Let a licensed Mortgage Broker find the right mortgage for you.
Banks have @5 programs.
640-680 Score.
All need income documents.
Tax returns or pay stubs.
They fit you into their programs.
Mortgage Brokers have 20+ Programs.
580 Score may be OK.
Many options to qualify.
I fit the program to you.
Even a No Income Verification Mortgages.
Customers call me their Favorite Mortgage Broker.
To get a mortgage, you need Credit, Money, and a Loan Officer.
Credit means: a 580 Score.
Active Credit.
Such as credit cards or loans.
No active credit then your odds are low.
Not Terrible Credit the last 2 years.
A 580 Score is low.
It cannot be poor credit.
Terrible Credit means: A car repossession the last 12-24 months.
Student loans or child support in collections.
A bankruptcy or foreclosure in the last 2 years.
A Low Score & several lates on auto loans the 12 months.
No Open Credit Items.
Money means Documented Income: pay stubs, w-2s, or tax returns.
Self-Employed and taxable income is low? Use bank statements deposits to qualify.
If you have Credit and Money, you may already qualify.
A Licensed Mortgage Broker Officer figures this for you.
Here is the list of some of my programs:
1\.
Conventional: 620 Score, perfect credit.
3%-5% Down
2\.
FHA: 580, 3.
5% Down.
10% down with under 580 Score.
3\.
Rehab Mortgages – 580 Score, 3.
5% down.
4\.
USDA: 580 Score.
0% Down.
5\.
VA: 560 Score.
0% down.
6\.
Self Employed: Score 580.
Use Bank Statement Deposits as income to qualify.
10%-25% Down, depending on score.
7\.
No Income Verification Mortgages.
$$ in bank for 25% Down and Closing Costs @5%, plus 1 year reserves.
8\.
Investors: 620 Score.
20% Down.
15% down with 680 score.
Qualify on Rental Income.
9\.
Others: Fix & Flip.
New Construction (build own).
Condos.
Manufactured Homes.
Commercial.
Interest based on Score, Loan Program and Loan Size.
Not all applicants qualify.
Step 1: Get a Pre-Approval Letter.
Many realtors will not show you homes without one.
Pre-Approval Steps: have credit pulled with an Official Mortgage Credit Report.
This verifies your mortgage programs.
Income verified (pay stubs and w2s) to determine loan size.
Self-Employed need Tax Returns for traditional loans.
Start now to get Pre-Approved.
Same Day Pre-Approvals.
No Wait.
Chris Luis.
941-219-4381.
chris@chrisluis.
com.
Call, text, write.
Or, go to ChrisLuis.
com and fill out an application.
I work with federal and state licensed banks.
No Hard Money.
MINIMUM LOAN AMOUNT: $100,000
Sunbright Mortgages Mortgage Broker License NMLS#1159714.
Mortgage Loan Officer License NMLS#888571.
To Verify Licensing, visit https://www.
nmlsconsumeraccess.
org/
Loans in South Carolina, Texas, Florida and Pennsylvania for Primary or 2nd Homes.
Nationwide for investors.
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NOTICE REQUIRED BY LAW: This is not a commitment to make a loan.
Loans are subject to credit and money qualifications.
A property evaluation, equity in the home, and final credit approval.
Not everyone receives a final approval.
Approvals subject to underwriting guidelines, interest rates, and program guidelines.
3rd Party lenders can change programs without notice.
Final approval decided by the 3rd Party Bank.
Licensed by the Texas Department of Savings and Mortgage Lending.
The Florida Office of Financial Regulation.
The Pennsylvania Department of Banking and Securities.
The South Carolina Department of Consumer Affairs.
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