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State Florida
Legal status âś…
Allowed (Our partner lenders provide payments in Florida)
Loan amount limit $500
Loan terms 7-31 days
Finance rates 10% of check + verification fee not to exceed $5
Finance charges $16.11
Maximum APR (Annual percentage rate) 419%

50 Towne Center Circle, Sanford, FL 32771

Florida

Sanford

9251 S Orange Blossom Trail No. 12, Orlando, FL 32837

Florida

Orlando

2669 Davis Boulevard, Naples, FL 34104

Florida

Naples

3559 Us Highway 441 South, Okeechobee, FL 34974

Florida

Okeechobee

6239 N Us Highway 1, Cocoa, FL 32927

Florida

Cocoa

2750 W 68th Street No. 113, Hialeah, FL 33016

Florida

Hialeah

1200 W 68th Street, Hialeah, FL 33014

Florida

Hialeah

19750 S Dixie Highway, Miami, FL 33157

Florida

Miami

2320 Clark Street, Apopka, FL 32703

Florida

Apopka

3401 S Congress Avenue No. 110, Lake Worth, FL 33461

Florida

Lake Worth


Frequently asked questions about florida lender

  • i was buying real estate in florida i got a commitment but one day after the commitment the lender withdrew the loan and commitment and gave a denial letter. the real estate agent is telling me im going to lose my deposit which was 4000$. what is the law on my deposit if the loan was denied after a commitment was produced , the lender said my deth to income ratio was to high.. am i entitled to my deposit back..
  • I don't know anything about Florida law. In Ohio, "earnest money" is returned if the sale does not go through because of financing (I had two buyers who were unable to get financed) You need to look at your sale contract. Most real estate contracts are conditional upon approval for financing, or that you can show that you made reasonable efforts to try to obtain financing. Generally, the seller never sees the "earnest money"....the broker hold on to it until the deal is approved. Take your contract to a qualified real estate attorney. It's worth a couple of hundred to get $4K back. Good luck! Namaste, BeBe
  • It depends on who the lender is. It is not uncommon that a lender would withdraw their commitment of financing to an individual(s). It is also a common practice in florida that lenders have a non-refundable deposit and it also depends on the circumstance(s) and or reasoning as to why. Most often is because of an ongoing discovery process about your financial history. Read the fine lines in your intial paperwork and the denial then get an online credit bureau of yourself and see if what they are saying matches up to what is being presented. If in fact your debt to income ratio was too high they would have never offered to lend you the financial resource to begin with. You may also want to consult with an attorney who is familiar with these kinds of practices and also it depends on what county you are in Florida.
  • I am in forclosure in Florida. My Lender has agreed to not seek a deficientct judgement in return for me not contesting the foreclosure. I may end up with a 1099. The house was purchased at 200k with 40k down. I think it will sell for around 70-95k. What would a ball park figure be for the taxes I may have to pay? Thanks!
  • How to report the qualified principal residence indebtedness exclusion. To show that all or part of your canceled debt is excluded from income because it is qualified principal residence indebtedness, attach Form 982 to your federal income tax return and check the box on line 1e. On line 2 of Form 982, include the amount of canceled qualified principal residence indebtedness, but not more than the amount of the exclusion limit (explained earlier). If you continue to own your home after a cancellation of qualified principal residence indebtedness, you must reduce your basis in the home as explained under Reduction of Tax Attributes, later.
  • None unless you are both liable and refinanced to spend money on a car or credit cards.. If the 1099-A says you are not liable, you won't even get a 1099-C. If the 1099-A says you are NOT liable, you show the sale of the property at the amount owed ($160K) and $0 allowable loss. No 982 since no cancelled debt. If the 1099-A says you ARE liable, get the 1099-C and use form 982, line 1e and 2.
  • Neither is an attractive scenario for you, given that this is an investment property. Investment properties do NOT fall under any exclusion of 'taxable gains via write off'. With an investment situation, you will get a 1099C from the lender, and you will be required to add such to your taxable income for the given year.
  • The answer is NO. A mortgage is a "contract" stating that in the event you do not pay the debt, the collateral (the real estate) will be seized by the lender. You were not a party to this contract. A Deed (normally a Warranty Deed) is a legal document showing ownership. It does not obligate you to any debt. You were most likely put on Title after the mortgage was already placed on the property. By not signing the mortgage "contract" you did not obligate yourself financially for the debt. Therefore you will not receive a foreclosure on your credit report, nor will you be liable for a deficiency judgment or 1099-C Cancellation of Debt Income. Mr. Financial Freedom http://www.5StepsToFinancialFreedom.com
  • No. You lose any equity that there may have been on the property. If you want to keep the property, they would require you to pay them off (either in cash, or refi it into your name)...and fast. Ultimately, if it is just your boss on the loan, he is the only one the lender can go after. They don't have your SSN, and can't hit your credit without it. They have you sign the Deed so they have proof that you, as partial owner, are aware that a lien is being put on property you own. They may send you notices (since legally, you are part owner) and may try to get you to foot the bill in a desperate attempt to avoid having another house on their books, but don't fall for it. They don't have any recourse against you. You will basically just walk away from the property with no benefit or consequence.
  • I would think that since you are not on the loan paperwork, the foreclosure would not show on your credit. I don't know if the lender can legally pursue action against you, though. You might be better off asking a real estate attorney or other financial expert.
  • in only VERY uncommon circumstances will a lender in California do a judicial foreclosure which will enable them to get a deficiency judgment. no longer in basic terms will it take a lengthy time period to get to courtroom in spite of the indisputable fact that the former proprietor of a house has a million year to redeem the sources meaning a purchaser can no longer get identify coverage. I actually were a California genuine sources investor considering the fact that 1964 and that i have never considered or heard of a judicial foreclosure.
  • The house is collateral so they can foreclose on the house. If your name is not on the loan then I do not see a possible way they can put it on your credit or come after the balance. Your boss is the one they had the deal with, not you.
  • I hope someone better qualified answer this, but it doesn't sound like they can get you, you didn't sign for the loan.
  • Yes to both.
  • Talk with a lawyer. Usually No. However, . . . talk with a lawyer.
  • Florida foreclosure begins when the lender files a lawsuit (Lis Pendens) against the homeowner. The homeowners must be notified of the legal action pending and must file an answer within a specified period of time. If the homeowner does not respond, the court will make a judgment against the homeowner and set an auction date. Notice of Florida Foreclosure Sale The notice of sale shall include at least the following information,: The name, address and telephone number of the person to contact for information regarding the real estate, the address of the property, a legal description of the property, a description of the improvements, the time and place of sale, the times specified in the judgment, the case title, number, and court which the foreclosure was filed, and terms of the sale Florida foreclosure law states that the notice of sale shall be published at least 3 consecutive weeks, the last such notice not less than 5 days prior to the sale. Florida Foreclosure Auction Foreclosure auctions in Florida typically take place 30 days after judgment is filed, at 11:00 am on the county courthouse steps. Winning bidder is required to have 5% down and the balance is due by the end of the day. Upon payment in full of the amount bid, the person conducting the sale shall issue a Certificate of Sale and give to the purchaser. Redemption Period Florida foreclosure law states that the homeowner has the right to redeem the property anytime before the day of the sale.
  • You will need a Specific/Limited Power of attorney for use in Florida. It must be specific to the property and it must show the legal description. Title companies and lenders are extremely picky about which from will be accepted. A General POA is typically not accepted nor are the forms the Military supplies (these are too broad and all do not contain the correct verbage) If you are already in the process of the refinance contact the title company you are using and ask them to supply you with a POA specific to your property. If you have not started yet, call a local title company, with a promise of business, one may even supply you with the correct form at no charge. FYI - POA in Florida must contain the following: 1. 2- Witnesses 2. Notary 3. Correct spacing on page for the county to record. If all else fails...go to http://www.duvalclerk.com/oncoreweb/Sear... and search Book 13920 page 414. I looked this one over, it has all of the correct verbage needed. Copy this one EXACTLY including the format. Change your names and add your address and legal description. I looked it over, its drawn on a popular program used by title companies and is accepted by most lenders and title companies Also, Let the lender know immediatly that you will be using a POA, provide a copy to the title and the lender for them to approve. Do this upfront so if issues arise you will have time to correct.
  • Rarely is a lawyer truly required. However, they do sometimes have expertise that is needed. A PofA is not one of them, but an attorney involved does show that both parties are on the up and up if a disagreement should arise which could be important in court, especially if fraud is suggested. In some cases, depending on what you are doing with regard to real estate, the lender may refuse to recognize the PofA. Just because you have PofA doesn't mean that someone is obligated to recognize it, they can still require your spouse's signature on documents. FL has real estate laws that show that spouses MUST sign certain documents, in the presence of a notary, to prove that they are aware that the mortgage change ... or other things ... are taking place, even if the mortgage is not in their name at all. Check the requirements of the individual lending institution. If they don't get it right, it could cloud the title or the institution could be breaking Florida law and be held accountable during litigation.
  • Yes, you will need a PofA. However, he will have to be the one to get it done because he will have to sign it in front of a notary. You do not have to be present for that. He can just send it to you if he is already out of state. And, yes, he can use a generic form. I did this on a closing with me ex-husband. I handwrote it, he signed it in front of a neighbor who was a notary, and two more neighbors witnessed it. There was no problem with it and it was all done while standing around in the back yard.
  • I have tried the corms from the legal book and my experience was that most institutions would require more than that. If I were to do it again, I would go for something universally excepted and use a properly prepared legal document.
  • I had a similar subject with a house I owned i did no longer ought to sign any records till the sale went by. you could ask realtors to sell it for you without postpone or some agencies purchase it now yet for much less money.
  • After we were married, my wife and I bought a house in MI with only her on the mortgage. (I think I signed a deed of some sort). Now we are moving to Florida, and I am going to put the mortgage in my name. My question is, does my wife have to be on the actual mortgage with the lender, or just sign the deed? I don't want to put her on the mortgage since we still have yet to sell the MI house, plus she isnt working and it would wreck our DTI. I am approved for the mortgage off my income. Do I technically own a home even though Im not on the mortgage in MI? Would this actually be a second home? Do I have to disclose the MI house to the lender since they will not see it on my credit report. Someone told me I had to put her on the title AND mortgage, unless I call the house a 2nd home.
  • I have problems with all of the answers above. (Please do not use a lender or broker for your loan who is not familiar with the laws in FL.) Unfortunately, I can only give you a generic answer to the MI question, but I can address the FL. The person you spoke with is correct. However, I think you may be confused on what a "mortgage" in Florida is. The "Mortgage" puts the property up as collateral and the "Note" is the obligation to pay. Since Florida is a community property state. Your wife must go on title (deed) but she does not have to go on the loan (NOTE) In Florida, your wife will have an interest in the property by marriage. Unlike other states a spouse CAN NOT sign a deed, relinquishing this interest. This rule only applies to Homestead property (which is why they made reference to calling the property a second home.) If you will be living in the property, do not bother trying to get a second home loan, because the rate will be higher and your wife will have a marital interest by law the second you move in. (You also want to be eligible for the Homestead exemption which gives a significant break on your property taxes) You can be the only person on the loan (the NOTE) and your wife can sign only the Mortgage. Since she has a Marital interest, it is required that she sign allowing the property to be put up as collateral. I am not familiar with MI but, you will need to check your deed to see who is on title. If MI is a community property state, you may still have an interest in the property even if you are not on the deed (like FL), but its also possible MI is a state that you can relinqish marital interest by signing a deed. (see if you did) If you have no interest in the property, do not mention it. You do not want it to come into play and affect your DTI.
  • Yes, all you will need to do is make sure that the closing attorney and the mortgage company know that this property is for the both of you and both want to be placed on the deed and mortgage. Spouses can sign a contract to purchase a piece of real estate without the other being present and both can be placed on the deed and mortgage.
  • Michigan is an Equitable Distribution State, so if you are not on the deed you don't own any portion of the house. If you are on the deed but not on the Note the mortgage is not your legal responsibility but the taxes and insurance are. If you are on the deed you must disclose this because those items are part of your DTI. To not disclose is Loan fraud. In Florida you can take title in just your name but if the home is purchased with joint monies, she will have equitable rights. Additional Information: Florida a Community Property State? http://www.nolo.com/definition.cfm/term/... http://www.bankrate.com/brm/news/pf/2006...
  • her mortgage in MI she owns it period. second part is a bit tricky. They base it on your credit rating and if you are strong enough, you can probabloy get by without it however if something happens to you she'll get it anyway. second homes will wreck your dti. You shoudl be able to but ask before doing it.
  • Well, it depends..
  • The HOA foreclosed on the property in Florida. There is still another case pending against Homeowner (by the lender) If I buy this property would the lender still be able to go against me for a mortgage satisfaction. Also what happens if Lender's ( 1st Mortgage ) case has been dismissed but HOA did pursue and foreclosed on the property and property is now for sale. If I win auction ( Orange County ) will I still have to satisfy 1st lien? I know if this was tax sale I would have all rights to wipe the lien by the mortgage holder, but what happens in the cases like this? Thanks for all answers !!!
  • THANKS FOR RESPOND, BUT QUESTION WAS IF THERE IS A FORECLOSURE PENDING ON THE LIEN ( 1ST MORTGAGE ) AND THE CASE GOT DROPPED OR LENDER WAS UNABLE TO FORECLOSE FOR ANY REASON AND THERE WAS A SECOND LAWSUIT BROUGHT BY HOA. THEY FORECLOSED AND HOUSE ( CONDO ) WAS PUT FOR SALE. WHAT IF I BUY PROPERTY AM I STILL RESPONSIBLE FOR 1ST MORTGAGE OR I'M GETTING PUT IN FIRST POSITION ? THANKS
  • At the foreclosure sale you would have to bid for the property as everyone else there to bid on the property. The lender would set the minimum bid to cover the balance of the mortgage loan, all back payments to include include and foreclosure or legal fees associated with the foreclosure. If you have lost the property through foreclosure the lender could obtain a deficiency judgment against you in a court of law for the difference between what the property actually was able sold for and what your mortgage loan balance, foreclosure fees and cost. Even though this is an option, most lenders do not go through this long drawn out costly procedure. Even if the lender is able to get a deficiency judgment against you, they would still have to collect this judgment. Faced with this judgment most in this situation would file for protection under the bankruptcy laws of the United States, thus the lender would not be able to collect, even though they would still have to pay their for attorney (s) for their services. Most lenders would write this loss off on their federal income tax. They would then send you a 1099 indicating you had a gain from the sale of the house during the foreclosure procedure. You would be required to pay taxes on this gain in the year in which you received the 1099. The IRS has indicated that if someone had a loss then someone must have had a gain. The IRS has deemed the former homeowner had the gain. I hope this has been of some benefit to you, good luck. "FIGHT ON"
  • The HOA lien is junior to the first mortgage and in order for them to file foreclosure, they would have to pay off your mortgagee. Now, your narative isn't too clear. I presume you are the buyer. If you purchase a foreclosed property at auction you will not be responsible for any deficiencey balance. That's between the mortgagor and mortgagee. Now, it's possible the HOA has a lien against the property and that's not satisifed at the auction sale. In most cases you would be responsible for satisfying the lien. realtor.sailor
  • 21-0. subject-free. The Undertaker's streak has exchange into too useful of a tension. i've got surely considered it being a mistake that the ingenious team booked Shawn Michaels and Triple H because of the fact the Undertaker's maximum cutting-edge victims, as Michaels and Triple H are, kayfabe-sensible, 2 of the main powerful wrestlers of all time. The Undertaker defeating them, two times respectively at that, has created an excellent line wherein in trouble-free terms considerable stars are able to believably ending the streak, and prefer it or no longer, CM Punk is nowhere close to as powerful as Michaels and Triple H. in spite of what Punk has finished touching directly to Paul Bearer and the urn, grimy procedures are mindgames are not adequate. Punk will make a brilliant attempt, as i'm looking forward to quite a few fake finishes and moments that surely have the objective marketplace pondering the tip of the streak. yet I quite doubt WWE will supply Punk this super of a victory. there is in trouble-free terms one guy credible adequate to end it. John Cena. Cena's accomplishments on my own are adequate information that he ought to surely end the streak. he's a multi-time international Champion, he's youthful, and he's the face of the business enterprise. It probably won't take place (i'm looking forward to The Undertaker to retire with the streak intact) besides the shown fact that it would not ask your self me if Cena ended it the way it may if Punk ended it.
  • In Florida, a mortgage foreclosure does not automatically result in a deficiency judgment. Just because you lose a property at foreclosure does not mean you will remain personally liable for money owed to the lender . To obtain a deficiency judgment against the borrower the foreclosure sale the mortgage lender has to file a motion for a deficiency after the foreclosure sale, and the court must hold a separate evidentiary hearing on the lender’s request for deficiency liability. At the evidentiary hearing the mortgage lender has to show the court evidence that the property’s value on the sale date was less than the note balance. The borrower can get his own appraisal or can use the government's tax assessed value as evidence of value. If the property was worth more than note balance on sale date the court will not give the mortgage lender a deficiency judgment against the borrower. The borrower may present evidence of value in the form of a formal appraisal or other less formal opinions of value such as the local government's tax assessed value.
  • most likely they will because judgments in florida are good for 20 years and can be renewed for another 20. Sometime in the next 40 years the lender or a scumbag collection agency who will buy the judgment will come after what you own, attach your wages and/or clean out your bank accounts.
  • Yes there is but unless the amount is alot and the bank thinks it has a pretty good chance of getting the money (ie you are not flat broke or at least the bank thinks you may not be) they probably won't pursue. However, they can pursue it if they want to. Also, some types of loans cannot be pursued for a defiency judgement, apparenty some types of arms can't be pursued, but I'm not sure of the details on this.
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