?????????ALL TYPES OF MORTGAGES??????

Let a Licensed Mortgage Broker Find the Right Mortgage for You.

Banks have @5 programs. 640 Score. All need income documents. Tax returns or pay stubs.

Mortgage Brokers have 20+ Programs. 580 Score may be OK. Many options to qualify. Even No Income Verification Mortgages.

Customers call me their Favorite Mortgage Broker.

Call to Get Started!

To get a mortgage, you need Credit, Money, and a Loan Officer.

Credit means: a 580 Credit Score. Active Credit. Such as credit cards or loans. No active credit then your odds are low. Not Terrible Credit the last 2 years. A 580 Score is low. It cannot be poor credit.

Terrible Credit means: A car repossession the last 12-24 months. Student loans or child support in collections. A bankruptcy or foreclosure in the last 2 years. A Low Score & Several Lates on auto loans the last year. No Open Credit Items.

Money means Documented Income: pay stubs, w-2s, or tax returns.

Self-Employed and taxable income is low? Use bank statements deposits to qualify.

Or, go with a No Income Verification with 20%-35% Down plus Closing Costs in the bank.

If you have Credit and Money, you may already qualify.

A Mortgage Broker Officer figures this for you.

Here is the list of some of my programs:

Conventional: 620 Score with & near perfect credit. 3%-5% Down

FHA: 580 Score, 620 is better. 3.5% Down. 10% down with Score under 580.

USDA: 580 Score. 0% Down.

VA: 560 Score. 0% down.

Self Employed: Score 580. Bank Statement Deposits to qualify. 10%-25% Down, depending on score.

Investors: 620 Score. 20% Down. Qualify on Rental Income.

Others: Fix & Flip. New Construction (build own). Condos. Manufactured Homes. Commercial.

No Income Verification Mortgages. $$ in bank for Down, Closing Costs & Reserves. See slide for Down Payment Guide.

Interest based on Score, Loan Program and Loan Size.

Not all applicants qualify.

Step 1: Get a Pre-Approval Letter.

Many realtors will not show you homes without one.

Pre-Approval Steps: have credit pulled, Official Mortgage Credit Report. This verifies your mortgage programs. Income verified (pay stubs and w2s) to determine loan size. Self-Employed need Tax Returns for traditional loans.

Start now to get Pre-Approved. Same Day Pre-Approvals.

Chris Luis. 941-219-4381. chris@chrisluis.com.

Or, go to ChrisLuis.com and fill out an application.

I work with federal and state licensed banks.

Mortgage Broker License NMLS#1159714.
Mortgage Loan Officer License NMLS#888571.

Licensed by the Texas Department of Savings and Mortgage Lending. The Florida Office of Financial Regulation. And, Pennsylvania Department of Banking and Securities.

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NOTICE REQUIRED BY LAW: This is not a commitment to make a loan. Loans are subject to credit and money qualifications. A property evaluation, equity in the home, and final credit approval. Not everyone receives a final approval. Approvals subject to underwriting guidelines, interest rates, and program guidelines. 3rd Party lenders can change programs without notice. Final approval decided by the 3rd Party Bank.