Prestamos Sin Verificacion de Ingresos | Florida | Stated Loans

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Florida real estate investors (national and foreign nationals) have now more lending options to keep adding properties to their real estate portfolio. Loan programs that were almost impossible to find are back thanks to all the lending investors out there willing to take a higher risk and put their money into real estate. Stated Loans, limited income verification loans and bank statement loans for investors make it easier to obtain a mortgage with limited paperwork and that is an advantage.

To fnd out more about Mortgage Loans for investment properties please contact us or visit our web at MortgageXP.com

||||||  Para los inversionistas inmobiliarios nacionales y extranjeros ahora existen muchas mas oportunidades para seguir comprando propiedades y seguir creciendo su portafolio inmobiliario en Florida y otros estados de la nacion. Lo que hasta hace poco parecia imposible en programas de financiamiento hoy es posible gracias a la cantidad inmensa de entidades financieras dispuestas a arriesgar un poquito mas y dar a los inversionistas inmobiliarios que no pueden lograr un credito hipotecario por los canales normales el capital necesario para la compra de edificios, casas, multifamiliares, terrenos para construccion. Los programas de verificacion limitada de ingresos o “Stated Loans” permiten a los inversionistas inmobiliarios que no pueden demostrar flujo positivo de ingresos obtener un credito basado en los depositos bancarios de los ultimos 24 meses y el valor de la propiedad a comprar. Los terminos son flexibles y las tasas de interes no son exageradamente altas si las comparamos a los intereses en el 2006 – 2008, los prestamos se cierran rapido y no hace falta tanta papeleria.

Buenas noticias para todo aquel que desea comprar para rentar, o el propietario de un negocio que busca expander o crecer y necesita comprar una propiedad comercial.

Si desea mayor informacion de este tipo de financiamiento no deje de visitar nuestra pagina MortgageXP.com en donde encontrara parte de los requisitos necesarios para hacer su compra o comuniquese con nosotros al 239-333-9729.

 

Danny Andrade,Broker NMLS#885021

MortgageXP.com by Loans Mortgage Financial Co NMLS#1310848

10981 Bonita Springs FL 34135. (239) 400-4707

For more SBA loan and other commercial or residential loan information in the State of Florida please contact Danny Andrade, NMLS#885021 | MortgageXP.com by Loans Mortgage Financial Company. Commercial and residential fix and arm loans, Jumbo Loans, Conventional Loans, FHA – USDA Loans, VA Loans, No Income Verification Loans, Bad Credit Loans, 1 Day out of Bankruptcy Loans, Investment – Multifamily Loans, Second Home and Vacation home financing, hard equity loans, tourist loans and work permit only loans in Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.

Para mas informacion acerca de estos prestamos SBA para negocios y otro tipo de financiamiento comercial o residencial en el estado de Florida llama a Danny Andrade NMLS #885021. con MortgageXP.com Loans Mortgage Financial Company .Prestamos y Financiamiento propiedades comerciales y residenciales con iteres fijo o variable, prestamos Jumbo, prestamos convencionales, prestamos FHA y USDA, prestamos VA, prestamos sin verificacion de ingresos, prestamos de casas con mal credito, prestamos para comprar casa 1 dia despues de la bancarrota, prestamos para comprar propiedades de inversion o vacacioales, prestamos para touristas o personas con permiso de trabajo y otras alternativas de prestamos para la compra en Florida con buen credito o mal credito en Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.

 

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Renta – For Rent? | Florida | Mejor Comprar – Be a Buyer

Are you looking at FOR RENT ads on craigslist, trulia, Zillow? Why not looking at FOR SALE ads instead?

Many of you are looking at “for rent” property ads daily without knowing that you could be looking at for sale ads instead, and rentals nowadays are not easy to find or landlords are asking for too much money.

To qualify for a mortgage loan may be easier than you think, event with previous foreclosure or bankruptcy you may qualify for financing at a low rate: such as the 550 credit score required program that we have. Think about this: a – $100,000 mortgage loan at the average rate of 4% (estimated) equals to a $453.00 (estimated) monthly mortgage payment, do you think you can afford that? of course you have to ask taxes, insurance and if in a community add HOA fees but still may be cheaper than renting and buying is like having a forced savings account that you can cash out at anytime, get your money back and get some extra money on your equity. All you have to do is call Danny at (239) 333-9729 for a free pre-qualification. Not convinced yet?

Down-payment: Normally a landlord will ask for first, last and security for you to move in, correct? how about if I tell you that you may need the same amount of money or less for a purchase, or you may not even need any money down! USDA loans finance up to 100% with no down payment required.

Closing costs: You may be able to get your closing costs from the seller (if program allows) and there are plenty of other sources that can help you with your closing costs.

If you don’t try you will never know, call me at (239) 333-9729 and find out if you can be a homeowner instead of another tenant. We have lenders for all Florida cities, all types of properties and most types of credits.

Esta buscando renta? porque no major buscar casas en venta?

Muchos de ustedes se pasan el dia buscando renta sin saber que podrian comprar sus casa aparte de que las rentas estan bastante escasas y caras!

Calificar para un prestamo para la compra de una casa – credito hipotecario – es bastante facil y aun si usted ha tenido problemas de credito, foreclosure o bancarrota tenemos un programa de financiamiento para usted como el que solo require 550 de puntaje de credito. Sabia usted que comprar una casa de $100,000 a un interes del 4% (estimado) tendria un pago mensual de solo $453.00 ? claro sin contar con los impuestos, el seguro y la asociacion si viviera en una, solo $453 de pago mensual! maravilloso! seria mas barato que pagar renta! y tambien seria como tener una cuenta de ahorro ya que cuando usted quiera puede cancelar sacar su dinero y hacer dinero en la ganacia de la plusvalia! Llameme hoy mismo al (239) 333-9729 para mayor informacion.

Pago de entrada: normalmente cuando renta le exigen el pago del primer mes, mas el ultimo, mas el deposito, verdad? que tal si le digo que con esa cantidad de dinero o hasta menos usted podria dar como pago de entrada, o incluso ni siquiera tendria que pagar con el programa de USDA que financia hasta el 100% de su compra!

Gastos de Cierre: Los gastos de cierre son minimos e incluso se podria pedir al vendedor que le ayude a cubrirlos o existen otros programas que le dan asistencia financiera para la compra de su casa.

 

Danny Andrade,Broker NMLS#885021

MortgageXP.com by Loans Mortgage Financial Co NMLS#1310848

10981 Bonita Springs FL 34135. (239) 400-4707

For more SBA loan and other commercial or residential loan information in the State of Florida please contact Danny Andrade, NMLS#885021 | MortgageXP.com by Loans Mortgage Financial Company. Commercial and residential fix and arm loans, Jumbo Loans, Conventional Loans, FHA – USDA Loans, VA Loans, No Income Verification Loans, Bad Credit Loans, 1 Day out of Bankruptcy Loans, Investment – Multifamily Loans, Second Home and Vacation home financing, hard equity loans, tourist loans and work permit only loans in Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.

Para mas informacion acerca de estos prestamos SBA para negocios y otro tipo de financiamiento comercial o residencial en el estado de Florida llama a Danny Andrade NMLS #885021. con MortgageXP.com Loans Mortgage Financial Company .Prestamos y Financiamiento propiedades comerciales y residenciales con iteres fijo o variable, prestamos Jumbo, prestamos convencionales, prestamos FHA y USDA, prestamos VA, prestamos sin verificacion de ingresos, prestamos de casas con mal credito, prestamos para comprar casa 1 dia despues de la bancarrota, prestamos para comprar propiedades de inversion o vacacioales, prestamos para touristas o personas con permiso de trabajo y otras alternativas de prestamos para la compra en Florida con buen credito o mal credito en Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.

100% Financiamiento con prestamos USDA | USDA Loans | Florida

MortgageXP by Loans Mortgage Financial Co Florida Mortgage Brokerage 1

ENGLISH and SPANISH

100% Financing Alert: USDA loans with no down payment and no cash reserves required are available for all Florida cities for qualified buyers with 640 credit score and Sellers can help you with some closing costs! What great deal to become a homeowner in Florida. These loans apply to purchase and refinance in all Florida Cities, check the income and area limits CLICK HERE TO VIEW FLORIDA USDA ELEGIBILITY   or check the Florida USDA website HEREFlorida USDA website HERE Call us for more information.

100% de financiamiento: Los prestamos USDA ( Departamento de Agricultura de Estados Unidos) estan disponibles sin cuota de entrada para compradores calificados, se aceptan creditos con puntaje desde 640 y el vendedor puede ayudarlo con ciertos gastos de cierre! que gran oportunidad para comprar su casa ahora mismo y ser propietario. Estos prestamos aplican a compra o refinanciamiento en toda las ciudades o areas de FLorida aprobadas por USDA. Llamanos hoy mismo para mayor informacion. Seguir los link arriba para ver los limites de ingresos y las areas que califican para este prestamo o hace click aqui

 

Danny Andrade,Broker NMLS#885021

MortgageXP.com by Loans Mortgage Financial Co NMLS#1310848

10981 Bonita Springs FL 34135. (239) 400-4707

For more SBA loan and other commercial or residential loan information in the State of Florida please contact Danny Andrade, NMLS#885021 | MortgageXP.com by Loans Mortgage Financial Company. Commercial and residential fix and arm loans, Jumbo Loans, Conventional Loans, FHA – USDA Loans, VA Loans, No Income Verification Loans, Bad Credit Loans, 1 Day out of Bankruptcy Loans, Investment – Multifamily Loans, Second Home and Vacation home financing, hard equity loans, tourist loans and work permit only loans in Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.

Para mas informacion acerca de estos prestamos SBA para negocios y otro tipo de financiamiento comercial o residencial en el estado de Florida llama a Danny Andrade NMLS #885021. con MortgageXP.com Loans Mortgage Financial Company .Prestamos y Financiamiento propiedades comerciales y residenciales con iteres fijo o variable, prestamos Jumbo, prestamos convencionales, prestamos FHA y USDA, prestamos VA, prestamos sin verificacion de ingresos, prestamos de casas con mal credito, prestamos para comprar casa 1 dia despues de la bancarrota, prestamos para comprar propiedades de inversion o vacacioales, prestamos para touristas o personas con permiso de trabajo y otras alternativas de prestamos para la compra en Florida con buen credito o mal credito en Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.

Prestamos SBA para Negocios | Naples – Florida | SBA Loans

If you are a business owner you must know about the SBA loans (Small Business Administration), made for small businesses. To buy property there are other loan type options such as the bank statement only loans (no income tax report required) which makes a commercial property purchase quite easy.

Si eres propietario de un negocio entonces debes conocer acerca de los prestamos del Small Business Administration especialmente disenados para negocios pequenos. Para comprar propiedades comerciales existen otras opciones tales como el que solo tiene que presentar estados de cuenta de banco y no los reportes de impuestos anuales.

SBA 7(a) LOAN PROGRAM

The 7(a) Loan program is the SBA’s primary business loan program. It is the agency’s most frequently used non-disaster financial assistance program because of its flexibility in loan structure, variety of uses for the loan proceeds and availability. The program has broad eligibility requirements and credit criteria to accommodate a wide range of financing needs.

El programa de financiamiento 7(a) es el principal programa del SBA. Este prestamo es el mas usado para asistencia a pequenos negocios, en no-desastre. Tan facil por su flexibilidad para estructurarlo y la variedad de usos permitidos. Este programa tiene amplia elegibilidad y de requerimientos de credito para acomodar una variedad de necesidades financieras.

The business loans that SBA guarantees do not come directly from the Agency, but rather from banks and other approved lenders. The loans are funded by these organizations and they make the decisions to approve or deny the applicants’ request for financial assistance.

Este financiamiento no viene de la agencia directamente pues canalizado atravez de bancos y financieras aprobadas. Los prestamos son generados por estas organizaciones y ellos toman las decisiones de aprovar o negar este prestamo.

The guaranty that SBA provides the lenders reduces the lender’s risk of borrower non-payment by providing a guaranty on a percentage of the total loan. If the borrower defaults, the lender can request that SBA pay the lender that percentage of the outstanding balance which the Aagency guaranteed. This allows the lender to recover a portion of the defaulted debt from the SBA if the borrower can’t make the payments. The borrower is still obligated for the full amount.

La garantia de estos prestamos se la da el SBA atravez de un porcentaje y asi los bancos reducen su riesgo en caso de que el aplicante no pague la deuda. Si el cliente no paga el banco puede pedir al SBA que le pague el porcentaje asegurado lo que ayuda a la entidad bancaria a recuperar parte de la deuda pero el adeudor todavia debe el prestmo completo.

To qualify for an SBA guaranteed loan, a small business must meet the lender’s criteria and the 7(a) program requirements. In addition, the lender must certify that it would not provide this loan under the proposed terms and conditions without an SBA guaranty. If the SBA is going to provide a lender with a guaranty, the applicant must be eligible and creditworthy and the loan structured under conditions acceptable to the SBA.

Para calificar para este prestamo garantizado por el SBA, el negocio debe cumplir la criteria de los bancos. Ademas la institucion financiera debe certificar que no proveera el prestamo a menos que sea garantizado. Si el SBA va a garantizar el prestamo el aplicante debe ser elegible y el prestamo tiene que estar estructurado en condiciones aceptables para el SBA

What a clients needs (Lo que necesitas para calificar)

A Business Plan that includes: Plan de Negocio

  • Purpose of the loan, Proposito del prestamo
  • History of the business Historia del negocio
  • Projections of income, expenses and cash flow as well as an explanation of the assumptions used to develop these projections. Projecciones de ingresos, egresos asi como una explicacion.
  • Personal financial statements on the principal owners Estados financieros personales
  • Resume(s) of the principal owners and managers. Hoja de vida del propietairio principal
  • Amount of investment in the business by the owner(s) Monto Invertido en el negocio.
  • Projected opening-day balance sheet (new businesses) Hoja de finaciiamito
  • Lease details Detalles del prestamo residenial y commercial//
  • Proposed Collateral

Financial Statements that include:

  • Balance Sheet and Income Statement (P&L) for three years (existing businesses) (Tax Returns usually suffice)
  • Interim Financial Statements dated within 120 days of the request for assistance
  • Schedule of term debts (existing businesses)
  • Aging of accounts receivable and

This loan is financed at 90% LTV all inclusive (real estate or lease held improvements and FF&E)

 

Danny Andrade,Broker NMLS#885021

MortgageXP.com by Loans Mortgage Financial Co NMLS#1310848

10981 Bonita Springs FL 34135. (239) 400-4707

For more SBA loan and other commercial or residential loan information in the State of Florida please contact Danny Andrade, NMLS#885021 | MortgageXP.com by Loans Mortgage Financial Company. Commercial and residential fix and arm loans, Jumbo Loans, Conventional Loans, FHA – USDA Loans, VA Loans, No Income Verification Loans, Bad Credit Loans, 1 Day out of Bankruptcy Loans, Investment – Multifamily Loans, Second Home and Vacation home financing, hard equity loans, tourist loans and work permit only loans in Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.

Para mas informacion acerca de estos prestamos SBA para negocios y otro tipo de financiamiento comercial o residencial en el estado de Florida llama a Danny Andrade NMLS #885021. con MortgageXP.com Loans Mortgage Financial Company .Prestamos y Financiamiento propiedades comerciales y residenciales con iteres fijo o variable, prestamos Jumbo, prestamos convencionales, prestamos FHA y USDA, prestamos VA, prestamos sin verificacion de ingresos, prestamos de casas con mal credito, prestamos para comprar casa 1 dia despues de la bancarrota, prestamos para comprar propiedades de inversion o vacacioales, prestamos para touristas o personas con permiso de trabajo y otras alternativas de prestamos para la compra en Florida con buen credito o mal credito en Marco Island – Naples, Estero, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda, Arcadia, Brandon, Bradenton, Tampa, Orlando, Daytona, Jacksonville, West Palm Beach, La Belle, Miami, Miami Beach, Bricklel, Kendall, Weston, Sawgrass, Fort Lauderdale any other Florida city.