Philippa Main
NMLS #2422175
Call/Text: 813.317-5556
pmain@nexamortgage.com
Conventional
Conforming fixed loans with options that allow for up to 3% down.
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FHA, VA & USDA
Smaller down payments and expanded qualifying ratios. We can lend down to a 500 FICO score on FHA.
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Vacant Land
Options that allow for as little as 10% down.
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Jumbo Loans
Low rate options for loan amounts up to $3 million.
Home Ready & Home Possible
97% financing with reduced mortgage insurance for qualified borrowers.
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Construction
Financing for the construction of a new home with as little as
5%* down.
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0% Down Options
0% down payment option for the first-time and repeat home buyers.
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Portfolio Programs
Flexible programs and options for loans that don’t fit “in the box”.
Non Warrantable Condominium
Financing for newer condo projects that do not meet conventional guidelines.
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Non QM Loans
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
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Renovation Programs
Streamline renovation loans that allow for the purchase and rehab for a home.
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Doctor Loans
Practicing Physicians may qualify for $0 down and no mortgage insurance.
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Home Equity Loans
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
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Professional
Home financing for established professionals for as little as 3% down without monthly mortgage insurance.
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Downpayment Assistant Programs
Options available to assist with down payment and closing costs for qualified borrowers.