Tag: floridamortgagecalculator

Worried about choosing the right lender for your investment property? Our clients say Fidelity Home Group delivers a smooth, professional mortgage experience that helps their offers stand out. Book a consultation on the link in bio. Comment ‘P&L’ if you’re self-employed. ? Link in bio #FloridaInvestments #MortgageHelp #RealEstateLoans #HomeBuyingTips #FidelityHomeGroup ? original sound – Fidelity Home Group® – undefined

In the spirit of the season, Human Solidarity Day reminds us how powerful kindness and unity can be. Let’s stand together supporting one another and spreading hope. Together, we’re stronger! ?? #HumanSolidarityDay #Unity #KindnessMatters #TogetherStronger #SpreadHope ? original sound – Fidelity Home Group® – undefined

Worried about qualifying for an investment property loan? ? DSCR loans let you qualify using your property’s income — no personal income verification needed. These loans are made for investors, requiring a 660+ credit score and a down payment starting at 20%. You can even close the loan under an LLC or corporation, making it perfect for your investing strategy. With no lease requirements and options for purchase or refinance, DSCR loans support your growing portfolio with flexibility up to $5 million. Learn more about how DSCR mortgages work and if they’re right for your next investment. Link in bio. Comment “DSCR” if you want to invest smarter! ? ? Link in bio #RealEstateInvesting #DSCRLoans #InvestmentProperty #FloridaRealEstate #MortgageTips ? original sound – Fidelity Home Group® – undefined

Nothing brings people together quite like the smell of freshly baked cookies! On Bake Cookies Day, let’s celebrate those joyful moments in the kitchen creating treats and memories. What’s your favorite cookie to bake or share? ??? #BakeCookiesDay #HolidayBaking #SweetTraditions #CozyKitchen #BakeWithLove ? original sound – Fidelity Home Group® – undefined

Stuck in mortgage approval limbo? You’re not alone! Many investors feel like they’re dancing in circles trying to find the right loan. Understanding your options can help break the cycle. Ready to move forward? Comment ‘Loan Dance’ if this sounds familiar! ? Link in bio #MortgageApproval #HomeLoans #InvestmentProperty #FloridaRealEstate #LoanTips ? original sound – Fidelity Home Group®

Self-Employed and Business Owners, as well as those who earn seasonal income, are finally starting to have access to excellent mortgage options. This includes mortgage products that do not require you to submit any Tax Returns, W2’s or Pay Stubs, but rather allow you to use bank statements to verify your income instead. Want to learn if this fits your situation? Check out the link in our bio for details. ? Comment “Bank Statement Loan” if you’re self-employed and want to know more! #SelfEmployedMortgage #BankStatementLoans #InvestmentProperty 12MonthBankStatementLoans ? Link in bio #24MonthBankStatementLoans #FloridaRealEstate #MortgageHelp ? original sound – Fidelity Home Group® – undefined

Worried that being self-employed will make it hard to get a mortgage? Many lenders ask for strict tax returns that don’t tell the full story. Our Self-Employed Mortgages look at different ways to verify your income, so you can get approved without the usual hassles. ? If you’re self-employed and want to learn more, book a consult with us—link in bio. And comment ‘P&L’, ‘Bank Statement, ‘Stated Income’, etc..if that’s you! ? Link in bio #SelfEmployedMortgage #InvestmentProperty #FloridaRealEstate #MortgageHelp #RealEstateInvesting ? original sound – Fidelity Home Group® – undefined

Wishing all who celebrate a joyful and bright start to Hanukkah! May the Festival of Lights bring happiness, peace, and warmth to your homes and hearts. ??? Happy Hanukkah! #Hanukkah #FestivalOfLights #SeasonOfJoy #CelebrateDiversity #HappyHanukkah ? original sound – Fidelity Home Group® – undefined

If you have substantial assets but limited income, you might still qualify for a mortgage in Florida through asset depletion loans. These loans look at your total assets rather than traditional income sources. Here’s how it works: your assets are divided by 60 months to calculate monthly qualifying income. If you’re 59.5 or older, 100% of liquid assets count; if younger, retirement assets count at 50%. You can borrow up to 80% of the property’s value, with a minimum 20% down payment and credit scores from 700 upward. The loan covers primary, secondary, and investment properties, including non-warrantable condos. It allows flexible terms like 3/1, 5/1, 7/1 ARMs, and 30-year fixed loans. This can be a useful path if your income doesn’t reflect your wealth. If you have questions about how asset depletion loans can help you buy property in Florida, reach out. We’re here to help. ? Which Florida city are you looking to buy in? ? Link in bio #FloridaRealEstate #AssetDepletionLoans #AssetQualifierloans #HomeLoanFlorida #FidelityHomeGroup ? original sound – Fidelity Home Group® – undefined

? Not all Florida condos qualify for conventional mortgages. Why? Many condos are deemed “non-warrantable” because they don’t meet criteria set by agencies like Fannie Mae and Freddie Mac. Common reasons include new construction, limited owner control over the HOA, low insurance coverage, underfunded reserves, high renter or investor percentages, short-term rentals, or ongoing legal issues. Fidelity Home Group offers specialized non-warrantable condo loans that help you finance these properties. We provide loans up to $6 million, flexible terms including ARM and 30-year fixed options, and consider debt-to-income ratios up to 50% with compensating factors. If you’re looking at condos in Florida that don’t fit the conventional mold, we’re here to help guide you. Which Florida city are you house-hunting in? ? Link in bio #FloridaRealEstate #CondoLoans #NonWarrantableCondoloans #MortgageHelp #FidelityHomeGroup ? original sound – Fidelity Home Group® – undefined