Home Buying in Weston>Question Details

simari2jos, Home Buyer in Pembroke Pines, FL

Can anyone recommend a good realtor and/broker....I live in NY would like to buy instead of renting.

Asked by simari2jos, Pembroke Pines, FL Mon Apr 15, 2013

westom/pembrok I don't have employment for 2 years in fl. I'm working on my credit and I have 5%-7% down payment. Is there any program for someone like me.e area

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Maribel Torres Schnuer’s answer
Hello Simari.

At this point in time, it sounds like from what you are stating, that you will not qualify for purchasing a home, anywhere in the us.

Employment:
I'm confirming that you do need to have 2 years of employment. If you have a transit job and may continue to work from a remote state, you may have job credit history, and that issue would be resolved for you.

FHA Qualification:
Loan qualification is based on credit, current paystubs / income, bank statements - savings and checking accounts, and debt/expenses. Since you state that your credit is not so great and looking to put little money down, most likely you will not qualify for an FHA loan which requires a 640 + credit score, (check on that score number as it has changed from time to time). You most likely will be required to save more money for the down payment if your credit score falls below that number.

Best Wishes to You!
Maribel Torres Schnuer
Coldwell Banker Residential Real Estate
954-268-3975
1 vote Thank Flag Link Mon Apr 15, 2013
Please call me to discuss your options. It sounds like an FHA program will work best for your situation but will require additional details.

Regards,
Domingos

Domingos Carlos P.A.
Realtor-Associate
Direct: 305-301-4298
Fax: 954-384-7912
Coldwell Banker, RE
2690 Weston Road, Ste. 101
Weston, FL 33331
domingos.carlos@floridamoves.com
http://www.floridamoves.com/domingos.carlos
twitter: @imoveis_miami
Falo Portugues – Hablo Espanol


Do you know anyone looking to buy or sell real estate? Share my website for updated news and search criteria at http://www.floridamoves.com/domingos.carlos
0 votes Thank Flag Link Wed Apr 17, 2013
Hello
As an expert in the Broward Real Estate area I would be glad to help you in your search for the best rental according to your criteria.
also I work with a few mortgage brokers who have so far been able to help my customers. Every customer's situation is different and they will tell you whether you qualify or not and for what amounts you can be pre-approved. Once you have been qualified we can proceed to find you a house.


Please feel free to contact me at your convenience on my direct line at
Phone: 1-786-312-2056
email bnsturealtor@gmail.com
UNITED REALTY GROUP.
0 votes Thank Flag Link Tue Apr 16, 2013
You need to wait until you can qualified for a mortgage. It's kind of early to start looking, but give me a call. I can give you some insights what is going on in Pembroke Pines and Weston's markets.
0 votes Thank Flag Link Tue Apr 16, 2013
=
You need a Mortgage Broker who unlike banks, has access to creative programs

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 Tue Apr 16, 2013
Hi Simari,

As a realtor, I work with a few mortgage brokers who have so far been able to help my customers. Every customer's situation is different and they will tell you whether you qualify or not and for what amounts you can be pre-approved. Once you have been qualified we can proceed to find you a house.

Feel free to call me and I will connect you with my mortgage broker and work with you to find your new home.

Regards,

Razvan Chircu
Realtor-Associate

La Rosa Realty, LLC.
7800 N University Blvd. Suite 204
Tamarac, FL 33321

Mobile: +1-954-681-6281
Email: razforhomes@gmail.com
Website: http://www.razforhomes.com
0 votes Thank Flag Link Mon Apr 15, 2013
Hello,

please feel free to contact me regarding all mortgage loan approval requirements.

Best Regards,

Beate Rodriguez
Lic. Mortgage Specialist

1921 NW 150 Ave - Suite 103 C
Pembroke Pines, Fl. 33028

NMLS# 299 244

BeateRodriguez@gmail.com
954.695.4849
0 votes Thank Flag Link Mon Apr 15, 2013
Yes Call me to discuss your options!

Lynne Knapp
954-647-5335
0 votes Thank Flag Link Mon Apr 15, 2013
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