Loan Programs

We offer a full range of programs to meet the unique needs of our borrowers.  Whether this is your first home, or you're stepping up to your dream home, we have loan programs to suit a wide variety of needs.  

 

NON-PRIME ›››

We offer programs with flexible terms for special circumstances: 

  • PRIOR HOUSING EVENTS -  No Waiting Periods.   Close as early as one day out of Foreclosure, Short-Sale or Deed-in-Lieu.  For a prior Bankruptcy, close as early as 12 months from date of discharge.
  • FOREIGN NATIONALS
  • BANK STATEMENT INCOME QUALIFICATION - Self-employed borrowers can use bank statement average deposits, instead of traditional tax return income.  
  • Credit scores down to a 500 credit score

HOMESTEAD EXEMPTION:

The window to file for your homestead exemption is January 1 - March 1.   This is your time to enjoy the savings off of your tax bill. 

THE DEADLINE TO FILE IS MARCH 1, 2017.  

CLICK FOR MORE INFORMATION.  Most counties allow you to file online. Here are three counties in West/Central Florida counties: 

TO SEE ALL FLORIDA COUNTIES, CLICK HERE

 

HILLSBOROUGH COUNTY

**Multiple Locations**

15th Floor County Center

601 E. Kennedy Boulevard

Tampa, Florida 33602-4932 

APPLY ONLINE: https://homestead.hcpafl.org/ApplyOnline/WebForm1.aspx

PINELLAS COUNTY

**Multiple Locations**

29269 US HWY 19 North

Clearwater, FL 33761

APPLY ONLINE: http://www.pcpao.org/

NOTE:  You must first locate your property on the site, then click “File For Homestead Exemption”

PASCO COUNTY
**Multiple Locations**
4111 Land O'Lakes Blvd., Ste. 206,
Land O'Lakes, FL 34639-4437
Ph: (813) 929-2780
APPLY ONLINE: http://www.appraiser.pascogov.com/


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Equal housing lender. This is not a commitment to lend.  Not all borrowers will qualify for the loan programs listed.  All programs terms and conditions are subject to change and may be discontinued without prior notice. Not for public distribution. Contact loan originator for program questions and scenarios.