Martin, Thomas Broker - 1st Continental Mortgage

We are full-time mortgage lending professionals who know Florida real estate and serve buyers across Florida, Georgia, Alabama, and Texas. Our team specializes in government home loans, including FHA and VA mortgage programs, for first-time buyers and existing homeowners. We provide same day pre approvals and welcome all situations, including self-employed borrowers seeking FHA financing. Our expertise covers complex credit histories, including charge offs, collections, bankruptcy, foreclosure, and medical collections with extenuating circumstances. We offer FHA and VA manual approvals when other lenders say no, with purchase allowed three years after foreclosure, two years after Chapter 7 bankruptcy, and twelve months after Chapter 13 bankruptcy. Our bank statement only programs use 12 or 24 months of business or personal bank statements with no tax returns needed, up to 90% max LTV with no MI and FICO scores as low as 580. We also provide one-year income verification options, qualifying with one year of recent W2 plus YTD paystub or self-employed one-year tax return with max LTV 80%.

Our recent credit event program allows recent foreclosure, bankruptcy, and short sale with mortgage rates available and minimum FICO 500 with compensating factors and good payment history. We support investor clients with no ratio and debt service coverage options, including 75% max LTV for purchase and rate and term refinance, and asset depletion qualification using retirement accounts and real estate equity. Our FHA minimal down payment program requires only 3.5% down with down payment assistance and closing costs allowed, and sellers can credit buyers up to 6% toward costs and prepaids. We maintain professional standards with FHA regulated closing costs and no reserves or future payments required in account. Our commitment is to work with good credit, bad credit, no credit borrowers toward homeownership with transparency and solutions tailored to each client.