Home Buying in Boca Raton>Question Details

james82mcken…, Home Buyer in Miami, FL

Any recommended Mortgage brokers in the Boca / Deerfield area? Asked by james82mckenna

Asked by james82mckenna, Miami, FL Thu Jul 25, 2013

Hey! After renting here in Deerfield beach for 10 years My wife and I are ready to buy our first home. Only problem is My middle credit score looks to be 620 due to a few 'derogatory' credit card accounts that were charged off a few years ago. I do have $50k set aside for a down payment to offset the negative impact of a sub prime credit score.

Thanks!

James

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12
James:
How are you? We are located in Palm Beach County (South Florida). You may not qualify for a conventional or FHA Loan.. We "MAY' be able to close your deal with other lending sources...

NEIL SHERRY FLORIDA MORTGAGE CONSULTANTS 561-732-6376

Neil Florida Mortgage 561-732-6376
… My company closes private mortgage loans all over Florida.. We are a fully licensed mortgage company. We also work with local community banks and FHA AND FANNIE MAE conventional lenders/FOREIGN NATIONAL MORTGAGES. ..We are located in Palm Beach County.. Neil Sherry Florida Mortgage Consultants 561-732-6376

NEIL
*NEIL SHERRY FLORIDA MORTGAGE CONSULTANTS 561-732-6376 NEIL SHERRY "YOUR HARD MONEY/PRIVATE EQUITY LENDING EXPERT" FLORIDA MORTGAGE CONSULTANTS 561-732-6376

FLORIDA MORTGAGES FLORIDA MORTGAGES FLORIDA MORTGAGES

ATTN: REAL ESTATE INVESTORS, FELLOW MORTGAGE PROFESSIONALS, REAL ESTATE AGENTS OR ANYONE LOOKING TO REFINANCE " FREE AND CLEAR" INVESTMENT, SECOND HOMES AND/OR COMMERICAL PROPERTIES WITHOUT A MORTGAGE!!!!!!!!!

-BANKS DO NOT WANT TO LEND ON INVESTMENT PROPERTIES AND/OR COMMERCIAL PROPERTIES!!!!!!

-CASHOUT ON YOUR INVESTMENT/SECOND HOME /COMMERCIAL PROPERTIES FOR WHATEVER REASON!!!

--WE HAVE ACCESS TO HARD MONEY/PRIVATE EQUITY LENDERS LOOKING TO FUND MORTGAGES ALL OVER THE STATE OF FLORIDA!!!!

--NO INCOME VERIFICATION!!!!!!

-ALL CREDIT SCORES WILL BE CONSIDERED!!!!!!!!!!

--CALL FOR A FREE MORTGAGE CONSULTATION!!!!!

---WE HANDLE PURCHASE TRANSACTIONS TOO!!!

---NO TITLE SEASONING-NO SOURCING OF DOWN PAYMENT FOR PURCHASE TRANSACTIONS!!!!

-BANK TURNDOWNS!!!!

--PORTFOLIO LENDING!!!

--HIGH END MORTGAGES FOR WEALTHY INDIVIDUALS!!!

. HAVE A GOOD DAY!! NEIL SHERRY FLORIDA MORTGAGE CONSULTANTS 561-732-6376


YOUR NUMBER ONE SOURCE FOR HARD MONEY /PRIVATE EQUITY MORTGAGES/FOREIGN NATIONAL BORROWERS/PORTFOLIO LENDING IN FLORIDA!!! RESIDENTIAL OR COMMERCIAL!!! PURCHASE OR REFINANCE!!!




ALTERNATIVE EMAIL-nsherry972@aol.com


NEIL SHERRY FLORIDA MORTGAGE CONSULTANTS 561-732-6376


NEIL SHERRY -PRESIDENT
Florida Mortgage Consultants, LLC-NLMS 393969
1-561-732-6376
1-561-596-5605 cell
1-561-423-8089 fax
neil@flmtgcon.com
NLMS #328117


NEIL SHERRY FLORIDA MORTGAGE CONSULTANTS 561-732-6376


http://WWW.FLORIDAMORTGAGECONSULTANTS.ORG
0 votes Thank Flag Link Fri Jul 26, 2013
James,
Keyes Real Estate, Mortgage, Title as been a leader in real estate transactions in Florida since 1926.
We have an excellent mortgage lender in our Lighthouse Point office. Call me (561-212-5373) or email: dandohrn@keyes.com and I will set up an appointment with our mortgage agent, Lori Licata, for you.
Lori has a great record of providing the best mortgage program for each of our clients.
I look forward to hearing from you.
Dan Dohrn, Realtor, Keyes Real Estate
0 votes Thank Flag Link Fri Jul 26, 2013
James,
The best approach is consulting with a real estate professional regarding the real estate you have interest in buying in addition to your situation. The real estate professional will know which lenders have a PROVEN track record of closing on time, under budget, and without the drama for the type of real estate you want and in your situation.
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A second alternative is to locate a local lender who has a track record of investing in the community through small business loans and home loans. You will find all the big banks are "F" graded.
Simply enter your destination city or zip and call an "A" or "B" graded local lender.
http://www.BankingGrades.com

Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
727.420.4041
http://RealEstateMadeEZ.us
0 votes Thank Flag Link Fri Jul 26, 2013
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I am your best bet!

See programs below, then contact me to talk about how to minimize payments and reduce out of pocket costs.

1) 100% LTV- VA / (VA Jumbo @ lower ltv)
2) 100% LTV- USDA/12 mo. into Chapter 13 BK…OK Too
3) 99% LTV- FHA / (FHA to 580 score @ lower ltv)

4) 97% LTV- No monthly MI-No FHA 1.75% Fee
5) 95% LTV- CONDO
6) 90% LTV- No PMI -2nd Home
7) 90% LTV- JUMBO
8) 85% LTV- No PMI - Super Jumbo
9) 80% LTV- Invest./Rental
10) 75% LTV- Foreign Nationals

--------STATED INCOME ALT up to Super Jumbo-----------
http://www.StatedIncomeALT.com
11) 80% LTV- FIX n’ FLIP Invest. Prop.
12) 75% LTV- Foreign Nationals
13) 75% CLTV- Short Sale, BK, Foreclosure Forgiveness
14) 70% LTV- Soft and Hard Money
15) LOT/VACANT LAND LOANS
16) COMMERCIAL PROGRAMS-available nationwide

Go to: http://WWW.PRO-OPTION.COM or call 888-662-4404

Steve McRory
Pro Option Mortgage/ Florida
steve@pro-option.com
#204296

Prior Service U.S. Marine Corps
====
0 votes Thank Flag Link Fri Jul 26, 2013
HI
I highly recommend Rob Zuckerman of Prospect Mortgage. Over 20 years in the business.
561-741-7766
0 votes Thank Flag Link Fri Jul 26, 2013
Hi James,

Good going on the 50k down and hopefully your credit can move up in 6 months, as rates and prices are headed up so time is of the essence. I recommend Michal Bander at Guaranteed Rate, 954-684-9227. He can give you suggestions on improving your credit score, also he is a lender not a broker, so he does pre-approvals with his underwriter much quicker.
0 votes Thank Flag Link Thu Jul 25, 2013
Call Preston Ware, a mortgage broker that realtors rely on. 561-329-0075 or preston@prestonware.com


Marc Jablon, The Jablon Team
RE/MAX Complete Solutions
JablonTeam@gmail.com
561-213-6139
http://www.JablonTeam.com
0 votes Thank Flag Link Thu Jul 25, 2013
Hi James: I would highly recommend Debbie Reger from Academy Mortgage. She is located in east Boca Raton on Federal Highway. I am a realtor for the first time homebuyers program for the City of Boca Raton and some first time homebuyers have issues with their credit. Debbie has worked with quite a few of first time homebuyers to raise their scores. Academy Mortgage is not a mortgage broker and they have their own underwriting department in house unlike mortgage brokers. Debbie has been in the mortgage business for over 20 years and will answer her phone after 5 and on weekends!!!!!!! As I mentioned I am a realtor for first time homebuyers in the City of Boca Raton. The City currenly has funding available. If you would like additional informaiton on the program please do not hesitate to contact me.

Debbie Reger
Academy Mortgage
Office: 561-948-3529
debbie.reger@academymortgage.com

Sincerely,
Patricia Prosje PA
A1 Florida Real Estate
Ph: 561-750-4214
0 votes Thank Flag Link Thu Jul 25, 2013
HI James,

I do not give referrals of mortgage professionals lightly. As a former mortgage banker and broker...I do have one person I would recommend you speak with. Your candor about your credit information is what makes my decision an easy one. With banks reeling from their own financial mess...they have greatly tipped the scales toward conservatism. I highly recommend CLIFF BERNSTEIN with US MORTGAGE OF FLORIDA in Boca Raton. 561-886-0950 is his office and 561-213-6852.
Let me know how you make out.

Dean Emly, SRES, CDPE
Keller-Williams Realty/Boca
demly49@yahoo.com
561-901-7808 direct
0 votes Thank Flag Link Thu Jul 25, 2013
Hi James.

I've been working with Michael Childs for years now and he never, ever fails to take the best care of my clients for me. He gives excellent service and the absolute best rates and programs.

Waterstone Mortgage
Michael Childs | Senior Mortgage Advisor | NMLS #397895 | WaterstoneMortgage.com
601 Heritage Dr. #225 Jupiter, FL 33458 561.445.8502 OFFICE 561.578.4681 FAX 561.445.8502 MOBILE

GOOD LUCK and let him know I passed you his way.

Scott Miller
Realty Associates
Boca Raton, FL
561-716-4060
0 votes Thank Flag Link Thu Jul 25, 2013
Jarod Grob with Amerisave 561-568-0096. Amerisave is unique as it is a national company and their employees get paid a flat fee so they have no incentive to sell you a higher rate. They also have the lowest rates because they are predominately online based. Jarod offers excellent customer service and will lead you through the process.

Best regards,

Lilia Biberman
Coldwell Banker
561-352-4576
Liliabiberman@gmail.com
0 votes Thank Flag Link Thu Jul 25, 2013
Call Ryan Brandenberger with Bayburg financial. He is very good at getting clients credit repaired and doing rapid re-scores so that his clients can get the best rates possible. I've been recommending him to my clients for the past six years and he comes through every time. His number is 954-394-9005.
0 votes Thank Flag Link Thu Jul 25, 2013
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