Lenders - Mortgages

1st Mortgages, 2nd Mortgages, Seller Financing, Bridge Loans, Private Lenders, Equity Lines and more are options when not paying cash.  Gidget will review these options with you and help find the best fit for your purchase.  

Financing in the Florida Keys

Depending on your individual needs for financing there are many options to finding funding in the Florida Keys.  From residential to commercial purchases it's important to not only shop rates but use a lender that likes to lend on the type of product you are purchasing.

One of my favorite places to get up to date rates is BankRate.com.  Compare rates, estimate payments and get a feel for the financial markets.

Don't forget to have a conversation with lenders you have been doing business with both locally and back home.  If you have a good banking relationship established the lender may give you better terms than you could find otherwise.

Loans like Jumbo, FHA, VA, mobile homes and others have minimum and maximum loan amounts and rates may also vary.

Compare Mortgage Rates
Free mortgage compare rates widget by Bankrate.com
Compare mortgage rates and review lenders.

New House Calculator
Free new house calculator by Bankrate.com
Use this new house calculator to find mortgage limits.

Mortgage Stories
Free mortgage stories widget by Bankrate.com
Read current personal finance and mortgage stories.

Reverse Mortgages For Seniors
Federally Insured HECM Purchase Program (H4P)
Over 62, buy with 
No Credit Requirement
No Income Requirement
No Debt Ratio to calculate
No Required Monthly Mortgage Payments (Payments are Optional)
No Hassles

Single Family $729,750
Duplex $934,200
Tri-plex $1,129,250 
Four-plex $1,403,400

Mortgage Calculator


Traditional Loan Document Requirements
  • Past 2 years W-2 statements.
  • Pay Stubs covering the last 30 days.
  • Most recent 3 months bank statements.
  • Copy of the Purchase and Sale Agreement.
  • If your are currently renting ...either 12 months canceled rent checks or the name and address of your current landlord.
  • A letter of explanation for any known credit problems.
  • For Self-Employed borrowers, Employed in sales, Paid by commission or Owns Real Estate, we offer easy No Income, No Asset verification programs. These programs require little to no documentation. However, full documentation programs will require the following paperwork:
    • 2 years signed personal tax returns - including all schedules.
    • If self employed through a corporation, last 2 years corporate returns as well as a year-to-date profit and loss statement and balance sheet.