Todd Martin - Florida's FHA & Doctor Loan Specialist
Name
Todd Martin - Florida's FHA & Doctor Loan Specialist
E-mail
Contact Todd Martin - Florida's FHA & Doctor Loan Specialist
Cell Phone
(813) 507-0296
Fax
(813) 925-3181
Address
11353 Countryway Blvd, Tampa, FL, 33626
Description
Florida's #1 source for FHA and Doctor Loans. Direct accessibility after hours & weekends.

About Me:

In an ever changing mortgage market it is vital you choose a lender that is knowledgeable of the changing guidelines in the mortgage industry.  I make buying a home a smooth and hassle-free process for everyone involved.  I'm committed to making sure that each client makes an educated decision that meets their financial goals. 

I pride myself on my service and availability.  I'm available after hours and on weekends.  If you have a Good Faith Estimate (GFE) from another lender, please fax the offer to (813) 925-3181.  I would like to make sure you get the best combination of product, rate and service.

We are a full service mortgage lender with A-paper, 100%, Jumbo, 100% Doctor Loan, FHA, VA, Construction, Equity loans, Bridge, USDA, & 1st Time Home Buyer Loans.  All underwriting and processing is done at my office.  We offer weekend rate locks and guaranteed Good Faith Estimates with no junk fees.   

  

Areas of Expertise

100% Doctor Loan Program

  • Up to 100% Financing (95% in a declining market)
  • No monthly mortgage insurance payments
  • Construction loans, fixed rate, ARM and interest only
  • Loan amounts of up to $1.5 million

The program offers adjustable and fixed rate mortgages allowing 100% financing for primary residence, purchase and rate/term transactions and cash-out refinances to 89.99% LTV.

Programs include 15 and 30 year fixed, one (1) month LIBOR, six (6) month LIBOR, one (1) year, 3/1, 5/1, 7/1 and 10/1 LIBOR ARMs.  Fully Amortizing and Interest Only options are available.

  • $1,500,000 for medical doctors who have completed their residency, and
  • $417,000 for medical doctors who are currently residents/interns.

For more information call 813-507-0296

A great alternative to an FHA loan is the RURAL DEVELOPMENT, USDA loan.  The home to be purchased must be located in an eligible rural area as defined by USDA. 

THE ADVANTAGES OF THE USDA LOAN:

  • Loan up to 102% of appraised value
  • NO MI
  • No maximum loan amount
  • No cash contribution required from the borrower
  • Unrestricted gifts, no need to document source
  • Non-traditional credit may be substitute for lack of traditional credit history
  • No credit explanations when credit score is 620 or above
  • No minimum credit score
  • No reserves required
  • Not limited to first-time home buyers
  • High earnings potential
  • 30-year fix rate loan

Other eligibility criteria:

  • U.S. Citizen or permanent resident or qualified alien.
  • Financed dwelling must be primary residence.
  • Property must be residential.

Manufactured home: New manufactured homes purchased from an Agency approved dealer may be financed.

Modular home: No restriction

Condo & town home: Must meet the requirements of Fannie Mae, Freddie Mac, VA, or FHA.

Challenges:

  • No co-signers residing outside of the household.
  • In-ground swimming pools.  Ask for a waiver.

For more information call 813-507-0296

 

Our conventional product line is extensive dealing with primary, second homes, & investment properties.

  • I've helped borrowers qualify (when other mortgage companies said they would not)
  • I've helped Realtors find new buyers & sellers through various marketing plans.
  • I've helped Builders obtain creative financing for their buyers when their in-house mortgage company couldn't do the transaction.

Realtors: What is your current mortgage specialist doing to help you in the current environment? Call today to discuss the benefits of partnering with SunTrust.

  • Honest & accurate estimates
  • Direct accessibility after hours / weekends
  • On-time closings
  • HUD's delivered & reviewed with clients prior to closing
  • Status updates for transactions in process (weekly or daily)
  • Weekly market & rate updates & annual review for past clients

Testimonials

"I was very pleased and "wowed" by the service Todd provided. I have never received weekly updates before." Linda Durham - Realtor

"I have had multiple closings and this was one of the most organized and efficient thus far.  Todd was fabulous to work with and I would do business with him again." J & E Day - Past Client

"Todd was wonderful to work with - this was very difficult for us due to the out of state aspect - I don't think we could have done it without Todd.  He is truly a professional, and we would use him again." F & V Fulbright - Past Client

"Todd was fantastic! He handled my loan quickly and answered all questions.  Best mortgage experience I've had." L Rodriguez - Past Client

"A great experience! Todd took us through the process flawlessly! Quick closing & turnaround of funds." J & C Anderson - Past Client

"The entire process from initial phone call to follow-up has been nothing less than second to none.  Todd was able to navigate us through the refinance process in a way that totally overcame the horrors we experienced when we originally financed our home through one of the "predatory" lenders that are now out of business." L & K Silburn - Past Client

"Todd should absolutely be recognized for his professionalism and knowledge and above all his care." D Duke - Past Client