Despite the media claims, there is still plenty of liquidity in the market for Mortgages. There is no "credit freeze" on mortgage money! In addition to conventional loans, many loans are now going through the Federal Housing Administration (FHA) insurance program. The down payment for an FHA loan is currently 3% (will go to 3.5% on Jan. 1, 09). With loan limits in Pinellas County at $292,500.00 and rates at or below conventional rates, what are you waiting for? Today's FHA rate on a 30-year fixed; 6%!

So don't believe everything you hear. We offer FHA, conventional, foreign national programs, Jumbo financing and work with short sale scenario's. With housing prices at 2003 levels, now is the best time to grab a deal!