Discover Florida Home Loan Programs with
Linx Mortgage Group
Embark on a journey through the varied Florida Home Loan Programs offered at Linx Mortgage Group. Tailored to meet the unique needs of our clients across Sarasota and throughout Florida, our selection encompasses everything from first-time home buyer incentives to refinancing solutions, each designed to facilitate your path to homeownership. Whether you’re navigating the complexities of buying your first home or seeking to leverage the equity in your current property, our Florida Home Loan Programs are crafted to provide you with the options you need to make informed decisions.
This dedicated page delves into each program’s specifics within our Florida Home Loan Programs portfolio. From conventional loans suited for the traditional buyer to government-backed options like FHA, VA, and USDA loans for those who qualify, and even specialized products such as jumbo loans and offerings for investors, we cover a broad spectrum to ensure you find the perfect match. Our commitment is to offer a comprehensive understanding of each option, empowering you with the knowledge to select a loan that seamlessly aligns with your lifestyle and homeownership goals in Florida.
This dedicated page delves into each program’s specifics within our Florida Home Loan Programs portfolio. From conventional loans suited for the traditional buyer to government-backed options like FHA, VA, and USDA loans for those who qualify, and even specialized products such as jumbo loans and offerings for investors, we cover a broad spectrum to ensure you find the perfect match. Our commitment is to offer a comprehensive understanding of each option, empowering you with the knowledge to select a loan that seamlessly aligns with your lifestyle and homeownership goals in Florida.
Explore the possibilities and unlock the potential of our Florida Home Loan Programs, your guide to finding the ideal solution for your mortgage needs in the Sunshine State.
First-Time and Low-Down Payment Options
- Conventional Loans with 3% Down: Ideal for first-time home buyers or those with a smaller down payment, offering competitive rates and flexible terms.
- FHA down to 500 FICO: Accessible home financing for buyers with lower credit scores, requiring as little as 3.5% down.
- Down Payment Assistance & Grant Programs: Programs designed to help reduce the upfront costs of buying a home, perfect for buyers who qualify for assistance.
Specialized Purchasing & Renovation Loans
- FHA 203k & Fannie Mae HomeStyle Renovation: Finance both the purchase of a home and the cost of its renovation with a single loan.
- VA (Veteran’s Administration) Loans: Exclusive to veterans and active military, offering zero down payment options and favorable terms.
- USDA Loans: For rural and suburban home buyers, offering zero down payment and low rates.
- Foreign Nationals Loan Program (ITIN): Tailored financing for non-U.S. citizens looking to purchase homes in Florida.
Advanced Financing Solutions
- Jumbo Loans: Financing for high-value properties that exceed the limits of conventional loans.
- Non-QM Options: Non-traditional mortgage solutions for those not meeting the standard lending criteria.
- Bank Statement or 1099 or Profit and Loss Only: Ideal for self-employed individuals who use bank statements or other documents to prove income.
Investment & Property-Specific Financing
- Fix and Flip for Home Investors: Short-term financing for investors looking to renovate and sell properties.
- DSCR Investment Property Cash Flow Programs: Loans are based on the cash flow generated by the property rather than personal income.
- Manufactured Housing Loans: Specialized loans for purchasing manufactured homes.
- Non-Warrantable Condo Financing: For condos that do not meet conventional guidelines, offering alternative financing options.
Unique Situations & Opportunities
- Reverse Purchases & Refinances: Allows seniors to tap into their home equity to secure cash or purchase a new home.
- One Day Out of Foreclosure, Short Sale, or Bankruptcy Loans: Financing options for those recently out of financial hardship.
- Interest Rate Buydowns: Lower your interest rate for the initial years of your mortgage.
- Self-Employed Borrower Programs: Tailored loans considering the unique income situations of self-employed individuals.
Additional Financing Options
- Escrow Holdbacks: Allows funds to be set aside in escrow for repairs or upgrades post-closing.
- Home Equity Loans & Lines of Credit: Utilize the equity in your home to secure funds for various needs.
- Hard Money Lending: Asset-based lending suitable for those needing quick financing.
- Bridge Loans: Short-term loans to bridge the gap between selling a current home and purchasing a new one.
Niche and Innovative Programs
- Liquid Assets Qualifier: Qualify for a loan based on liquid assets rather than income.
- One-Time or Ground-Up Construction: Finance the construction of your new home from the ground up.
- Cannabis Income: Loans that consider income from the legal cannabis industry.
- Hobby Farming: Specialized loans for small-scale agricultural ventures.
About
Linx Mortgage Group’s approach is all about understanding your unique needs and providing clear, tailored advice to help you make informed decisions. Whether you're buying your first home, refinancing, or exploring investment opportunities, we're committed to presenting options that align with your goals.
Contact
Amy Velsh
Certified Mortgage Advisor & CEO
NMLS# 2077378
Linx Mortgage Group LLC
NMLS# 2550938
1626 Ringling Blvd Suite 102
Sarasota, FL 34236
Phone: 941-315-5877
Email: [email protected]
Copyright ©2024 Linx Mortgage Group LLC. NMLS# 2550938. All Rights Reserved. Florida Mortgage Broker License NMLS 2550938; We arrange but do not make loans. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. This Is Not An Offer To Enter Into An Agreement. Not All Customers Will Qualify. Information, Rates, And Programs Are Subject To Change Without Notice. All Products Are Subject To Credit And Property Approval. Other Restrictions And Limitations May Apply. Equal Housing Opportunity. Privacy Policy. Terms of Use. Site by Rachelle Deem