• 100% Financing available for First Responders Nurses, Military (Active & Inactive), Police Officers, EMT's, and Firefighters

100% Financing available for First Responders Nurses, Military (Active & Inactive), Police Officers, EMT's, and Firefighters

The following Counties: Collier, Lee, Charlotte, Desoto, Sarasota, Manatee, Hillsborough, Pinellas, Polk, Pasco, Hernando, Seminole, Orange, Osceola, Duval, Lake, Clay, St Johns, Volusia, St Lucie, Palm Beach counties.

  • 30-year first mortgage loans. Either 10-year, 15-year, 20-year, or 30-year fixed rate or7/1, 3/3 Adjustable Rate Mortgages (No Balloon Payment necessary, 30-year amortization schedule even on adjustable rate mortgages.)
  • The program is offered to all Nurses, (RN, LPN, APN, NP, MSN, BSN), Firemen, EMT's, Police and all current and Veteran Military personnel who have been Honorably Discharged from the Military and who meet income, purchase price and other program guidelines and can qualify for the mortgage loan.
  • No First Time Home Buyer requirement and No Buyers Education Classes required.
  • Finance 100% of the purchase price.
  • Buyer must have at least $1000 for Closing Costs in the transaction. The Earnest Money can be used for the $1000 requirement.
  • Gift Funds allowed for Closing Costs.
  • This program allows for higher borrower income limits.
  • This program can only be used in 21 approved Florida Counties.
  • Credit scores generally a minimum of 680 middle FICO score and above, some exceptions may be possible depending on particular compensating circumstances.
  • Maximum LTV 100% up to a $250,000 loan. Homes that cost more than $250,000 would require the difference to be paid in cash at Settlement or 97% LTV up to a $300,000 mortgage loan.
  • No cash back at closing.
  • No First Time Home Buyer requirement and No Buyers Education Classes required.
  • 1 unit only - Single Family Residence, Townhouses and some Condos possible.
  • No household income limitation- Only Applicant(s) income for qualification purposes.
  • NO mortgage insurance for Borrower with this Conventional style program.
  • Seller contribution 3% maximum towards Buyers closing costs
  • Purchase only, no construction to permanent loans - no investment properties.
  • Owner Occupants only-No Investors.
  • Cannot own any FINANCED real estate at the time of application.
  • Up to a $3000 Lender Credit available on certain versions for Closing Costs.
  • Good verifiable work history required.
  • No cash back at closing.