Call Now 954-667-9110

Divorce Mortgage Refinance Buyout

Divorce BuyOut Florida Mortgage Refinance

Yes, you can refinance with bad credit in Florida using a Divorce BuyOut agreement. Typically, a divorce mortgage refinance is needed to remove one spouse from the loan and title, often through a cash-out refinance to access equity and buy out the other spouse. In Florida, divorce law follows the equitable distribution principle, meaning assets are divided fairly but not always equally, as outlined in Florida Statute § 61.075. For assistance with cash-out refinancing for all property types and situations, call Thomas Martin at 954-667-9110.

Divorce Mortgage Refinance: You’re Not Alone

Florida ranks among the states with the highest divorce rates. Around 40% to 50% of marriages in Florida eventually end in divorce. Florida consistently ranks among the highest in the nation for divorce refinancing, with about 3.4 divorces per 1,000 residents annually, above the national average of 2.4 per 1,000.

Florida Divorce Mortgage Refinance Concerns:

Concerns	Actions Needed
Credit Score	ALL CREDIT WELCOME – Bad Credit Cashout Refinance In Florida.
Equity	Is there enough equity to satisfy the buyout agreement?
Income	Is your sole income enough to qualify for the new mortgage amount? No Tax Return – No Income verification mortgage options.
Title	The title company will pay off the departing spouse in exchange for the title.
Property Types	Residential – Commercial – Land – All Property Types Welcome
Contingency	What’s “Plan B” if the refinance is declined? The ex-spouse who remains in the home can sign a promissory note and a subordinate mortgage to tie the debt to the property, thereby compensating the departing spouse for their share of the equity.
Situations	Refinancing balloon mortgages, Collection accounts, judgments, adjustable rates, liens, property taxes, judgments, Lis pendens, Claims of lien, Florida tax liens, Bankruptcy, Code violations, Final judgments, Buyouts, Late payments, Tax lien, Department of Revenue, Behind on HOA, Stop-Foreclosure, Probate, Divorce, or Partner buyouts,

Florida Cashout Refinance Divorce Buyout

Components to Divorce Buy-Out Refinance

Equity Buyout Strategy: When one spouse wants to keep the house, a cash-out refinance is used to buyout the departing spouse’s share of equity. This only works if there is enough equity to work.
Qualification Hurdles: Sometimes, qualifying can be challenging on a single income. The retaining spouse must qualify for the new mortgage at the time, with a higher interest rate and a higher loan amount, on a single income.
Alimony OR Support as Income: Alimony and child support can be used as mortgage-qualifying income if there is a documented 6+ months history. This follows a “6 OR 36” rule: 6 months of documented receipt and a requirement that payments must continue for at least 36 months after the loan closes.
Removing Spouse from Title: A quitclaim deed is typically executed to transfer ownership, thereby removing the non-retaining spouse’s ownership interest.
Timing: A final, signed marital settlement agreement (MSA) or divorce decree is generally required by lenders before closing.

Divorce Mortgage Refinance ✔ Florida Checklist

Divorce Decree buyout agreement, including the amount owed and payment deadlines.
Most Recent Paystub, W2S, 1099s, or Tax returns, No Doc (if applicable)
Assets – Bank Statements – 2 most recent statements, including all assets.
Retirement OR Disability OR Social Security Awards Letter, most recent
Documentation of any other sources of income
Documentation to support the funds needed for your transaction.
Photo ID – must be government-issued (typically driver’s license or ID card)
Copy of the Tax Bill, Insurance Bill, and HOA, if applicable
Most recent Mortgage Statement
Copy of the Survey

Divorce Florida Mortgage Refinancing Includes:

Divorce Florida Refinance Property:

Refinance Commercial To Buyout Spouse:

Divorce Refinance Florida Condo Buyout:

Florida Divorce Refinance Buyout Checklist

Preliminary planning- Confirm divorce settlement terms re: who keeps the home, buyout amount, and timing. Consult a family-law attorney, a mortgage broker OR lender, and a title agent early.

Determine refinance need & structure- Cash‑out refinance vs rate‑term refinance vs new purchase by spouse. Decide who will hold the new loan and whether seller financing or a promissory note is an interim option.

Financial qualification- Remaining owner: obtain lender prequalification OR preapproval showing solo capacity (income, DTI, credit). Gather 2 years of tax returns, pay stubs, bank statements, asset docs, and P&L if self‑employed.

Valuation & equity calculation-Order professional appraisal or agree on valuation method. Calculate net equity: appraised value − existing mortgage payoffs − closing costs − liens.

Title & lien clearance-Order title search OR commitment to identify mortgages, judgments, tax liens, HOA liens, mechanic’s liens.Clear outstanding liens or arrange escrow OR holdback with the title company as negotiated.

Legal documentation-Draft buyout agreement provisions into Marital Settlement Agreement (MSA) or court order specifying payoff, timing, and deed transfer conditions. If a quitclaim deed is used, note that it does not remove mortgage liability; plan for a refinance or a lender release. If needed, include indemnity language protecting the non‑borrowing spouse until the loan is removed.

Lender & underwriting requirements-Provide lender with condo OR HOA documents if applicable; confirm warrantability. Disclose any litigation, bankruptcy, probation, or judgments. Confirm lender acceptance of POA, remote signing, or a court‑appointed signatory if one spouse cannot attend the closing.

Insurance & HOA OR Condo-Buyer obtains homeowner OR hazard insurance naming the new Florida mortgage lender as mortgagee. Confirm flood insurance requirements and transfer OR update policy. Request HOA estoppel, dues status, pending assessments, and transfer fees.

Closing logistics & timing-Coordinate refinance closing date with deed recording and court deadlines (if decree conditions closing). Title company to prepare escrow instructions, payoff statements, and distribution of buyout funds. Ensure funds routing for equity payment to the selling spouse is documented in the HUD OR ALTA settlement statement.

Post‑closing steps-Record new deed (if applicable) and confirm mortgage removal OR release for departing spouse. Obtain lender confirmation that the departing spouse has been removed from the loan or the payoff. Update insurance, tax-billing, and estate-planning documents as needed.

Contingencies & protections- Use escrow holdback for unresolved repairs or liens with defined release conditions. Consider a temporary indemnity agreement if the departing spouse remains on the mortgage until the refinance is completed. If financing is tight, explore bridge OR portfolio loans, seller carryback, or reduced cash‑out to meet LTV limits.

Why Refinancing Is Necessary To Complete the Divorce?

Provide cash for the buyout. Cash-out refinancing (often called cash‑out) converts home equity into funds to pay the other spouse their share of equity.
Meet lender requirements for title OR mortgage release- Courts and settlement agreements commonly condition deed transfers on removal from the mortgage or a lender’s written release, which usually requires refinance.
Remove an ex from mortgage liability- Florida mortgage enders typically require the departing spouse to be removed from the promissory note or indemnified; cashout refinance replaces the joint loan with one in the remaining owner’s name.
Solve qualification gaps-The spouse keeping the home may need to qualify alone (income, DTI, credit). A cash-out refinance confirms the borrower’s solo-qualifying ability and sets new loan terms.
Address unequal financial obligations-Refinancing can consolidate, restructure, or extend payments to enable the buying spouse to afford mortgage payments post‑divorce.
Cleanly finalize settlement terms-Lenders’ payoffs and escrowed distributions provide documented proof of settlement compliance for court records and decrees.
Protect credit and future liability- Removing an ex from the mortgage prevents future credit damage and liability if payments lapse after the divorce.

Reasons People Need A Divorce Buyout Refinance in Florida

Infidelity OR extramarital affairs
Communication breakdown OR constant arguing
Refinace Divorce buyout to Pay Lawyer Fees
DUI Divorce Cashout Refinance After DUI in Florida
Financial problems OR money conflicts
Incompatibility OR growing apart
Lack of commitment OR unequal effort in the relationship
Emotional or physical abuse OR domestic violence
Substance abuse OR addiction issues
Frequent conflict over parenting OR child-rearing differences
Sexual intimacy problems OR mismatch in needs
Unrealistic expectations OR unmet needs
Work-life imbalance OR job-related stress and absences
Cultural or religious differences that cause conflict
Infertility or disagreements about having children
Legal troubles OR criminal issues – Jail, DUI, arrests, incarceration
Mental health issues include untreated depression, anxiety, and personality disorders.

Divorce Refinancing On A Single Income:

Refinancing a Flroida mortgage during or after a divorce is often called a “divorce buyout,” “divorce refinance,” or “equity buyout” and is one of the most high-stakes financial moves a person can make. The primary goal is usually to remove one spouse from the loan and the title, but the process creates several specific concerns:

1. The “Single Income” Hurdle – This is the most common roadblock for most divorcing couples. When you purchased the Florida home, the mortgage lender likely qualified (2) two incomes. Now, that (1) one spouse keeping the house must qualify for the entire mortgage based on one income.

DTI Ratio: Florida Mortgage lenders typically want your mortgage payment to be around 1 OR 3 of your total monthly income. Taking on a full mortgage on one salary often pushes new singles past this limit.
Child Support Income: You can use alimony or child support as qualifying income, but only after you’ve received it consistently for 6+ months, and that income must continue for at least 3+ years to qualify. If not, check our No Income verification for Florida mortgage lenders. Additionally, a birth certificate to verify that the borrower’s 18th birthday is more than 3 years away. According to Check Alimony, Child Support, Equalization Payments, or Separate Maintenance and Freddie Mac Alimony, Child Support, and Separate Maintenance Payment Requirements.

2. Legal vs. Financial Responsibility – A common and dangerous misconception is that a Divorce Decree removes your name from the mortgage. It does not.

The Florida Mortgage Lender’s View: Your mortgage is a contract with a bank; your divorce is a contract with an ex-spouse. The Florida mortgage lenders do not care what the judge said—if both names are on the loan, both are 100% responsible for the mortgage payments until it’s paid in full or one spouse is refinanced off.
The Credit Risk: If your ex-spouse is awarded the house but fails to refinance your name off, and then misses a mortgage payment, your credit score will drop just as hard as theirs.

3. Cashout Buyout Mortgage Refinance – If there is significant equity in your home, the spouse staying usually has to “buy out” the other’s share. This requires a Florida divorce buyout agreement.

The Cash-Out Refinance: You aren’t just refinancing the remaining balance; you are taking out a larger loan to buy out your ex-spouse in cash. This could significantly increase your monthly mortgage payment if rates rise and you take out a much larger loan amount.
LTV Limits: Assuming your credit and income qualify, most Florida mortgage lenders won’t let you borrow more than 80% of the home’s value. If the buyout amount plus the existing mortgage exceeds that, you might not have enough equity for a buyout, and you may be stuck.
The “Quitclaim Deed” Trap: Many people think signing a Quitclaim Deed solves the problem of transferring responsibility of the house from one person to another. The Reality: A Quitclaim Deed removes your name from the Title (ownership), but it does not remove your name from the Mortgage (debt).
The Danger: You could end up in a situation where you no longer own the house but are still legally obligated to pay for it.

5. Timing and Interest Rates – Rates May Have Gone Up, or Your credit has gotten worse?
Market Conditions: If you bought your Florida home years ago at a 4% interest rate, refinancing your Florida mortgage today might mean your interest rate jumps to 6% or 7%. This “rate shock” can make a previously affordable Florida mortgage suddenly unaffordable.
Deadlines: Florida Divorce decrees often set a strict timeline (e.g., “Refinance within 90 days”). If the market is bad or your credit is bruised, meeting that deadline can be incredibly stressful.

This website OR content provides general information that may not be correct and does not constitute legal advice or create an attorney-client relationship. The content is not guaranteed to be current or accurate. You should not act or refrain from acting based on this information without first seeking professional counsel from a licensed attorney

Possible Issues When Divorce Refinancing:

Qualifying: If you are the spouse keeping the Florida home, you must document sufficient income to cover the mortgage, debts, credit obligations, and potential child support payments.
Court Orders: A Florida court can order a spouse to refinance within a certain timeframe to remove the other party.
Documentation: Lenders will require the final divorce decree and the marital settlement agreement.
Equity Buyout: This allows the spouse remaining in the home to access the home’s equity to pay the departing spouse their share.
Timing: While you can cash out refinance during the divorce, doing so afterward is often more straightforward, as it allows Florida mortgage lenders to use a finalized court order for alimony or child support as income (usually requiring a history of receipt).
Protect Your Credit: If the mortgage is not refinanced, both parties remain liable, and a missed payment by one spouse can ruin the other’s credit.
Verify Equity: Calculate the equity by subtracting the current mortgage balance from the home’s market value.

Top Reasons People Need Divorce Refinancing:

Infidelity OR extramarital affairs
Lack of communication
Constant arguing OR conflict
Financial problems OR money fights
Growing apart OR incompatibility
Unrealistic expectations
Lack of commitment
Emotional neglect OR feeling unappreciated
Physical or emotional abuse
Substance abuse OR addiction
Sexual incompatibility or dissatisfaction
Loss of intimacy
Mental health issues (untreated depression, anxiety)
Chronic anger or temperament problems
Gambling or other destructive behaviors
Spending habits OR debt accumulation
Job loss OR economic stress
Career pressures OR long work hours
Infertility or disagreement about children
Disagreements over parenting or discipline
Jealousy and possessiveness
Controlling behavior OR lack of autonomy
Different life goals or values
Religious differences OR conflicts over faith
Cultural or family background conflict
Sexual orientation issues discovered later
Domestic responsibilities imbalance (housework)
In-law or extended‑family interference
Relocation or unwillingness to move for spouse’s job
Lack of trust (financial secrecy, hidden accounts)
Dishonesty OR repeated lies
Legal troubles or criminal activity
Frequent separations OR long‑distance strain
Loss of shared interests or hobbies
Boredom OR routine fatigue in marriage
Failure to resolve repeated grievances
Poor conflict‑resolution skills
Refusal to seek or accept counseling
Early marriage OR immaturity at the time of marriage
Rapid life changes (retirement, empty nest)
Different approaches to money management
Midlife crisis behavior or infidelity
Pornography addiction or secrecy
Physical health crises are straining the relationship
Chronic illness OR caregiving stress
Affairs via online dating OR social media infidelity
Domestic violence restraining orders or fear
Lack of sexual consent or coercion issues
Different expectations about marriage roles
Major personality clashes (narcissism, volatility)
Alcohol misuse impacting family life
Failure to support spouse’s career OR ambitions
Unmet emotional needs or attachment issues
Betrayal (financial, emotional, or legal)
Parenting stepchildren OR blended‑family stresses
Adoption disagreements or related issues
Substance‑related legal penalties (DUIs, arrests)
Disagreements over education or child schooling
Chronic debt from one spouse’s actions
Secret gambling losses or hidden liabilities
Failure to provide emotional or financial support during crises
Different retirement plans OR expectations
Infidelity involving a close friend or family member
Revenge affairs or retaliation behaviors
Lack of forgiveness for past mistakes
Abandonment or prolonged desertion
Persistent boredom or indifference
Refusal to participate in family life or activities
Physical incompatibility (health OR age related)
Overbearing parenting or helicoptering conflicts
Lack of shared future vision or planning
Repeated broken promises or unmet commitments
Sexual assault within the marriage (criminal OR trauma)
Unresolved trauma impacting the marriage (past abuse)
Secret second family or hidden children
Differences in sexual frequency or libido mismatch
Debt from business failures or risky investments
Failure to pay child support from prior relationships is causing stress
Extreme frugality vs extreme spending conflict
Disrespect or contempt between partners
Frequent moves and instability for kids OR family
Long-term unemployment of one spouse creating burden
Workaholism—neglect of family responsibilities
Physical abandonment due to incarceration or imprisonment
Irreconcilable differences declared as ground for divorce
Chronic lying about substance use or finances
Health‑related sexual dysfunction without support
Personality disorders (borderline, antisocial, narcissistic) causing dysfunction
Inability to co‑parent after separation or disagreement on custody
Extreme secrecy or secretive behavior (hidden accounts, secrets)
Infidelity combined with gaslighting or manipulation
Lack of reciprocity (one gives much more than the other)
Parental alienation or destructive custody battles
Retirement disagreements (timing, lifestyle changes)
Loss of mutual respect or admiration over time
Differences about eldercare for parents OR in‑law care burden
Political or ideological extremism causing conflict
Betrayal through illegal OR immoral financial schemes (fraud)
Persistent health refusal or neglect (refusing treatment impacting the family)
Choosing personal happiness OR self‑fulfillment over staying in a marriage

Divorce Refinance With No Tax Returns

Refinance Florida Mortgage With No Tax Returns – Florida Home Loan With No Tax Returns
Yes, you can obtain a home loan in Florida with No tax returns. We welcome all no-tax-return refinances or purchase situations. Our No Tax return FHA Florida mortgage lenders provide numerous Florida mortgage solutions to accommodate various situations, to help secure a Florida mortgage. Our Rent Own Florida FHA Mortgage Lenders allow you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS or Buyowner.

No Tax Return Divorce Mortgage Refinance

Home Loan No Tax Returns =OK 1099 mortgage Lenders = OK 3 Months Bank Statement = OK
Self-Employed Less than 1 year = OK VOE Only Mortgage = OK Asset Depletion = OK
ITIN No Tax return mortgage = OK Nonresident No Tax Return = OK Pledged Assets = OK
Asset Depletion or Pledged = OK Business Profit Loss = OK DSCR Rental Income = OK
No Doc, No W2, No Tax Return = OK Bank Statement Deposits = OK Jumbo No Tax Returns = OK
NO Tax Return Short Term Rental = OK No Income Investor Refinance = OK Condo Refi No Tax Returns = OK
Estate Refinance NO Tax Return = OK No Income Refinance = OK Condo Cashout No Tax Returns = OK

Divorce Refinance Florida Property Types:

Florida Divorce Mortgage Refinance BuyOut
A “Divorce Refinance Buyout” is a cash-out refinance used to pay out a spouse’s share of the home equity to complete a divorce. It allows one spouse to cash out, refinance the existing mortgage, and take out a new loan large enough to pay off the old loan and the Divorce BuyOut amount to the other spouse. A Divorce mortgage refinance ensures the home is in only one spouse’s name after the divorce, in exchange for cash-out.

Bad Credit Divorce Florida Mortgage Refinance

Here’s a list of bad credit Florida divorce Mortgage refinance Options:

Private Mortgage Lenders: Rarely lend on primary homes, no minimum credit, but require at least 50% equity.
Conventional Mortgage Loans: The minimum credit score required for conventional loans is 620 for Freddie Mac and Fannie. However, a 10-20% down payment is required for lower credit scores.
FHA Mortgage Loans: With FHA loans, you can buy a house with a bad credit score as low as 500 with a 10% down payment. If your score is 580 or higher, you can put down 3.5%. NO more than two 30-day late payments or one 60-day late payment in the last 24 months.
VA Mortgage Loans: For VA loans, you can buy a house with a bad credit score as low as 500 with no money down.Manual Underwrite: 24-month VOR OR VOM with 0x30 last 12 months.
USDA Mortgage Loans: USDA loans encourage homeownership in rural areas. USDA mortgage lenders go down to a 500+ credit score.
No Tax Return Florida Mortgage Lenders – Florida bad credit cashout mortgage refinance with no tax returns using W2 and or 1099 to qualify. Note: these loans are approved based on payment history, not so much credit score. No more than two 30-day late payments or one 60-day late payment in the last 24 months.
Rent To Own Florida FHA Mortgage Lenders– Our Rent To Own Florida FHA Mortgage Lenders allow you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS and rent while you build equity. This unique rent-to-own Florida FHA mortgage program allows bad credit Florida mortgage applicants to first get pre-approved and then pick out the home of their choice. This option allows you time to position your credit and finances to qualify for an FHA mortgage.
Refinance While In Probate Stop Foreclosure – Probate Financing: If estate expenses exceed the funds the administrator can provide upfront or is willing to advance, we offer financing options. Our financing is based solely on the estate, not your financial situation. Inheritance Advance: Should family members need access to their inheritance before probate concludes, we provide advances to heirs, which are later deducted from the heir’s
distribution. Advances do not impact other heirs’ inheritances.

Florida Divorce Buy-Out Agreement Example

Refinance Florida Divorce Buy-Out Steps:

Estimate the market value of the home, for example, = 500k
Add up all the liens and determine the equity. Estimate the home value at 500k, and you own 200k in payoffs OR liens on your home = 500k value – 200k in payoffs = 300k in equity.
Divide the equity if you’re splitting it 50 OR 50: 300k or 150k each.

Key Pieces To A Divorce Buy-Out Agreement:

Parties Involved In Refinance, Divorce BuyOut: Identifies the property owner (landlord) and the individual or entity being asked to vacate (tenant or other party).Property Description: Specifies the address and a description of the property being subject to the Divorce BuyOut.
Divorce BuyOut Consideration Amount: Details about the payment or other consideration offered by the property seller OR owner.
Reason for Refinance Divorce BuyOut: The Divorce BuyOut might state the reason for the Divorce BuyOut, such as the property owner’s plans for the property.
Vacation Date: Sets a specific date by which the party is asked to leave or vacate the property.
Consequences of Non-Compliance: Outlines what happens if the tenant or other party fails to vacate the property by the agreed-upon date.
Other Refinance Divorce BuyOut Conditions: Your Divorce BuyOut might include clauses regarding property condition, utilities, and any other relevant terms.
Where to Find a Florida Divorce Buy-Out Agreement:Online: Several websites offer free or paid templates for real estate Divorce buy-out agreements.
Legal Help: We recommend consulting a Florida divorce real estate attorney or a legal professional specializing in Florida Divorce BuyOut to help you draft or review your Florida agreement. Search the Florida bar for marital and family law certified lawyers.

Refinance Divorce Buy-Out Partner In Florida:

Legal Review: It’s highly recommended to have the agreement reviewed by a legal professional before signing it to ensure it is enforceable and protects the parties’ interests.
Clarity and Specificity: The agreement should be clear, concise, and specifically outline the terms and conditions of the Divorce BuyOut.
Compliance with Florida Law: The agreement must comply with Florida’s landlord-tenant laws and other applicable regulations.
Example: A Florida property owner might offer a tenant a financial Divorce BuyOut to voluntarily leave a property that they intend to renovate or convert to another use. The Divorce BuyOut agreement would outline the amount of the Divorce BuyOut, the date by which the tenant must vacate, and any other relevant conditions if the tenant does not vacate by the specified date.

Florida Divorce Refinance Rates By City

Florida Divorce Buy Out Refinance Locations:

Alachua

Alachua County

Alford

Jackson County

Altamonte Springs

Seminole County

Altha

Calhoun County

Anna Maria

Manatee County

Apalachicola

Frankin County

Apopka

Orange County

Arcadia

DeSoto County

Archer

Alachua County

Astatula

Lake County

Atlantic Beach

Duval County

Atlantis

Palm Beach County

Auburndale

Polk County

Aventura

Miami-Dade County

Avon Park

Highlands County

Bal Harbor

Miami-Dade County

Baldwin

Duval County

Bartow

Polk County

Bascom

Jackson County

Bay Harbor Islands

Miami-Dade County

Bay Lake

Orange County

Bell

Gilchrist County

Belle Glade

Palm Beach County

Belle Isle

Orange County

Belleair

Pinellas County

Belleair Beach

Pinellas County

Belleair Bluffs

Pinellas County

Belleair Shore

Pinellas County

Belleview

Marion County

Beverly Beach

Flagler County

Biscayne Park

Miami-Dade County

Blountstown

Calhoun County

Boca Raton

Palm Beach County

Bonifay

Holmes County

Bonita Springs

Lee County

Bowling Green

Hardee County

Boynton Beach

Palm Beach County

Bradenton Beach

Manatee County

Bradenton

Manatee County

Branford

Suwannee County

Briny Breezes

Palm Beach County

Bristol

Liberty County

Bronson

Levy County

Brooker

Bradford County

Brooksville

Hernando County

Bunnell

Flagler County

Bushnell

Sumter County

Callahan

Nassau County

Callaway

Bay County

Cambelton

Jackson County

Cape Canaveral

Brevard County

Cape Coral

Lee County

Carrabelle

Frankin County

Caryville

Washington County

Casselberry

Seminole County

Cedar Grove

Bay County

Cedar Key

Levy County

Center Hill

Sumter County

Century

Escambia County

Chattahoochee

Gadsden County

Chiefland

Levy County

Chipley

Washington County

Cinco Bayou

Okaloosa County

Clearwater

Pinellas County

Clermont

Lake County

Clewiston

Hendry County

Cloud Lake

Palm Beach County

Cocoa

Brevard County

Cocoa Beach

Brevard County

Coconut Creek

Broward County

Coleman

Sumter County

Cooper City

Broward County

Coral Gables

Miami-Dade County

Coral Springs

Broward County

Cottondale

Jackson County

Crawfordville

Wakulla County

Crescent City

Putnam County

Crestview

Okaloosa County

Cross City

Dixie County

Crystal River

Citrus County

Dade City

Pasco County

Dania Beach

Broward County

Davenport

Polk County

Davie

Broward County

Daytona Beach

Volusia County

Daytona Beach Shores

Volusia County

DeBary

Volusia County

Deerfield Beach

Broward County

DeFuniak Springs

Walton County

DeLand

Volusia County

Delray Beach

Palm Beach County

Deltona

Volusia County

Destin

Okaloosa County

Doral

Miami-Dade County

Dundee

Polk County

Dunedin

Pinellas County

Dunnellon

Marion County

Eagle Lake

Polk County

Eatonville

Orange County

Ebro

Washington County

Edgewater

Volusia County

Edgewood

Orange County

El Portal

Miami-Dade County

Esto

Holmes County

Eustis

Lake County

Everglades City

Collier County

Fanning Springs*

Gilchrist County

Fanning Springs*

Levy County

Fellsmere

Indian River County

Fernandina Beach

Nassau County

Flagler Beach

Flagler County

Florida City

Miami-Dade County

Fort Lauderdale

Broward County

Fort Meade

Polk County

Fort Myers Beach

Lee County

Fort Myers

Lee County

Fort Pierce

St. Lucie County

Fort Walton Beach

Okaloosa County

Fort White

Columbia County

Freeport

Walton County

Frostproof

Polk County

Fruitland Park

Lake County

Gainesville

Alachua County

Glen Ridge

Palm Beach County

Glen Saint Mary

Baker County

Golden Beach

Miami-Dade County

Golf

Palm Beach County

Golfview

Palm Beach County

Graceville

Jackson County

Grand Ridge

Jackson County

Green Cove Springs

Clay County

Greenacres

Palm Beach County

Greensboro

Gadsden County

Greenvilee

Madison County

Greenwood

Jackson County

Gretna

Gadsden County

Groveland

Lake County

Gulf Breeze

Santa Rosa County

Gulf Stream

Palm Beach County

Gulfport

Pinellas County

Haines City

Polk County

Hallandale

Broward County

Hampton Beach

Bradford County

Hastings

St. Johns County

Havana

Gadsden County

Haverhill

Palm Beach County

Hawthorne

Alachua County

Hialeah

Miami-Dade County

Hialeah Gardens

Miami-Dade County

High Springs

Alachua County

Highland Beach

Palm Beach County

Highland Park

Polk County

Hillcrest Heights

Polk County

Hilliard

Nassau County

Hillsboro Beach

Broward County

Holly Hill

Volusia County

Hollywood

Broward County

Holmes Beach

Manatee County

Homestead

Miami-Dade County

Horseshoe Beach

Dixie County

Howey-in-the-Hills

Lake County

Hupoluxo

Palm Beach County

Indialantic

Brevard County

Indian Creek

Miami-Dade County

Indian Harbour Beach

Brevard County

Indian River Shores

Indian River County

Indian Rocks Beach

Pinellas County

Indian Shores

Pinellas County

Inglis

Levy County

Interlachen

Putnam County

Inverness

Citrus County

Islamorada

Monroe County

Islandia

Miami-Dade County

Jacksonville Beach

Duval County

Duval County

Jacob

Jackson County

Jasper

Hamilton County

Jay

Santa Rosa County

Jennings

Hamilton County

Juno Beach

Palm Beach County

Jupiter

Palm Beach County

Jupiter Inlet Colony

Palm Beach County

Jupiter Island

Martin County

Kenneth City

Pinellas County

Key Biscayne

Miami-Dade County

Key Colony Beach

Monroe County

Key West

Monroe County

Keystone Heights

Clay County

Kissimmee

Osceola County

La Crosse

Alachua County

LaBelle

Hendry County

Lady Lake

Lake County

Lake Alfred

Polk County

Lake Buena Vista

Orange County

Lake Butler

Union County

Lake City

Columbia County

Lake Clarke Shores

Palm Beach County

Lake Hamilton

Polk County

Thomas Martin

Sr. Mortgage Loan Advisor

FL, TX, AL – NMLS #156080

Info Request Form

Mortgage Menu

MINIMUM CREDIT SCORE

PORTFOLIO

NO MIN FICO SCORE

NO TAX RETURN

350 MIN FICO

FHA/VA

500 MIN FICO

CONVENTIONAL

620 MIN FICO

CALL NOW!

954-667-9110

All Information Subject To Change