Most frequently asked questions

The most frequently asked questions when it comes to lending usually involve which program is the best option. Below are simple, straightforward explanations of the most common lending programs available.

Condo Loans
Because of all the ups and downs the Miami condo market has endured, there are some unique procedures you need to consider. Not all properties are available through traditional financing and not everyone can purchase a unit, regardless of credit worthiness.

Jumbo Loans
Depending on where you intend to purchase, jumbo loan limits will vary. For example, Fannie Mae-Freddie Mac limits in Monroe County are greater than Miami-Dade and Broward. Learn more by visiting our Jumbo Loans page or calling us.

Foreign Nationals
A foreign national is a legal resident or citizen of another nation looking to purchase a second home here in the U.S. It’s a complex mortgage process, but we have multiple options to choose from and sound advice in areas often overlooked.

Construction Loans
Construction mortgage loans are typically short-term loans with variable rates connected to the prime rate. Your construction timeline is important for approval, as are your budget and plans. These loans are usually obtained by a builder or by individuals.

VA Loans
VA Loans are one of the most consumer-friendly lending options available. They are one of the few lending options available with zero money down. Veterans or spouses to members of the military who died while in service qualify for VA Loans.

FHA Loans
FHA Loans are loans insured by the Federal Housing Administration. Like VA loans, FHA loans are among the easiest loans to qualify for and, thus, are very popular for first-time homebuyers.

Refinance
With interest rates still near record lows and with looming fears that this will soon change, refinancing is considered an attractive option for homeowners. Understanding the big picture about refinancing can help you choose the ideal plan for you.

Commercial Real Estate Loans
Looking to purchase your own office or additional warehouse space? We have a broad set of programs to choose from, available for office building, retail, industrial and hospitality.

If we haven’t covered something you wanted to know, please feel free to send us a note by filling the form below. We love educating our clients.

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