Thomas's Blog

Florida Mortgage Programs, FL Real Estate Home Loans

Charles Rutenberg Realty LLC — Fri, 05 Sep 2008 17:07:41 -0500

Florida Mortgage Programs, FL Real Estate Home Loans

http://www.floridamortgagebiz.com/

When you decide to apply for a Florida home loan through 1st Continental Mortgage, you're dealing with experienced full-time mortgage lending professionals who know FL real estate. We offer a huge assortment of mortgage programs built around Florida home buyers and homeowners.

Whether you're buying a first home using our great FHA mortgage program or refinancing a home you already own using traditional Florida mortgage financing, nothing helps more than having a seasoned Florida mortgage lender working hard to make your dreams a reality.

As a well established and seasoned Florida mortgage business, 1st Continental Mortgage and our employees are far from being the new kids on the Florida home loan block. Established in 1997, 1st Continental Mortgage has delivered low mortgage rates, great terms, and on time real estate closing to Florida mortgage clients for a decade. Why not give us a call today or use our convenient quick application to see what we can accomplish together!

Superior Florida Home Lending Solutions

http://www.floridamortgagebiz.com/

Here is what three of our recent Florida home lending clients had to say about the Mortgage financing they received from us.

"As first time Home Buyers, we were not sure what to expect from a mortgage company. Tom and 1st Continental Mortgage made applying and getting pre-approved for our FHA loan simple. Tom was very thorough in explaining our loan options and staying in touch with us from start to finish. We're happy to recommend him to anyone needing a home loan."

Janice - Miami, Florida

"I needed to Refinance my home right away to stop Foreclosure. Tom at 1st Continental Mortgage provided excellent service and extremely fast turnaround for my refinance. Tom saved my home and I simply can't thank him enough!"

David - Tampa, Florida

"Our bank wouldn't finance the manufactured home we wanted, but Tom at 1st Continental mortgage matched us with a very affordable FHA loan. It was nice dealing with a Florida lender that actually made getting the loan a pleasant experience. Thank you Tom! We had almost given up on buying that country home!"

Dianna & Michael - Zephyrhills, Florida

Give us a call 1-800-570-0448 or use our quick application to find out more about the many Florida mortgage programs we can make available.

A Florida Mortgage Lender With AccessTo The Best Florida Mortgage Financing

http://www.floridamortgagebiz.com/

Many people go directly to their local bank when it's time to get a Florida mortgage. They don't think too much about it: a mortgage is a mortgage, right? In fact, the fees charged, skill, and relevant experience of Florida loan officers differs dramatically.

But, equally important, heading right for the local bank or credit union could be a costly mistake! Why? The fact is, it may limit you to only the loans offered by them.

As a Florida Mortgage Lender, 1st Continental Mortgage can readily act as mortgage broker and match you with the best Florida mortgage financing programs from hundreds of lenders. We are an independent mortgage lender and beyond our own offerings, we can shop the pick of many Florida lenders for the best rates and terms for your mortgage financing in Tampa, Florida or any of the other Florida cities that we serve. Further, unlike the local bank or credit union, we don't close up shop at 4:30. We have the dedication to personal client service that many big banks proclaim but fail to deliver.

We are a Florida Mortgage Business with a Serious Commitment to Customer Service!

Every Florida mortgage lender's website promises that they provide outstanding customer service, but few of them ever bother to tell you specifically what that promise means.

What is good customer service? http://www.floridamortgagebiz.com/

It's All About Your Florida home loan!

Good service on your Florida home loan begins with respect. We'll ask the right questions and listen so that we understand your short and long term financial objectives before we ever recommend a particular mortgage program.

Successful mortgage service means being able to demonstrate the long-term costs of different mortgages and spell out the advantages and drawbacks in plain English. Whether you are a seasoned Investor seeking a Florida 100% financing loan in St. Petersburg, or a first time home buyer looking for the security of a government insured FHA mortgage in Clearwater, we will spell out the options and their full costs clearly.

Good mortgage service means being responsive and available. Some Florida mortgage businesses make you wade through a complex voice mail system or negotiate a multi-department maze to get answers on your Florida home loan financing. Not 1st Continental Mortgage. From application to closing, you will have a single dedicated point of contact for your Florida mortgage. No excuses, just answers.

You can expect your Florida mortgage professional to be meticulous at the beginning. Once he or she has asked the right questions and we have identified the best Florida mortgage program, your loan officer will help you gather the documentation to create a well-presented and complete loan application. We take the same care whether it is a simple 30k home equity line of credit for renovations in Hudson or a Florida Jumbo mortgage for an estate home in West Palm Beach.

Your 1st Continental Mortgage loan officer will be proactive. Applying for a home loan and starting the journey to the closing table can be an anxious time. We will keep you in the loop as we work to assure that your mortgage loan closes as promised with no surprises. Expect prompt answers and frequent updates as your loan moves from application to approval to funded and closed.

Your Florida home mortgage is the key to a stable financial future. For most of us, it's very likely to be a large line item in our monthly budget for as long as we keep our home. As the premier mortgage business in Florida, you can count on our understanding just how important your loan is. You may only shop for a Florida mortgage three or four times in a lifetime. The qualified, experienced loan officers at 1st Continental Mortgage spend their full working days doing nothing but Florida mortgages for clients statewide.

Call 1-800-570-0448 or apply online using our quick application right now to get experienced professional and friendly Florida mortgage service from 1st Continental Mortgage.

Mobile Home Financing In Florida http://www.floridamortgagebiz.com/

No matter if you call it a factory built home, a manufactured home, a modular home, or a prefabricated home; smart Florida financing Mobile Home Buyers know that manufactured homes offer them comparable quality, lower costs per square foot and dramatically quicker build times than a traditional site built home.

These new mobile homes in Florida are a world better in quality and Construction than the single and double wide trailer homes of a generation ago. Not only has the quality of manufactured and modular housing improved dramatically for Florida home buyers, but now there are also more Florida mobile home mortgage programs for manufactured homes and better home loan options for modular home buyers in Citrus County and the other Florida cities we serve.

Most industries in Florida switched to factories and assembly lines over one hundred years ago. Only Florida home builders were left behind. Many still cling to the outdated belief that the only way to build a home is by delivering materials and workers to the vacant lot and managing subcontractors for 6 months to a year.

Not true.

It should be no surprise that the fastest growing segments of the housing market today are Florida manufactured homes and modular homes.http://www.floridamortgagebiz.com

As Mortgage Lenders, we at 1st Continental Mortgage have helped scores of Floridians from first time home buyers to vacation home buyers secure excellent FHA home loans to achieve mobile and modular home financing. If you need a loan for a mobile home on land, a modular home in a Florida subdivision or a manufactured home on acreage - please call 1-800-570-0448 or apply online today using our quick application.

Florida Modular homes or manufactured homes from top manufactures now compare in quality with homes built by better custom home builders No matter what name they go by, factory built homes cost between ten and thirty percent less than traditional site built homes. At 1st Continental Mortgage, we know why you want a fixed rate mortgage to buy a modular home in a subdivision, an FHA home loan for a manufactured home on an acre lot, or conventional home loan for a mobile home on a rural retreat. With our network of financing, we can help you get the manufactured home financing for your Florida dream home at interest rates and terms you deserve.

Some mortgage lenders do not know how to get these loans approved. Worse still, they don't welcome the business of manufactured home buyers. At 1st Continental Mortgage, we want your business. We will be glad to assist you in securing the best rate and terms for your Florida manufactured home mortgage. We have been helping with the purchase and Refinance of mobile, modular, and manufactured homes from Dade County to Leon County for over a decade.

Some Florida Mortgage lenders don't know the lenders who want to lend money for a manufactured home and land package. We do. If you are looking at a modular home in a subdivision, or one of many Florida manufactured housing developments, call 1st Continental Mortgage today at 1-800-570-0448. Our friendly staff can help you get a low fixed rate mortgage or refinance on your Florida modular home, manufactured home or Mobile Home.

http://www.floridamortgagebiz.com/

Jacksonville

Miami

Tampa

St. Petersburg

Orlando

Hialeah

Fort Lauderdale

Tallahassee

Cape Coral

Pembroke Pines

Serving all of Florida Including the following areas, Alford,Altha, Astatula, Baldwin, Bascom, Bay Harbor Islands, Bell, Belleair, Belleair Shore, Beverly Beach, Branford, Briny Breezes, Bronson, Brooker, Callahan,Campbellton, Canal Point, Caryville, Cedar Grove, Century, Cinco Bayou, Cloud Lake, Cottondale, Cross City, Davie, Dundee, Eatonville, Ebro, Esto, Fort Myers Beach, Fort White, Glen Ridge, Glen St. Mary, Golden Beach, Grand Ridge, Greensboro,Greenville, Greenwood, Gulf Stream, Hastings, Havana, Haverhill, Highland Beach, Hillcrest Heights, Hilliard, Hillsboro Beach, Horseshoe Beach, Howey-in-the-Hills, Hypoluxo, Indialantic, Indian River Shores, Indian Shores, Inglis, Interlachen, Jay, Jennings, Juno Beach, Jupiter, Jupiter Inlet Colony, Jupiter Island, Kenneth City,La Crosse, Lady Lake, Lake Clarke Shores, Lake Hamilton, Lake Park, Lake Placid, Lantana, Lauderdale-by-the-Sea, Lee, Longboat Key, McIntosh, Malabar, Malone, Manalapan, Mangonia Park, Marineland, Mayo, Medley, Melbourne Beach, Melbourne Village, Miami Lakes, Micanopy, Montverde, Noma, North Redington Beach, Ocean Breeze Park, Ocean Ridge, Orange Park, Orchid, Paxton,Pembroke Park, Redington Beach, Redington Shores, St. Leo, Sewall's Point, Shalimar, Sneads, South Palm Beach, Southwest Ranches, Surfside, Tangerine, Wausau, Welaka, Westville, White Springs, Windermere, Yankeetown, Zolfo Springs, Bal Harbour, Biscayne Park, El Portal, Golf, Highland Park, Indian Creek,Islamorada, Key Biscayne, Lazy Lake, Miami Shores, North Palm Beach, Palm Springs, Palmetto Bay, Pinecrest, Royal Palm Beach, St. Lucie, Sea Ranch Lakes, Tequesta, Virginia Gardens, Wellington,

Florida Mortgage Lender, Florida Mortgage, FLorida Home Loan

Charles Rutenberg Realty LLC — Fri, 05 Sep 2008 14:56:02 -0500

Florida Mortgage Lender

Providing Mortgage Services in Florida

To endure and be the most successful Florida mortgage lender, we have learned to adapt to a Florida real estate market that changes quickly. One reason 1st Continental Mortgage is still here after ten years, when so many other Florida mortgage businesses around the state have closed their doors, is how we treat our Mortgage clients.

We really do take a long-term view.

About five years ago, adjustable rate mortgages with five year fixed periods were the rage with most Florida Mortgage lenders.

However, not with our team.

Why take an ARM when interest rates were near historic lows?

As a mortgage lender in Florida, over the last ten years we've earned a reputation for listening to our clients and for recommending the mortgage solution that is best for their long-term home ownership goals. As a result, we receive a large number of new Florida mortgage loan business by referral from past clients and our real estate partners.

If you are fortunate enough to be looking to buy a home or Refinance an existing one in the current market, we'll be glad to offer you sound advice and friendly service. Service and advice you deserve from a Florida mortgage lender that's been around for a decade and will be around for the long haul. Call 1-800-570-0448 or use our quick application for a no-pressure and no-obligation quote on your Florida mortgage or refinance.

We are a Resourceful Florida Mortgage Lender with excellent Conventional and FHA Mortgages for First Time Home buyers

Although many lenders are tightening credit standards and demanding higher FICO scores and more money down, we still have excellent conventional home loan programs with no money down for 1st time home buyers. In the current Florida real estate market, selling Realtors® are often eager to offer 3% and even 6% toward closing costs to coax an offer from our FHA approved Home Buyers in Sarasota and other cities throughout Florida.

Don't let lack of a downpayment keep you on the sidelines in a prime Florida real estate market that offers some of the best buying opportunities in years. Call 1-800-570-0448 to discuss your first time home buyer mortgage options with a representative from the premier mortgage lender in Florida. You can even use our quick application for a no-hassle consultation. Even if you're not a first time home buyer, we have excellent fixed rate home loans with terms from 10 to 50 years.

The Mortgage Lender in Florida

Excellent Refinance Options For Florida Homeowners

As a Florida mortgage lender, we know well how quickly the world can change. Sometimes you outgrow your mortgage before you've outgrown the home that you financed.

Whether you need to make the move from a dangerous adjustable rate mortgage to a low Florida fixed rate mortgage or just want to do a refi to pull some cash out, chances are good we can help. We will be happy to review your present mortgage financing to ensure you're getting the right solution and that you do not have any prepayment penalties. For some clients, a Second Mortgage or home equity line of credit is a better way to create a financing solution. To discuss your situation with an outstanding mortgage lender who actually is in Florida, call 1-800-570-0448 or use our secure quick application form.

If you have a Bad Credit home loan, have been paying on time, and are ready for a low interest rate alternative, don't wait until your change date and attempt to pay your higher payment. Call us today at 1-800-570-0448 to see if we can move you to a fixed rate FHA mortgage and give you a stable long-term financing solution. We did it for a bad credit mortgage client in Duval County! Don't get stranded in a bad credit mortgage with accelerating payments! A Florida refi to a stable low rate loan solution today is far better than needing a hard money Florida Foreclosure bailout tomorrow.

A Reputable Florida Mortgage Lender
Offering Low Cost Florida Construction Loan Programs

The slowing Florida real estate market has also opened up excellent construction loan opportunities for buyers who are building custom homes. During the boom, it was tough to get the attention of the best custom builders and competition for premium lots was fierce.

Those applying for a Florida Construction loan will find supply and demand working in their favor in today's market. Builders are hungry and all too eager to complete a construction loan funded project ahead of schedule. For reliable answers and experienced help in applying for a Florida construction loan, you can count on a reputable Florida mortgage lender like 1st Continental Mortgage! Call 1-800-570-0448 right now or use our quick application to get started!

A Florida Mortgage Lender Motivated to Lend

Mobile Homes, Modular Homes and Manufactured Homes

Try finding a Mobile Home or modular home loan at your local bank and you'll quickly learn about one of the lasting prejudices in the world of mortgage lending. Many banks don't offer mortgages for mobile homes with land, modular homes, or double wide trailers on rural acreage. They're much more comfortable lending on traditional "Brick" built block homes in subdivisions. It's a sentiment we've heard from all across the state: Duval County, Seminole County, and Dade County!

We're a mortgage lender business that welcomes and understands that a manufactured homes can offer superior quality at an affordable price in a high cost housing market. We offer both FHA mortgage loans and conventional financing for purchasing or refinancing mobile homes on lots, modular homes, and double wide trailer homes on land.

For a free no obligation quote on a manufactured home mortgage, call 1-800-570-0448 or use our quick application. You'll know you have found the right Florida mortgage lender for your manufactured housing loan!

A Florida Mortgage Lender
Capable of Handling Florida Jumbo or Super Jumbo Mortgages

The Fannie Mae loan limits have not increased as rapidly as real estate prices in Florida over the last five years. More and more homes, especially in more expensive coastal Florida counties, now require a Florida Jumbo or Super Jumbo home loan to purchase.

As an experienced Florida mortgage lender, we would be pleased to help you secure the best combination of rate and terms for your Florida home purchase. For a quote on your Florida Jumbo or Super Jumbo mortgage, please call 1-800-570-0448 or use our quick application for a fast, no obligation consultation.

A Florida Mortgage Lender That Knows Investor Loans

Motivated sellers always look good to smart real estate Investors. In the near term, it looks as if Florida will have its share of homeowners and institutions forced to sell REO homes at a loss. At 1st Continental Mortgage, some of our favorite repeat Florida mortgage clients are investors.

As a Florida mortgage lender, we understand the special needs of Florida real estate investors. Whether you are accumulating a portfolio of rental houses in Tampa to hold long term or buying and fixing REO homes in Tallahassee, Florida from asset managers at Florida lenders, we will be happy to help you close a competitively priced loan on time. If your investor loans aren't getting the attention they deserve from your Florida mortgage lender, why not try 1st Continental Mortgage?

To get a quote on your next Florida investor loan, call 1-800-570-0448 or use our secure quick application form. You'll find 1st Continental Mortgage deserves it reputation as an investor friendly Florida mortgage lender.

Search the Florida MLS at www.FloridaMLShub.com

Florida FHA Loan

Florida is known as the sunshine state and a haven for buying and finding really good real estate property. The fact for most home buyers is, when you need a home, you will require a home loan and who best to work with than 1st Continental Mortgage and our many FHA loan programs. When we talk about a Florida FHA loan, there is a FHA loan limit applicable in different counties and these change to keep up with market conditions.

For example: Baker County in Jacksonville, FL has a one family loan limit of $294,500; a two family loan limit of $331,700; a three family loan limit of $403,000 and a four family loan limit of $465,000. Similarly the non metro county of Lafayette has a one family loan limit of $200,160; a two family loan limit of $256,248; a three family loan limit of $309,744 and a four family loan limit of $384,936. So basically the loan limit in Lafayette is less than that of Baker County.

FHA is a part of HUD and the first thing looked at before issuing a Florida FHA mortgage is that you as a borrower have demonstrated a good repayment history for all your debts within the last 12 months. The credit history basically outlines your willingness to pay back your Florida FHA loan, the same loan that you will hopefully be getting from 1st Continental Mortgage, a Florida mortgage company, and not directly from the FHA. FHA insures the loans underwritten and approved by various Florida mortgage companies. FHA also provides security to the mortgage lenders in case you default on a loan and hence the Florida lenders will be more than willing to offer you the best FHA loan at some of the lowest interest rates in the market.

If your credit history, in spite of sufficient income, keeps on reflecting late payments, and delinquent credit accounts, then approving your loan may be impossible without sufficient documentation and explanation. Here's a brief synopsis of various credit underwriting guidelines for a FHA home loan:

Credit history: You as a borrower will need to have a minimum of 4 trade lines. If they are not reflected on your credit report, we can use alternative credit such as phone bills, utilities and rent.
Credit obligations: An installment loan like a student loan or a car loan, which has less than 10 months remaining does not have to be included for a FL FHA home loan qualification. The things that can be considered will include large debts, and this is independent of the number of months. If you have an open revolving account that doesn't show any balance then a $10 fee per open account may be included for qualification.
Bankruptcy, Chapter 7: Florida FHA requires a minimum time of 2 years since the time of discharge of the bankruptcy. You will have to attach an explanation of the bankruptcy along with your bankruptcy discharge documentation. You will also have to show a reestablished credit without any late payments. In some instances, under our FHA credit flex program we can consider a bankruptcy discharged as little as 12 months ago.
Bankruptcy, Chapter 13: FL FHA will consider you for a FHA loan if you are still paying on a Chapter 13 bankruptcy provided all your payments have been made to the court satisfactorily within the previous 1 year.
Foreclosures: You need to make sure than when you are applying for the Florida FHA loan, you do not have any pending foreclosure on your property or a foreclosure in the last three years.
Federal debt: Before you apply for a FL FHA mortgage, make sure that you don't have any defaults on other federal debts. A federal debt can include a past; FHA Loan, VA mortgages, SBA loans and student loans.

Qualifying for Florida FHA loans

In a nut shell, it's typically easier to qualify for FHA home loans in Florida as compared to conventional loans with like kind terms and conditions. The FHA loans are underwritten and funded by a FL mortgage lender like 1st Continental Mortgage Some of the benefits of a Florida Federal Housing Administration home loan are:

FHA loans offer tax deductible interest
You can acquire equity over a certain period of time
The closing costs on the FHA loans are regulated
There are no set income limits
The credit criteria for qualification is lenient as compared to other loans
They are fully assumable
Absolutely never a prepayment penalty
And Much More

Search the Florida MLS at www.FloridaMLShub.com

http://www.floridamortgagebiz.com/

Search the Broward County MLS, Broward Homes for Sale

Charles Rutenberg Realty LLC — Fri, 29 Aug 2008 05:36:26 -0500

Search the Broward County MLS, Broward Homes for Sale

Search homes for sale in Broward County including the following cities:
Hollywood, Wilton Manors, Deerfield Beach, Tamarac, Sunrise, Sea Ranch Lakes, Plantation, Parkland, Coral Springs, Pembroke Pines, Lauderhill, Pembroke Park, Oakland Park, North Lauderdale, Miramar, Margate, Lazy Lake, Lauderdale by the sea, Lighthouse Point, Lauderdale, Lauderdale Lakes, Hillsboro Beach, Hallandale, Davie, Dania, Cooper City, Coconut Creek, Weston, Pompano Beach, Southwest Ranches, Fort Lauderdale, Florida.

Visit FloridaMLSHUB.com to Search the Broward County MLS

Search All the Broward County Realtors listings at www.FloridaMLSHub.com