Mary Kamelle

This policy change means purchasing multi-family homes became much more affordable and accessible. Thanks to Fannie Mae's forward-thinking move, more individuals can now seize the opportunity to invest in income-generating properties. This policy shift applies to standard purchases, no cash-out refinances, HomeReady …

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What is a Bank Statement Loan? For non-traditional wage earners in Florida who do not receive W2 forms, getting a mortgage to buy a home can be tricky. Traditional lenders often require W2 forms and tax returns as proof of income, which makes it difficult for self-employed individuals, freelancers, contractors, and …

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A pre-approval is the first step in the homebuying journey in Orlando for most people who need financing to purchase a new home. A pre-approval involves a mortgage lender reviewing your income, assets, credit, and debt to determine whether you qualify for a mortgage and how much you can receive. Getting a pre-approval …

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Finding the perfect home in today's real estate market can be challenging. Housing inventory is low, and when a desirable property hits the market, it is often sold almost immediately and over the asking price. A renovation loan could be the solution you are looking for to create the home of your dreams in the Orlando …

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What are Non-QM loans? Non-QM loans are for borrowers ready to buy a home but may not qualify by traditional standards. When applying for a mortgage, you will either apply for a “QM” or a “Non-QM” loan. A qualified mortgage (QM) is a mortgage that meets specific requirements for lender protection and secondary market …

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Vacant Land Lending or Land Loans in Florida share many similarities with mortgages. Both are forms of financing used to obtain property; however, unlike a traditional mortgage, there is no home to use as collateral. Many homebuyers and investors consider this option if they have the expertise in building homes from …

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