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Company name and description: Chris Luis, Mortgage Broker Serving all of Florida, all types of mortgages.

Most lenders have a couple of programs & try to fit you into what they offer.

I work with dozens of lenders and find a program that matches you.

Example: your realtor's in house lender may require a 620 on an FHA or VA Loan. My lenders can go down to a 500 on an FHA loan and 550 on a VA loan.

Or, you may not have enough of a down payment, my lenders offer FHA $0 Down Loans or 1% Down Conventional Loan.

Here is a list of the loan programs I can offer you:

FHA - 640 Credit Score - $0 down for qualified buyers
FHA - 580 Credit Score - 3.5% down
FHA - 500 Credit Score - 10% down
Conventional 1% down - 700 Credit Score
Conventional - 620 Credit Score - 5% Down
Conventional - First Time Home buyers - 620 Credit - 3% Down
VA - 550 Credit Score - $0 Down
USDA - 580 Credit Score - $0 Down
Jumbos - down to 600 Credit Score - 20% - 30% down
Yes to
203 K Rehabs
HUD $100 Down Payment
Self-Employed, 1 year tax returns
Foreign nationals, 25% to 35% down
Alternative - Non Prime:
1. Foreclosure 1 day out @30% down
2. Bankruptcy 1 day out @30% down
3. Bank Statement only Programs

http://www.chrisluis.com/