OUR LOAN PORTFOLIO:
Conventional Loans have down payment as low as 3% and can be used for primary, second homes, vacation, and investment loans up to $822,375 in high cost areas ($548,250 in most other areas). 100% gifts allowed. Recasting available. Good credit and more down payment for conventional loans provides ample flexibility and savings opportunity over the life of the loan. Lower costs by eliminating upfront as well as monthly mortgage insurance requirements.
VA Loans offer 100% financing - down payment as low as 0%. Waive all escrows - monthly payments without property taxes and homeowners insurance. Low interest rates. No monthly mortgage insurance required. Gift funds allowed. VA funding fee can be financed. Zero funding fee if exempt. Qualified veterans with the required supporting income can borrow up to $2M with 0% down. VA loans provide exceptional benefits for those who have served our county - veterans, reservists, and active duty personnel.
We have bank statement loan options for self-employed borrowers. Two years self-employment required for most loans. Can be partial company owners. Loans up to $3 million. Up to 90% loan to value on personal and business with no mortgage insurance. 100% deposits for personal statements. 50% deposits for business statements.
The time to refinance is now! A rate and term refinance allows you to lock in a low rate and save big on your monthly payment. Plus, you pay more principal with each payment, helping to accelerate your equity. Utilize a cash-out refinance to renovate your home, purchase a second home, take a dream vacation, consolidate debt, create a college fund, and much more. When eligible, refinance to eliminate monthly PMI. Cash out refinances up to 95% LTV.
FHA loans generally requires as little as 3.5% down on the purchase of a home. Government requirements feature some of the highest allowable debt to income ratios, lower FICO scores, and low interest rates. Credit qualifying criteria not as strict. Gift funds allowed from qualified donors. Seller concessions up to 6%.
Construction loans are back and available to finance construction with ease. Our fast and simple loan process offers you a wholesale rate and a single closing. One close means fewer closing costs paid out of pocket. Interest only during construction with interest rate float down option available upon completion. CD prior to final loan approval. Certificate of occupancy not needed on conventional loans.
Condo loans feature down payments as low as 3%. Low interest rates. Fast closings. Buying a condo has never been easier. Putting 10% down on primary or 25% down on second homes may create eligibility for streamlined approval, eliminating the need for full condo review or condo questionnaire. 60 day lock and shop option. Options for condos in litigation.
USDA loans allow 100% financing. No down payment required. No cash reserves needed. Seller concessions up to 3%. Potentially roll closing fees into your monthly payment. USDA loans help put the American dream within reach. Must be USDA eligible property.
Our jumbo loans feature highly competitive pricing and rates for loans up to $2 million. Loans over $548,250 are available with as little as 10% down. Fixed rate and ARM loan options for primary, second, and investment homes.
"I am a realtor in three States including FL and have worked with many lenders but I have to say that Freddy Kling is one if not the best mortgage brokers I have had the pleasure to work with. He is very compassionate about what he does and will go the extra mile to help his clients attain financing."
"As a 1st time homebuyer, Tara went above & beyond to help me understand the whole process. I know I made her go through a lot & she handled it well. She looked out for my best interest, was very patient, and I trusted her a lot. If it weren't for Tara helping me as much as she did, I don't think I would have bought a house."
"Freddy Kling's level of service is outstanding. He went out of his way to help me out. No one else would have gone this far to get us a house. He was always professional, nice, and respectful throughout the whole process. I would recommend Freddy to anyone. He's the best man for the job."
"Freddy was very professional. He was easy to contact and very efficient. He was always there when I had questions and showed genuine compassion throughout the entire process. My sale went smooth and the process was quick. I wouldn't hesitate to go through the process again. I am very pleased with my financing experience."
"I could not get over how seamless my closings were! Same day, two closings, both done by 2pm. Still had enough time to go out and celebrate over a wonderful dinner! And yes, Tara, I'm loving the new house! Thank you for everything."
"Mrs. Kling couldn't have been more forthright and honest. She made sure everything was presented to me in a professional manner and was awesome to work with. I would absolutely do business with Mrs. Kling again in the future."
"Tara Kling is personable and she takes care of business. Tara was a part of the whole experience. She did an excellent job and gets a perfect 10."
"My condo buying experience with Tara was phenomenal! She is extremely knowledgeable on financing. Without her, our deal would not have gone through. Tara is GREAT."
"Tara, what can I say as the words 'thank you' just aren't enough. I appreciate all you do for our clients. You're amazing - a true professional and I couldn't do it without you. My 'above and beyond' lender of choice."
"I had a most excellent home buying experience with Tara. She has strong follow-up on all details from sale to closing. I enthusiastically recommend her."
"I am closing today. Thank you for all your help in the home buying process. I appreciate everything."
"Freddy is such an amazing help. His knowledge and expertise is unparalleled. Always ready and available to answer any and all questions. Certain deals could not have been possible without the help of the best lender in the world. You are truly a man of your craft. I really appreciate your constant effort on all the projects we work on. I wouldn’t choose anyone else when looking for a mortgage."
"Freddy was very easy to talk with. He was always prompt to get back to us. He worked late at night many times. My experience with Freddy was excellent all the way around."
"The best of the best in the business. Kind, professional, knowledgeable with the goal to service their clients. Thanks for all you do."
"Freddy Kling is the person to see if you are buying a home. He was extremely responsive and I'm very satisfied. Absolute best mortgage company you can go to. Their professionalism is unmatched."
"Tara Kling is awesome. Really passionate about helping people obtain mortgages for homes. They are able to offer so much more than the banks. Realtors, save her info for your clients."
"These guys will be there for you from start to finish. Great company."
"I would describe my experience with Tara Kling as absolutely wonderful. Tara made sure every step was smooth. She always answered our questions, concerns, and provided efficient information on everything. I would recommend her to others and work with her again in the future."
"Thank you Freddy Kling. Great job getting that loan done swiftly and smoothly."
"Just wanted to reach out to thank you for all you did to help us get in our new home. You were so very generous with your time, professional, and fun. We are so very blessed to have been able to work with you. Thank you for everything."
MARK & SUE K.