #ILoveFlorida,#FloridaHomeofTheDay,#realestate, #florida, #FLoridaHomes, #FloridaRealEstate, #HomeoftheDay, #instagood, #photooftheday, #beautiful, #happy, #picoftheday, #life, #style, #amazing, #instagram, #Sarasota, #photography, #photo, #HistoricFlorida, VintageFlorida, #FloridaMortgageBroker, #Homeloans, #LoanOfficer, #Sarasota, #SarasotaFlorida, #HistoricFLorida, #ChrisLuis, #FirstTimeHomebuyers, #FHA, #Mortgages, #WhatYouNeedForMortgage, #Homeloans, #FHA , #PurchaseMortgage       https://www.instagram.com/florida_home_of_the_day/p/Bw4pu0YgO7k/?utm_source=ig_tumblr_share&igshid=1qqjsrm9ouw7e