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I strive to offer my customers reasonable loan cost, the best terms, and the lowest interest rates available in the entire market.
Lazaro Sosa
President | MLO
NMLS 1177535
Direct: 305.281.2245
E-Mail: lazaro@southeastfg.com
To be the Florida most customer-centric mortgage company, where customers can find a loan that fits their needs with the best terms and rates.
Lazaro Sosa
President | MLO
NMLS 1177535
Direct: 305.281.2245
E-Mail: lazaro@southeastfg.com
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Commercial Real Estate Loans
We offer a wide variety of commercial loan programs from Agency, portfolio, and hard money loans.
Contact UsLot | Land Loan Programs
Land loans allow for land or lot purchase to build a home or for other reasons. We offer lot/land loans for commercial, residential, and agricultural use.
Contact UsNon-QM Loan Programs
A Non-Qualified Mortgage (Non-QM) is a loan that doesn’t meet the standards of a qualified mortgage and uses non-traditional methods of income verification
Contact UsHome Equity Lines
Revolving line of credit with a 10-year draw period followed by a 20-year repayment period; full term is 30 years.
Contact UsJumbo Loan Programs
Jumbo mortgages are large loans that fall above the federal loan limit or conventional loan limit.
Contact UsForeign National
A Foreign National Loan Program is a special type of loan that helps citizens of another country buy a second home or an investment property in the United States.
Contact UsUSDA Streamlined
Streamlined Assist Refinance Loan provides current USDA loan borrowers an opportunity to lower their monthly mortgage payments. Finance up to 100%.
Contact UsUSDA OTC
Construction-to-Permanent (OTC) loan is a product that allows borrowers to combine financing for home construction, lot purchase/land payoff, and the permanent mortgage into a single closing.
Contact UsUSDA Renovation
Renovation allows eligible borrowers to purchase a home they love, even if it needs some love!
Contact UsUSDA Standard
Standard Mortgage (also referred to as the USDA Single Family Guaranteed Loan Program) provides eligible low- and moderate-income borrowers with the opportunity for affordable homeownership, or home refinance up to 100% financing.
Contact UsVA IRRRL
Interest Rate Reduction Refinance Loan (IRRRL) provides the qualified borrowers the opportunity to refinance an existing VA loan into a new VA loan.
Contact UsVA OTC
Construction-to-Permanent Loan provides all-in-one financing combined with the benefits of VA loans, including up to 100% financing.
Contact UsVA Renovation
Renovation loan program is a government-backed initiative designed to help active-duty military personnel, reservists and Veterans take advantage of up to 100% financing
Contact UsVA Standard
Fully Amortizing Fixed Loan program can help the nation’s men and women in uniform, as well as qualifying Veterans. Up to 100% financing.
Contact UsFHA – DPA Advantage
DPA Advantage is designed to provide down payment assistance in the form of a grant equal to 2% or 3.5% of the home price on an eligible FHA purchase.
Contact UsFHA OTC
FHA One-Time Close construction loan that converts to a permanent mortgage in a single closing. 3.5% minimum down payment.
Contact UsFHA 203(k) Limited
Loan is a renovation mortgage that allows eligible borrowers to finance both the purchase or refinance of a home, rehabilitation cost must not exceed $35,000.
Contact UsFHA 203(k) Standard
Program allows eligible borrowers to combine the purchase or refinance of a home with the cost of repairs to that home.
Contact UsFHA 203(b) Streamline
Specialty loan program that provides homeowners with a simplified, low-cost refinancing option when moving from one FHA loan into a new one. No appraisal required.
Contact UsFHA 203(b) Standard
Sometimes referred to as the “standard” FHA loan, is a mortgage loan that is insured by the Federal Housing Administration (FHA). Low-down payment of 3.5%.
Contact UsFreddie Mac OTC
Conventional One-Time Close converts to a permanent mortgage in a single closing.
Contact UsFreddie Mac CHOICE Reno eXPress
Renovation loan allows borrowers to purchase or refinance a home that needs repairs. Repairs up to $35,000.
Contact UsFreddie Mac CHOICE
This loan allows borrowers to purchase a home that needs repairs.
Contact UsFreddie Mac HomeOne
low-down payment financing for eligible borrowers without specific income or geographic restrictions
Contact UsFreddie Mac Home Possible
Mortgage is designed to help low- and moderate-income borrowers. Minimum down payment 3%.
Contact UsFreddie Mac Standard
Fully Amortizing Fixed Rate and Super Conforming loan program.
Contact UsFannie Mae OTC
Conventional One-Time Close construction loan that converts to a permanent mortgage in a single closing.
Contact UsFannie Mae HomeStyle
Renovation loan allows borrowers to purchase or refinance a home that needs repairs. Renovation costs up to $200,000.
Contact UsFannie Mae RefiNow
Affordable refinancing option aimed at making it easier and less expensive for qualifying homeowners to reduce their monthly housing costs
Contact UsFannie Mae HomeReady
The program provides the opportunity for homeownership, or refinance, to low- and moderate-income borrowers. Minimum down payment 3%.
Contact UsFannie Mae
Fully Amortizing Fixed Rate and High Balance loan program, also referred to as a Fannie Mae “standard” loan. Minimum down payment 3%.
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