I have been a first time homebuyer's specialist for over 25 years. That also means that I am a strong government lender. In my opinion FHA loans have provided more opportunities, at better rates, than any other first time buyer's program. That is not to say that there are not a plathora of new programs available for these buyers.
Surprise! Stated Income programs are still available to those with good credit who are self employed borrowers. W2 income buyers are going to have to use their verifyable income.
Our conventional product line is extensive dealing with primary, second homes, and investors. We offer loans for all income, no income qualifyers, and credit profiles.
Having lived in southwest Florida for over 15 years I will be able to help make your relocation as stress free as possible. Also if you are purchasing a second home we realize you have special needs. We are experienced with helping you with these needs.
At this time we are introducing "reverse mortgages" for those who are 62 years of age and older. We are a direct lender for this product and will be funding our own loans. There are many misconceptions about this program, I personally am experienced with this program and will do my best to answer any/all questions for our senior friends.