Galina YurchenkoPersonal Service With A Difference! You probably know how important it is to find the right real estate agent when you are focusing on a financial investment as substantial and as personal as your home. What you should know about our team is that, we believe wholeheartedly in the unique, personal nature of real estate. You will see that revealed in how we follow through on what is promised and carefully guide you through the many steps and decisions along the way. We are fully committed to providing you with a noticeably higher level of service that will make your real estate experience as easy and as stress-free as possible. What you can expect from me: • Personal and knowledgeable service that is genuinely responsive to your needs • A "Neighborhood Specialist's" familiarity with local communities, home values, and price trends • Advice and guidance throughout the entire process • Commitment to help you leverage our companies many resources that can save you valuable time and effort in securing home financing, insurance, and home connections. Feel free to contact me any time, whether it's to get started on helping you realize your goals and dreams, or just to ask a question. I would welcome the opportunity to make a difference for you.Galina YurchenkoServicio de Personal con una diferencia Usted probablemente sabe lo importante que es encontrar el agente de bienes raíces cuando se está enfocando en una inversión financiera sustancial y tan personal como su casa. Lo que debe saber acerca de mí es que, creemos sinceramente en la naturaleza única, personal de bienes raíces. Verá que revela en la forma en que seguimos adelante con lo que se promete y cuidadosamente le guiará a través de los muchos pasos y decisiones a lo largo del camino. Estamos plenamente comprometidos a proveerle con un nivel sensiblemente más alto de servicio que harán de su experiencia de bienes raíces como fácil y tan libre de estrés como sea posible. Usted puede esperar de nosotros: • el servicio personal y conocedores de que es realmente sensible a sus necesidades • familiaridad a "Vecindad del especialista" con las comunidades locales, los valores de las casas, y tendencias de los precios • asesoramiento y orientación a lo largo de la todo el proceso • Compromiso para ayudar a aprovechar nuestras empresas muchos recursos que le pueden ahorrar tiempo y esfuerzo en la obtención de financiamiento de vivienda, seguros, y las conexiones domiciliarias. No dude en ponerse en contacto conmigo en cualquier momento, ya sea para empezar a trabajar en ayudar a alcanzar sus objetivos y los sueños, o simplemente para hacer una pregunta. Yo daría la bienvenida a la oportunidad de hacer una diferencia para usted
PREFERRED REALTOR NETWORK
Our Foreign National Loan Application is for non-us citizen who have the qualifications and resources to purchase a home or invest and would like for us to pre-approve their loan amount, quote rates and terms before making a full commitment to move forward. We provide financing for foreign nationals and offer programs with little or no documentation for with quick, easy approval.
1st Florida Lending can Pre-Approve your Mortgage
Offering the largest selection of Mortgage Loan Programs in Florida. Over 45 and Counting! Conventional * Conventional w/ 97LTV's * Non QM Conventional - Non QM Conventional w/ 12 month Short sale, Foreclosure, Bankruptcy * Non QM Conventional w/24 months Short sale, Foreclosure, Bankruptcy * Jumbo Loans low rates * Jumbo Loans w/ 12 month Short sale * Jumbo Loans w/Short sale, Foreclosure, Bankruptcy *No documentation loans * Investment Properties * Commercial * FHA's with 520 FICO'S * FHA Streamline Non Credit Qualifying * FHA Purchase and Refinance Loans * VA * VA Construction to Permanent Purchase Programs * IRRA'S * USDA * Cash Flow Loans * Unlimited cash out * Business owner Bank Statement Loans * Independent Contractor Bank Statement Loans * Self-employed Borrower who has been Self-Employed for less than 1 year * Stand Alone 2nds * Manufactured Homes * Manufactured Homes for FHA and VA * Refinance * Refinance w/ cash out * Unlimited Cash Out * 203k Streamline * HARP * Fresh Start * Home Community * Home Path * Non-traditional Credit/Trade References * Live and work in Puerto Rico * Construction to Perm * Borrowers who have money, but not employed * Reverse Mortgage * Home Renovation * Sub-Prime * Zero FICO Score * Foreign National Stated * Foreign National Full Doc
Our Loan Pre-Approval Application is for those borrowers who would like to obtain a preliminary loan pre-approval, with a qualifying rate and term that meets with your expectations before making a full commitment. Once you are pre-approved and agree with the terms. We will issue you signed pre-approval letter and initiate the final underwriting approval process.
Selecting the right Real Estate Agent when making the largest purchase of your life is an important part of the home buying process. We welcome Galina to our Preferred Realtor Network which includes some of the top real estate agents and companies in Florida.
Welcome to our
Why a Bank Statement Loan? Many of the self-employed business owners and independent contractors have excellent cash flow and payment history. Even so, they are often declined due low taxable income as a result of high deductions, recent mortgage events e.g. Bankruptcy, Foreclosure, Short Sale Seasoning & Deed in Lieu and/or personal credit issues. we offer 12 programs with low FICO entries and up to 90% LTV which may vary with scores and credit. We also just added w-2 with pay stubs eligibility to our stated loan program
Want to know how much you qualify for?
OBTAIN PRE-APPROVAL LETTER TODAYIts Easy! Fast! and No Obligations - wealso accept Credit Karma report that you can provide us for our initial review.
Galina “Gala” Yurchenko3830 S. Nova Rd Suite C2, Port Orange, FL 32127Office: (386) 575-8181Cell: (407) 870-3936
For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 Wage Earners
Why a Bank Statement Loan? With over 14 programs our Bank Statement Loan programs are rapidly becoming the loan of choice For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 wage earners who have cash flow and payment history, but show a reduced taxable income as a result of high deductions
“We offer programs with 1 day out of a recent mortgage events like Bankruptcy, Foreclosure and Short Sale”
Changing tax status from W-2 to 1099 self-employed There generally is a 12 month waiting period after you change your tax status from wage earner (W-2) to independent Contractor (1099) or New Business owner. However, there are exceptions in lowering the waiting period which is considered on a case by case basis