We have been a Florida Licensed Mortgage Brokerage Business since 2001. We underwrite our own loans through an Automated Underwriting System (AUS) called Desktop Originator. Through our new affiliated business, American Real Estate Advisors, LLC, we have been able to expand our loan service are to the entire United States. Through our own licensing and our affiliate relationship, we currently are able to offer the following types of home loans:

• Fixed Rate Mortgages - With interest rates being historically low, most home buyers are choosing this excellent and safe option. Your principal and interest payment remains the same throughout the entire term of the loan.
  
  
• Jumbo Loans - Currently in Florida, any loan size larger than $417,000 is considered a "jumbo" loan. This market segment has been hit very hard in 2008 and 2009 and most lenders have removed themselves from this size home loan. We are very fortunate to have available 5 & 7 year ARMS loans going up to $3,000,000. The rates are excellent - currently (5/28/09) 4.5% fixed for 5 years (APR 4.625%; 70% loan to value to $850,000 with acceptable credit score).
  
  
• 100% Financing for Purchases - This program has income and property area restrictions but it is perfect for the single person or young family buying a house in West Orange County, Lake County, Osceola County and other parts of Central Florida. Please contact us for specific information as there are very stingent guidelines but it's a great loan program since there is NO mortgage insurance.
  
  
• FHA - Through our affiliate, American Real Estate Advisors, LLC, we are now able to offer FHA loans throughout the United States. This loan program is backed by the Federal Government and only requires a minimum of 3.5% down payment.
  
  
• Foreign National Loans - This segment of the home buyer has been hit extremely hard. It is almost impossible at this time to get a home loan for our international friends, however, we are very fortunate to be able to offer an adjustable rate program for foreign national 2nd home and investment property purchasers. Currently (5/28/09) the requirements are restricted to 50% LTV and minimum valuation of $400,000 but it is a perfect financial instrument for the higher end home purchase.

Please contact us at your convenience for more information:

Maria Said, MBA
Toll Free Phone: 888-876-MARIA | Toll Free Fax: 888-844-1662
Email: