Maria Del Pilar Nino
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
Maria 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.
She 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 Maria?
• 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.
Why a Bank Statement Loan?
With over 14 programs, 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 even
if you are 1 day out of a recent mortgage
events (e.g. Bankruptcy, Foreclosure,
Short Sale, Deed in Lieu.
Maria Del Pilar Nino
International Gateway Realty
11430 N. Kendall Dr. Ste. 300
Miami, Fl 33176
Cell: 786-2908830
Off: 305-2739000 Ext: 235
E-Fax: 305-4242209
E-Mail: Pili22821@aol.com
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
Maria Del Pilar Nino to our
Preferred Realtor Network which
includes some of the top real
estate agents and companies in
Florida.
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.
BANK STATEMENT LOANS
For Self-Employed, DBA’s, Sole Proprietors,
Corporations, 1099 Independent Contractors
and W-2 Wage Earners
1st Florida Lending Corp., a
registered Mortgage Lender
Orlando servicing all of Florida
offering over 48 loans programs
including Conventional Loans, Non-
Conforming Loans, FHA Loans, VA
Loans, USDA Loan, Self-Employed
Loans, Bank Statement Loans, No-
Doc Loans, Reverse Mortgage
Loans, ITIN Loans, Rental
Investment Loans, to name a few
and specializing in Bank Statement
Loans or “stated loans” requiring
no Tax Return verification and
much more. * No broker or lender
fees are for FHA,VA, USDA and
Conventional loan types
Main Office: 2151 Consulate Dr. *
Suite 8 * Orlando, FL., 32837 *
Telephone * (800)856-7097 * (800)
655-1345 * (407) 300-2558 * Fax
(877) 401-9955