located right on the beach...and with the tennis courts free to residents, and good schools,
minutes from places of worship, restaurants, shops, Bal Harbour Shops Mall...
And - my personal favorite - wide, not hugely populated, beaches and the beautiful walkway near dunes...
So - let's make it happen for you.
First thing you can do is sit down with a great mortgage pro who is straight/frank.
I can recommend one for you off line (feel free to email me).
Have your credit report pulled from all 3 bureaus - and check for incorrect information and errors.
If any, right to the bureaus requesting the info being removed/fixed.
Provide supporting documentation if required.
While sitting down with the mortgage pro - ask how you can improve your loan preparedness.
Paying off old collections and medical bills that are past due helps a lot, paying credit card debt
below 30% of available limit helps too. Having more available credit helps, but only if
you open new credit lines within 90-120 days window. More often would hurt your credit,
as every credit pull bring the score down 5 to 10 points.
Hope this helps,
Beachfront Realty, Inc.
It is likely, as self employed borrowers and in your situation the best case will be 20% down.
Email me at Steve@pro-option.com and I'll send you the pre-qualification forms to complete and return so you can see where you stand.