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Now Taking Applications for the Hometown Heroes Program!
The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce.This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage interest rate and additional special benefits new homebuyers.Program Details:*Eligible full-time workforce, employed by a Florida-based employer can receive lower than market interest rates on an FHA, VA, Conventional first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.
*Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.
*Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence.
*The Florida Hometown Heroes loan is not forgivable.NEW FUNDS HAVE BEEN RELEASED! APPLY NOW TO SECURE YOUR FUNDS

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This Week's Featured Listing

Florida Mortgage and Loan LLC
NMLS1440083

Loan Types

FHA 203B
Not just for First Time Home Buyers! The FHA 203b is the traditional FHA purchase mortgage requiring only 3.5% down payment. It allows borrowers with lower credit scores to secure low interest rates because it is government insured. Mortgage insurance is required regardless of the down payment amounts and will be included in your payment until the loan has been paid off.
Term: 30 years
Maximum Amount: based on county limitsFHA 203K
The FHA 203k loan is designed to give you the funds needed to rehabilitate a home. Whether you just need cosmetic updating or a full home renovation, the FHA 203k can help you create the home of your dreams!
Term: 30 years
Maximum Amount: based on county limits
The FHA 203k requires you to qualify for both the purchase price of the home and any additional repairs with an additional 20% contingency reserve.VA
You earned your right to a great loan! VA loans are available with no down payment and can include the VA funding fee. You will need a certificate of eligibility and DD214 to determine if you qualify. Some funding fees are waived. No mortgage insurance is ever paid with a VA loan and interest rates are great.
Term: 30 yearsCONVENTIONAL/CONFORMING 15, 20 & 30 YEAR
Conventional and conforming loans are a great option for borrowers who have worked hard to keep their credit exceptional. Private mortgage insurance is added to any loan with less than 20% down but is removed once you reach a certain amount of equity in the home. Explore 15, 20 or 30 year terms to payoff your home sooner. Best in the industry interest rates and mortgage insurance that can be removed makes this a fantastic loan or the financially savvy borrower.
Term: up to 30 yearsBANK STATEMENT LOANS
Designed for the self employed, these loans take your deposits from 12 or 24 months as your income. No tax returns, 1099s or W2s needed.
Term: up to 40 years with interest-only or interest-bearing optionsINVESTOR LOANS
DSCR RATIO
Loans specifically designed for the investor in mind. These are for both owner and non-owner occupied homes only and are based on how much rent you will be collecting. Lenders want to see that the ratio of rent to expenses at least 1 or more.FIX & FLIP
These loans provide real estate investors with a fast and flexible way to fix and flip homes with interest only payment for up to 4 years.
Rates and down payments depend on experience.

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Florida Mortgage and Loan LLC
NMLS1440083

First Time Home Buyers

First Time Home Buyers include anyone who has not owned a home in the last 3 years
--OR--
someone who has only owned a home with a spouse and is a recently displaced homemaker or single parent

Looking to purchase a home for the first time? Here are a few tips to help your loan process go quickly and smoothly!1. Make sure your credit is in good shapeExcellent Credit: 750+
Good Credit: 700-749
Fair Credit: 650-699
Poor Credit: 600-649
b.Your credit card balances should be below 20% of the limit
c. It's best to have at least 3 open and active accounts listed on your credit report2. If you're renting, pay by check
a. Having documented proof of your last 12 months of payments is often required by the lender3. Obtain proof of employment for the past 2-years
a. W2s and tax returns
b. Paystubs covering 30 days
c. Be prepared to explain any gaps in employment greater than 3 months4. Avoid large deposits or withdrawals from your bank account5. Determine a down payment amount based on your available funds. Conventional requires a minimum of 3-5% down and FHA requires a minimum of 3.5% down. Other options require more down payment. Keep in mind that closing costs are estimated at an additional 3-5% of the purchase price.6. Get prequalified using our simple process7. Research a local real estate agent or ask us for a recommendation.

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Florida Mortgage and Loan LLC
NMLS1440083

Downpayment Assistance

Down Payment Assistance programs are available through outside agencies and lenders. Call us to find out what you may qualify for.These are some of the programs available locally:BorrowSmart program which offers up to $1500 down payment assistance to income qualified applicants.Hometown Heroes program through FHFA which offers a no interest, no payment loan to cover up to $25,000 in down payment and closing costs. You must currently be employed in one of the qualifying jobs.Realtors Association of St. Lucie Foundation, Inc. Attainable Housing Fund
Matched savings as a grant, up to $2,500 based on availability
*Contact the Realtors Association of Palm Beaches local office for detailsSt. Lucie County Home Purchase Assistance Program (SHIP/HOME) Low Income or Very Low Income
Maximum Amount: Up to $40,000 in assistance based on availabilityThrough our partner relationships, we have up to $5000 is available in down payment assistance for first time homebuyers moving from these areas:

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Florida Mortgage and Loan LLC
NMLS1440083

Refinance

Refinancing is the process of obtaining a new mortgage in an effort to reduce monthly payments, lower your interest rates, take cash out of your home for large purchases, or change mortgage companies. Most people refinance when they have equity on their home, which is the difference between the amount owed to the mortgage company and the worth of the home. You DO NOT need to have a current mortgage on your home to refinance. You should be on title for at least 6 months before applying for a refinance.One of the main advantages of refinancing regardless of equity is reducing an interest rate. Often, as people work through their careers and continue to make more money they are able to pay all their bills on time and thus increase their credit score. With this increase in credit comes the ability to procure loans at lower rates, and therefore many people refinance with their mortgage companies for this reason. A lower interest rate can have a profound effect on monthly payments, potentially saving you hundreds of dollars a year.Give us a call for a free quote or apply just below here.

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Florida Mortgage and Loan LLC
NMLS1440083

About Us

Florida Mortgage is committed to helping you find the right mortgage for you and your family. We are located in Fort Pierce, Florida and offer loans for purchasing, refinancing, and investing in St. Lucie and Martin County on the Treasure Coast of Florida. We understand that buying a home is a big decision and so is choosing the right mortgage broker. Our team has the knowledge and experience necessary to help guide you in the different types of loans available to you so you can make an informed decision on how to make the next step in your life. We make the process of securing a home loan simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Andrea Anicito is a local mortgage broker and realtor who lives, works and serves in St. Lucie County. She has 3 children and is married to Nick. In her spare time, she enjoys hanging out with family, camping, exploring new cities, riding horses and reading.
She has operated her own mortgage brokerage for more than 11 years and has over 15 years of experience helping people just like you find the perfect mortgage that works for them. Andrea is a Certified Military Relocation Expert. She serves as the Women's Council of Realtors Florida Events Chair, Women's Council of Realtors Stuart-Martin Network First Vice President, on the City of Fort Pierce Historic Preservation Board, Realtors of Palm Beaches, Broward and St Lucie as a TC Regional Board Director and Government Affairs committee and is a Florida Realtors Director. She is a member of Florida Association of Mortgage Professionals, National Association of Mortgage Bankers, Treasure Coast Opportunity Network. Andrea is an active member of the Fort Pierce Downtown Business Alliance and seeks to volunteer at many opportunities.Andrea encourages you to take advantage of our free pre-qualifications that allow us to review your credit without pulling it and hurting your score! Our goal is always to protect your best interest! Come by today and trust our local experts!

Lisa Cavooris has been in real estate for over 10 years and has experience as both a mortgage broker and realtor. Her in depth knowledge of the home buying process makes her a perfect advocate for home buyers. Call her today for more info!

Paula McKnight has over 25 years lending experience. She worked at one of the largest credit unions in Kentucky for 22 years where customer service was top priority followed by accuracy and timeliness. She makes no pressure mortgage loans by keeping you informed so you can make decisions on what’s best for you. Paula says she’s a “Kentucky girl living in a Florida world”. She recently relocated to Okeechobee, FL where she lives with her fiancé and her dog named “Dog”. Paula enjoys being outdoors whether boating or walking Dog. She has a story about Dog you have to ask about!

Felipe Rivas Ramos has been in the mortgage industry since 2005, worked as a RE broker's assistant for 4 years, and is very familiar with the market in the Treasure Coast. Google his name to see his reviews! Call or text his cell 772-940-8538 and buy your dream home or an investment property. Felipe is also bilingual.

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To get the pre-qualification process started, please click the [Get Started!] button below. It will send us a soft credit report that will not effect your credit. And it’s our goal to protect your credit score as long as possible.
(We wait to pull your Tri-merge mortgage credit report until you have a contract.)Once received, we will request your last bank statement and a recent paystub or benefit statement and your last 2 years of w2’s and 1099’s. Please keep an eye out fo an email from [email protected] to complete the pre-qualification.Please reach out anytime. We're here to help if you have questions about getting pre-qualified or the loan process. I look forward to hearing from you soon.

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Florida Mortgage and Loan LLC
NMLS1440083

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Florida Mortgage and Loan LLC
NMLS1440083