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.
Get Pre-Approved Today !
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.
TO REQUEST A LOAN PRE-APPROVAL WITH RATES AND TERMS WE DO NOT PULL CREDIT WITHOUT YOUR PERMISSION AND WILL ACCEPT YOU PROVIDING YOUR OWN CREDIT REPORT FROM ANY SERVICE THAT INCLUDES A MINIMUM OF TWO REPORTING COMPANIES FOR OUR INITIAL REVIEW
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