At The Wholesale Mortgage Firm, we understand that finding the right home loan is a critical step in achieving your dream of homeownership. Our Florida based team of mortgage and real estate professionals is dedicated to providing you with personalized service and expert guidance to help you navigate the home financing process.
Whether you are looking for a place to call home, an investment property, vacant land or commercial space – our mortgage brokerage offers a wide range of loan options to cater to diverse financial situations and home-buying goals.
Our residential home loan services include:
Conventional loans are a popular choice for borrowers with strong credit and stable income. These loans adhere to the guidelines set by Fannie Mae and Freddie Mac and typically require a minimum down payment of 3% (for qualified first time home buyers) to 5%. With competitive interest rates and flexible terms, conventional loans can be an excellent option for first-time homebuyers and seasoned investors alike.
Backed by the Federal Housing Administration, FHA loans are designed to help borrowers with lower credit scores and limited down payment funds. With as little as 3.5% down, FHA loans provide an affordable path to homeownership for many first-time buyers. Additionally, these loans offer more lenient credit requirements, making them accessible to a wider range of borrowers.
USDA loans are backed by the United States Department of Agriculture and aim to promote homeownership in rural and suburban areas. They offer 100% financing, which means qualified borrowers can purchase a home with no down payment. With competitive interest rates and flexible credit requirements, USDA loans can be an attractive option for eligible homebuyers seeking properties in designated rural areas.
VA loans are specifically designed for active-duty military personnel, veterans, and eligible surviving spouses. These loans are backed by the Department of Veterans Affairs, allowing lenders to offer competitive interest rates and favorable terms. VA loans require no down payment and do not have private mortgage insurance (PMI), making them an excellent choice for eligible borrowers.
Non-qualified mortgage (non-QM) loans cater to borrowers who may not meet the strict requirements of conventional loans due to unique income sources or credit histories. Our non-QM loan options include interest-only loans, bank statement loans, asset depletion loans, and more. These loans provide alternative paths to homeownership for borrowers with non-traditional financial situations.
For borrowers who need quick access to funds or have unconventional financial situations, our hard money loans can provide a solution. These short-term, asset-based loans are ideal for real estate investors, property flippers, and those in need of bridge financing. While hard money loans come with higher interest rates and shorter terms, they offer fast approval times and greater flexibility compared to traditional loans.
The Wholesale Mortgage Firm in Florida specializes in connecting home buyers with a variety of loan options tailored to their unique financial needs. By leveraging its extensive network of lenders and industry expertise, the firm can secure competitive interest rates and favorable terms for borrowers. Whether you’re a first-time homebuyer or an experienced investor, the wholesale mortgage firm in Florida can help you navigate the home financing process and find the perfect loan solution to make your homeownership dreams a reality.
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