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New Loan Size Limits 2023

Derek Bissen, November 30 2022

Each year, The Federal Housing Finance Administration (FHFA) convenes to discuss the status of growth of the Real estate market over the most recent year. And if sales prices have increased, then they make adjustments to the maximum loan amounts for Conventional mortgages. This is done to ensure that Conventional mortgage loan programs are...

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​Part Time Second Home - A Great Way To Buy A Vacation Home While Earning Income

Derek Bissen, July 7 2022

​Have you considered buying a second house in Florida, but aren't quite ready to take that financial leap? Here is an idea that's perfect for first-time real estate investors:   A PART TIME SECOND HOME. Using our PRIVATE CLIENT PORTFOLIO PROGRAM, you can finance the home as a PART-TIME SECOND HOME. Doing it this way, you get to use the property as...

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​​Cannabis Loans--Home Loans For Self-Employed Business Owners In The Cannabis Industry

Derek Bissen, July 3 2022

​If you are a business owner in the Cannabis industry and have tried applying for a home loan, then you've probably already realize how frustrating it can be to get a mortgage. It seems nearly impossible. Despite the fact that you are operating a perfectly legal enterprise, traditional banks and lenders will not lend to anyone whose business inters...

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When Can I Get a VA Loan After a Recent Bankruptcy, Foreclosure, or Short Sale?

Derek Bissen, July 3 2022

​​If you are an eligible Veteran, and have experienced a recent bankruptcy, foreclosure, short sale or deed-in-lieu of foreclosure, you can obtain a new VA home loan after a period of time has elapsed. Waiting periods are based on TWO factors: 1) the type of prior housing event you experienced, and2) the type of loan program for the new home loan (...

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​Bank Statement Home Loans - The Business Owner's Secret Weapon

Derek Bissen, June 27 2022

​Have you been working as an independent business owner for at least 2 years? Have you been denied for a conventional home loan by a bank or credit union because you are not "showing enough income on your tax returns"? This happens to entrepreneurs across the country. The reason has to do with how banks are forced to calculate your revenue using ta...

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​Asset Based Mortgage – Qualify for a Home Loan Using the Cash Flow from your Liquid Investment Portfolio

Derek Bissen, June 27 2022

Do you live on investments, or do you claim so little taxable income on your tax returns that most lenders will reject your application for a mortgage? It is frustrating, we know. You know that you have more than enough cash on hand to qualify and afford your mortgage, but the bank doesn't seem to get it. Sound familiar?

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CONDOMINIUMS – Everything You Need to Know About Mortgage Financing for Condos

Derek Bissen, May 25 2022

Condos are hot here in Florida. But did you know, they can have special financing requirements?  We’re about to cover everything you need to know about Condominium financing and what you need to know about qualifying for a mortgage for this type of home. Unlike a single-family home or multi-family home, a Condominium is a unique form of homeownersh...

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​ARM Loan Financing – Everything You Must Know

Derek Bissen, May 12 2022

Have you ever heard of a ARM loan and thought, “what is that?”  Keeping it simple, AN ARM LOAN IS SHORT FOR ‘ADJUSTABLE RATE MORTGAGE”.  ARM loans can be an extremely useful financial tool in certain circumstances. In this article we’ll cover the fundamentals so you will have a full understanding of how this type of home loan works, so you can deci...

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2022 Changes in Condominium Financing for Conventional Loans, and Some Great Alternatives!

Derek Bissen, November 19 2021

​On January 1, 2022, Conventional Financing will be changing with respect to financing of Condominiums. The change applies to all Conventional loans across the board, regardless of the lender, bank or credit union offering this type of financing. You see, Condominiums are a unique property type when it comes to mortgage financing.  Unlike other pro...

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​​Cannabis Home Loans for Self-Employed Business Owners in the Cannabis Industry

Derek Bissen, September 12 2021

​If you’re in the cannabis industry, you’ve likely faced adversity when looking for financing. Traditional lenders don’t lend to anyone in the Schedule 1 category, including cannabis sellers, growers and other businesses in the supply chain. This often leaves cannabis self-employed business owners without the financing they need including a mortgag...

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