JESSICA MARTINEZ
NMLS#2014666
I am dedicated, inspired and determined to tenaciously serve the Mortgage world with the Heart of a Teacher. Our Mpire Team is here to serve those in need of Mortgage services, to the best of our ability.
The work we are doing at Mpire Financial Group LLC here in Florida & across the nation continues to grow and prosper, as our team continues to grow and prosper. The work we are doing today is far better than the work we were doing 6 months ago, and the work we will be doing 6 months from now is far better than the work we are doing today. You see, we come to work every day with the intention to make every family we serve better for the encounter. We will never stop learning and growing for our clients. We are passionate about the families we serve and helping everyone achieve their financial goals. We believe that every family should have access to a Mortgage professional that can work with them on the plan of Familial Wealth and Debt Free Homeownership!
787.209.7998
My Specialized Loan Products
Residential & Commercial Loans are my Specialty!
Conventional Loans
Conventional mortgages are among the most popular types of loans: They don’t have specialized eligibility requirements, come with low minimum down payments and are available right here @ Mpire Financial .
FHA LOAN
Insured by the Federal Housing Administration, FHA loans allow borrowers to buy a home with a minimum credit score of 580 and as little as 3.5 percent down, or a credit score as low as 500 with at least 10 percent down. FHA also insures FHA 203(k) loans, which allow borrowers to buy and fix up a home with the same low credit and down payment flexibility.
VA LOAN
Qualified U.S. military members (active duty, veterans and eligible family members) can apply for loans backed by the U.S. Department of Veterans Affairs (VA). VA loans come with lower interest rates compared to other loan types, and don’t require a down payment.
USDA Loan
The U.S. Department of Agriculture (USDA) guarantees loans for some rural homes for up to 100-percent financing (in other words, there’s no down-payment requirement). This doesn’t mean you have to buy a farm or shack up with livestock, but you do have to buy a home in a USDA-eligible area.
Non - QM
Non-QM loans are aimed at borrowers with financial profiles that don’t meet the requirements of a typical qualified mortgage. This often involves an inconsistent or nontraditional income structure, a major credit event or high debt. Features associated with non-QM loans include: Alternative income documentation.
Down Payment Assistance
Down payment assistance programs remove obstacles for first-time home buyers, and keeps them from using 10 years of their life saving for a downpayment.
The programs also help U.S. neighborhoods to prosper.
When renters become homeowners, communities benefit. New homeowners make home improvements, increase curb appeal, and raise property values. Plus, they spend money in local stores and businesses, which generates taxes for the municipality.
Homeownership is the centerpiece in the U.S. economy – both nationally and locally – so the government has incentives to promote it.
This is where down payment assistance comes in.
This article covers everything you need to know about down payment assistance programs and how to find one to buy your first home.
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