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brickell key mortgage broker
Brickell Key Mortgage Solutions
Brickell Key, a prestigious enclave in Miami known for its luxury living and thriving business district, offers tailored mortgage solutions designed to meet the needs of diverse borrowers, including the self-employed. Whether you’re purchasing a new home or refinancing, our competitive rates and personalized service streamline the home buying process.
Why Choose Us?
- Local Expertise: Our in-depth knowledge of Brickell Key’s real estate market ensures you receive expert guidance and optimal financing options.
- Customized Solutions: From conventional loans to specialized products like bank statement loans for self-employed individuals, we offer a wide range of mortgage solutions to suit your unique situation.
- Competitive Rates: We partner with multiple lenders to provide you with the most competitive interest rates available in Brickell Key.
- Personalized Service: Our dedicated team guides you through every step of the mortgage process, offering personalized support from application to closing.
Brickell Key Home Loan Options
- Conventional Loans: Suitable for buyers with strong credit histories and stable income.
- FHA Loans: Ideal for first-time homebuyers or those with lower credit scores.
- VA Loans: Designed for veterans and active-duty military personnel.
- Bank Statement Loans: Tailored for self-employed borrowers who can verify income using bank statements rather than tax returns.
- Jumbo Loans: Designed for high-value property purchases that exceed conventional loan limits.
Brickell Key Lifestyle
Brickell Key is an exclusive island community adjacent to Miami’s bustling financial district, offering luxurious waterfront living with stunning views of Biscayne Bay. Renowned for its upscale dining, vibrant nightlife, and proximity to cultural landmarks, Brickell Key provides a unique blend of urban sophistication and tranquil coastal charm.
Brickell Key Mortgage Solutions Pros and Cons
Pros:
- No Tax Returns Required: Self-employed borrowers can qualify based on bank statements instead of traditional tax returns.
- Lower Down Payments: Options available with down payments as low as 10%.
- Flexible Income Calculation: Bank statements offer a more accurate depiction of income, enhancing qualification opportunities.
- Competitive Rates: Access to favorable interest rates through specialized mortgage programs.
Cons:
- Higher Interest Rates: Rates may be slightly higher compared to conventional loans.
- Stringent Documentation: Requires comprehensive bank statements covering 12-24 months.
- Higher Qualification Standards: Some loans may require higher credit scores and larger down payments.
- Limited Availability: Not all lenders offer bank statement loans.
Brickell Key Lifestyle
Did you know that Brickell Key is home to iconic landmarks such as the Mandarin Oriental hotel and the renowned Brickell City Centre? Experience the pinnacle of Miami luxury living in Brickell Key, where every corner offers stunning waterfront views and access to world-class amenities.
For more information about living and financing in Brickell Key, explore these resources:
Up To 90% LTV | Loan To Value | No Mortgage Insurance | Credit Scores Starting At 600
- Loans up to 10 million with 200k minimum loan amount
- 10% down on primary home purchase up to 3 million, NO mortgage insurance
- Two year self-employed required
- 12 to 24 month business or personal bank statements
- 30, 20, 15 year fixed or ARM available
- Interest only products available
- Purchase, cash out or rate and term refinancing
- Owner occupied, second homes and investment available
- Non-Warrantable condos allowed
- Two years seasoning for foreclosure, short sale, bankruptcy or deed in lieu
- Borrower can own as little as 50% of the business for the business bank statement mortgage and 25% for personal bank statements
