Gina Kelly Personal 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.

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We are Approved VA Lenders ! VA guaranteed loans are made by government approved Mortgage Lenders to eligible veterans and their families for the purchase of a home that must be for their own personal occupancy.

Gina Kelly- Professional Realtor Lic Number: SL658447 Re/Max Properties SW, Inc. 6985 Wallace Rd. Orlando, FL 32819 Office: 407-352-5800 ext. 613 Cell: 407-484-9675 ginasellsorlando@gmail.com

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100 % LTV FOR FHA PURCHASE USING A SILENT SECOND We now offer a 100% LTV FHA loan using a silent second to offset the required 3.5% down payment. It is important to note that there is no repayment of the silent second if the Borrowers income does not exceed 115% of the Area Medium Income (AMI) limits in Florida (view chart). In this case, we will allow interest rates as low as ZERO and the silent second goes away after 3 years. Also there is no repayment required if the borrower keeps the Mortgage for 3 years! - 100% LTV for FHA Purchase Only - Minimum 620 FICO to Qualify Other Zero Down payment options for (FHA,VA,USDA)Its common knowledge that the Federal Housing Administration (FHA) loans require a 3.5% down payment, which can be quite a lot of money for some borrowers. The FHA rule allows a borrower to receive a gift for the entire down payment. The gift can be from a family member, non-profit organization, fiance, or other eligible down payment gift source. That means you don’t need any of your own money to buy with FHA, if you can find a source for the gift FHA LOANS HAVE MINIMAL DOWN PAYMENT AND CLOSING FEES: • Down payment only 3.5% of the purchase price. • Gifts from family or Grants for down payment assistance and closing costs OK! • No reserves or future payments in account required. • Seller can credit buyers up to 6% of sales price towards buyers costs. • FHA regulates closing costs. FHA LOANS EASY QUALIFICATIONS: • Obtain an FHA loan 3 years after a Foreclosure. • Purchase a Florida home 12 months after a chapter 13 Bankruptcy • Purchase a Florida 24 months after a chapter 7 Bankruptcy. • Minimum FICO credit score of 580 required for 96.5% financing. • Have bad credit? Minimum FICO scores of 540 required for 90% financing FHA LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING • FHA allows higher debt ratio's than any other Florida home loan programs. • Less than two years on the same job is OK! • Self-employed buyers can also qualify for FHA.