Your Mortgage Specialist – FL

Just Call Tony | 386.804.6886

LOAN PROGRAMS

Certified Mortgage Planners is Committed To Creating an Exceptional Client Experience From Contract To Closing and Beyond.

HOME TOWN HERO'S LOAN

-All first responders, teachers, nurses, doctors, EMT, etc
-$500 credit toward appraisal.
-White glove treatment
-FREE credit counseling (no 3rd party intros)

PRIVATE MONEY

• Typically, 65% LTV (will consider higher LTV’s with
compensating factors)

BANK STATEMENT PROGRAM

• Perfect for self-employed borrowers
• Up to 90% LTV (no mortgage insurance)
• 12- or 24-month business or personal bank statements
• 2 years self-employed required
• No tax returns
• 1099 Option available
• Non-warrantable condos are ok

SIMPLE BRIDGE

• Tap into the equity without having to list or sell, and make non-contingent offers
• Access up to 90% LTV minus the outstanding mortgage balance
• Pre-approved at time of introduction and underwritten simultaneously with new purchase loan
• Up to 6 months of interest only payments prior to selling (4.5% up to 80% LTV; 5.5% up to 90% LTV)

RIBBON CASH OFFER

-Ribbon backed CASH offer to replace your financing offer
-1% fee for use as long as mortgage closes on time
-2.75% fee if loan does not close and Ribbon has to buy the home
-6 months rental option after closing to secure financing and repurchase

INVESTOR CASH FLOW “NO INCOME”

• Up to 80% LTV
• No employment, no income
• Qualify based on property cash flow 1:1; 75% LTV 75-.99:1
• Must have a housing history and own a primary
• No limit on # of properties owned
• Properties can be titled in LLC
• Non-warrantable condos ok

ASSET ONLY

• Up to 80% LTV up to $1MM
• No employment, no income, no DTI
• Primary residence and second home only

JUMBO FINANCING

• Up to 89.99% LTV (no mortgage insurance)
• Strong jumbo financing at 80% LTV up to $1MM and
75% LTV up to $1.5MM

REVERSE MORTGAGE FOR PURCHASE

• Think 50% down
• Ideally, 45-day purchase agreement

WANT TO LEARN MORE INFORMATION LIKE:

  • HOW MUCH COULD I BE APPROVED FOR?

  • WHAT WOULD MY MONTHLY PAYMENT LOOK LIKE?

Or if you’re ready to start shopping for homes,  fill out the short form and our team will jump into action and get you started

Certified Mortgage Planners

Certified Mortgage Planners is focused on helping our clients build a strong financial position through careful management of equity, the proper use of capital, and a dedication to maximizing their rate of return.