Discover Best Financing Option | Signature Miami Real Estate

I can pre-qualify you for a loan

As a real estate broker and a mortgage loan rriginator (NMLS 1880860)

FHA
Conventional
VA
Non-QM
Commercial Loans
Bridge Loans
Foreign Nationals

And many other types of loans, whether you’re looking for a loan to buy a home, or to refinance your current mortgage.

THE LOAN PROCESS

STEP 1

Complete your application. Rest assured it won’t impact your credit score.

STEP 2

We’ll go over the best options and find the one it’s best for you.

STEP 3

Review the approved loans and choose the best one.

STEP 4

Get ready to access the capital you need.

What are the types of loans for real estate?

There’s a loan for each kind of investment. Every loan is different and it depends on: • Profile • Income • Down payment And what’s more important: What you want to achieve.

Types of Loans

Conventional loan
- The downpayment can be as low as 3%.
- Loan term options available.
- Fixed rate or adjustable rate available.
- No monthly mortgage insurance with a minimum of 20% down payment.
Bank statement loan
- 12 months of bank statements required.
- Usable assets: Bank statements, bonds & stocks, 401K, and mutual funds.
- Loans up to 3M.
- Refinancing up to 2M.
Foreign national loan
- They’re divide in FRL & ARM.
- ARL or adjustable rate loans have payments that can be lower than a 30-year fixed rate, and can reduce your monthly payment in a big way.
- FRL or fixed rate loans are good if you’re planning to stay in the property for a minimum of 5 to 10 years; and your monthly payment wont change during the life of the loan.
Commercial loan
- Fixed and adjustable rate type of loans available.
- Down payment can be as low as 10%.
- Loans up to 5M.
- No monthly mortgage insurance needed.
- Multiple loan term options available.
Bank statement loan
- 12 months of bank statements required.
- Usable assets: Bank statements, bonds & stocks, 401K, and mutual funds.
- Loans up to 3M.
- Refinancing up to 2M.
Investor loan
- Maximum loan: 2.5M (purchase & rate/term).
- SFR, condo, 1-4 unit.
- Cash flow based on subject property.
- Tax returns: not required.
- Employment: not required.
- Income: not required.
- No debt to income ratio calculated.

Refinancing your current mortgage loan

Are you eligible for a refinance or to cash out your property equity?

Sometimes we might have some urgent financial needs, including home improvements, and having access to capital is possible by refinancing your home.

Lowering your loan’s interest rate can lower your monthly payment.

Refinance is a good idea?

It is a wise decision, or it may not be worth it financially. It depends on many factors:

The length of time you plan to live on your property.
Current interest rates
How long it will take to recoup the closing costs?

Sometimes evaluating if refinancing is a good idea for you, can be overwhelming

I’m here to help you navigate all the variables you need to take into account to make an informed decision.

let’s talk about what’s best for you

call me

Work With Victor

Ready to unlock your Miami real estate dreams? Whether you're a seasoned investor or a first-time buyer, our team of experts is here to guide you. Let Signature Miami Real Estate turn your real estate goals into reality!

Financing

I can pre-qualify you for a loan

Call me for a free evaluation and to explore the best financing options available for you

THE LOAN PROCESS

What are the types of loans for real estate?

Types of Loans

Conventional loan

Bank statement loan

Foreign national loan

Commercial loan

Bank statement loan

Investor loan

Refinancing your current mortgage loan

Are you eligible for a refinance or to cash out your property equity?

Refinance is a good idea?

Sometimes evaluating if refinancing is a good idea for you, can be overwhelming

let’s talk about what’s best for you

Work With Victor

Follow Me on Instagram

Financing

I can pre-qualify you for a loan

Call me for a free evaluation and to explore the best financing options available for you

THE LOAN PROCESS

What are the types of loans for real estate?

Types of Loans

Conventional loan

Bank statement loan

Foreign national loan

Commercial loan

Bank statement loan

Investor loan

Refinancing your current mortgage loan

Are you eligible for a refinance or to cash out your property equity?

Refinance is a good idea?

Sometimes evaluating if refinancing is a good idea for you, can be overwhelming

let’s talk about what’s best for you

Work With Victor

Follow Me on Instagram

Contact Details

Signature Miami Real Estate

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