La’Trese Kocetta McPhee
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 La’Trese is that she believes wholeheartedly in the unique, personal nature of real estate.
You will see that revealed in how she follows through on what is promised and carefully guide you through the many
steps and decisions along the way.
La’Trese is fully committed in 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 can expect from La’Trese?
• 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 her many resources that can save you valuable time and effort in securing your new
home or selling an existing home.
1st Florida Lending
PREFERRED REALTOR NETWORK
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
La’Trese Kocetta McPhee
3350 SW 148th Ave
Ste 110
Miramar, FL 33027
Tel. 954-624-6577
mikera1@bellsouth.net
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 La’Trese Kocetta McPhee to our Preferred Realtor Network which includes
some of the top real estate agents and companies in Florida.
Welcome to our
Lender Credit Program (Fico Driven)
Our most popular client benefit, is the Lender Credit Program
that offers borrowers a $1,000 to $4,000 option, that can be
used to pay their upfront closing costs! The Lender Credit
Program has saved borrowers thousands in upfront fees and
may be all they need to obtain a mortgage for their new
home.
FHA LOANS
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”
Full Doc Program Guidelines
•
Maximum loan amount $5,000,000
•
up to 95% LTV / Rates starting in the 3's
•
No MI & Pre- Payment Penalty
•
Foreclosure 7 Yrs / Bankruptcy 4 yrs / SS 4yrs
ASK US ABOUT OUR LENDER CREDIT PROGRAM !
The FHA 203(h) mortgage program was created to help victims in the
Presidentially-declared disaster areas to get back on their feet. Its
purpose is to help those victims become homeowners or for those
who previously owned or rented a home in the disaster area, to
rebuild or purchase a new home.
Florida Direct Lenders offers the
FHA 203(h) Disaster Recovery
Loan Program
Program Features
•
Primary residence only
•
Available to disaster victims whose previous owned or rented residence was destroyed or damaged to such
an extent that a complete replacement Is necessary
•
15 & 30-year fixed rate conforming balance
•
30-year fixed rate high balance
•
Minimum credit middle score: 580
•
Up to 100% LTV
The FHA 203(h) mortgage program was created to help
victims in the Presidentially-declared disaster areas to get
back on their feet. Its purpose is to help those victims
become homeowners or for those who previously owned or
rented a home in the disaster area, to rebuild or purchase a
new home.
NEW! BANKRUPTCY, FORECLOSURE AND SHORT SALE ARE OK!
Self-Employed - 24 month Bank Statement
•
Maximum loan amount $3,000,000
•
up to 90% LTV / Rates starting in the 4's
•
No MI & Pre- Payment Penalty
•
Foreclosure, Bankruptcy or Short Sale 24 months or 48 months if multiple
events.
Ask us about our appraisal refunds (up to $1,500 at time of closing
JUMBO LOANS
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
SELF-EMPLOYED 12 AND 24 MONTHS BANK STATEMENT LOANS
Disclaimer: All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. Loan charts
highlight min/max constraints, assumptions & random scenarios only. We will always work hard to approve your loan but there are no guarantees
of any kind expressed or implied that your loan we be approved.
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Florida’s Top Rated Mortgage Lender I We are Not Brokers
800-655-1345 I ALL LOAN INQUIRIES CALL 407-300-2558
