Thank you for visiting my site!
My name is Lisa Posta and I am a Loan Officer with Flagship Financial Services, a Mortgage Banker located in Ft. Lauderdale, FL. Flagship has been originating residential mortgages since 1989. We are a DIRECT ENDORSED FHA LENDER.
Among the highlighted loan products that we offer are:
*Ideal program for homeowners that are upsidedown on their current mortgage(s). Allows you to take advantage of today's Super Low Interest Rates!
Contact me for more details!
While this site may answer your initial mortgage questions, I invite you to contact me directly so that I can best assess your financial situation and goals. This will allow me to present the best advice & loan programs available to you while educating you on the benefits or potential drawbacks of each loan option. I welcome & look forward to your call!
ATTENTION HOME BUYERS & REAL ESTATE AGENTS:
SEE BELOW FOR MAJOR IMMEDIATE CHANGES TO FHA LOANS:
1. The annual MIP on FHA loans will increase by .10% (most loans will be at 1.25%) and the UFMIP will increase by .75% to 1.75% for case numbers ordered on or after April 1, 2012. A fully executed contract is required (does not have to be accepted by the short-sale lender) to order a case number prior to this date to secure the current, lower mortgage insurance. This will also make streamlined refinances less attractive as there will be no benefit to reduce the rate, but increase the monthly MIP payment.
2. FHA is proposing to decrease the allowable amount of seller contributions in the near future. One proposal calls for the maximum seller contribution to be decreased to $6,000 or 6%, whichever is lower. We're not yet certain what the final rule will be, but you can be sure that FHA will decrease seller contributions in the near future. Now is the time to alert your fence-sitting FHA buyers!
The Cities of Miramar, Pembroke Pines, and Coconut Creek are currently looking for homebuyers that need down payment & closing costs assistance. They are offering up to $60,000.00 for moderate to low income buyers. Please contact me if you are interested in applying!
Flagship Financial has the ability to close a loan within 2 WEEKS for buyers who qualify. This can give you a significant advantage when purchasing bank owned properties. Your offer will carry more weight than other homebuyer offers in most instances.