Florida Real Estate is coming back at a Steady Pace!

However, borrowers are finding it much harder to qualify with all the new Crippling government Over-regulations (i.e. the Dodd Frank Act) which are forcing lenders to continuously tighten guidelines!

However, there are still options. Below are some of the strongest programs for 2014, including the new Stated Income Alt Loans for Self Employed borrowers as well as the Florida Short Sale, BK, Foreclosure Forgiveness programs:

Review these programs, then email me at Steve@pro-option.com


  • 100% LTV- VA /USDA
  • 96.5% FHA
  • 97% LTV- Prim. Res. No PMI
  • 97% LTV- Condo- No PMI
  • 96% LTV- Jumbo- No PMI
  • 90% LTV- 2nd Home-No PMI
  • 89% LTV- Super Jumbo- No PMI
  • 80% LTV- Bank Statements for Income
  • 75% LTV- Foreign National
  • 85% LTV- Rental Property- No PMI
  • 70% LTV- Rental Property- No Tax Returns Required
  • 70% LTV- Manufactured Homes over 90k
  • 70% LTV- LOT LOANS over 90k

Stated Income Alt Loan Programs

  • 85% LTV-Short Sale, BK, Foreclosure forgiveness
  • 80% LTV- FIX n’ FLIP Invest. Prop.–No min. credit!
  • 75% LTV- Foreign Nationals to Super Jumbo
  • 75% LYV- Hard Money / Private Money


  • Stated Income/Alt.- to 85% LTV 20yr Amort./4.00% range
  • Stated Income/Alt.- to 75% LTV 30yr Amort./4.00% range
  • Office Buildings, Warehouses, Multi Unit, Apartments, Strip Malls, etc.
  • Under $500,000 loan amounts OK
  • Commercial Lots and Vacant Land

Note: Stated Income ALT programs are Not No Doc loans, borrowers must still show The Ability To Repay the Loan. However, these programs consider different forms of income streams and allow much more flexibility than other loans. Loan programs subject to change, qualifying, min. loan amts., values, lending areas and/or select properties. Pro Option Mortgage is not acting on behalf of or at the direction of HUD/FHA or the Federal Government.

Neither the United States Marine Corps nor any other component of the Department of Defense has approved, endorsed, or authorized this service.

Contact us 24/7 for a Quote and Qualification Letter

Steve McRory

NMLS # 204296

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.23% 4.37%
15-yr Fixed 3.37% 3.55%
1-yr Adj 2.43% 3.02%
* national averages