The J Clark Lending Team

🏡 💥 1st TIME HOME BUYER ZOOM SEMINAR -

HOME BUYER ZOOM Learn what is needed to get PRE APPROVED for a Mortgage to buy a home

STOP PAYING RENT !! Buy NOW !
Think Payment — not Interest rate !
Contact me for the Pre Approval

🔥🔥CLOSED CONDO PURCHASE !!

🔥🔥DUPLEX,TRIPLEX OR QUADPLEX 🔥🔥
1st Time Home Buyers can BUY on of these multi family properties with as little as 3.5% Down payment - dm me for more info

📣 Super Excited to announce that I partnered with Craig Martinez the Flip Boss 😮 to run the United Realty Group's Cooper City Branch. Together we bring over 40 years experience in the real estate & mortgage business.
This is your TRUE 100% Commission Brokerage for Agents looking to spread their wings and grow their business. 👍
We share an All In One Brokerage Experience with Real Estate, Title, Mortgage and Wholesale properties under one roof. With over 22 United Realty offices spread throughout South Florida yo can't go wrong.
💥BUY with US 🏠
💥LIST with US 🏡
💥CLOSE with US ⭐️🎁
💥GROW with US 😀

🚀 In this video we talk to our team on what we expect to see from the 2023 Real Estate market and what we want to bring to our Branch.

Chttps://youtu.be/5rYF5Oo8Ytw

Real Estate Kick Off 2023 - United Realty 2023 - 100% Commission Brokerage in Cooper City Florida Watch Local Real Estate Investor Craig Martinez and Local Florida Mortgage Broker Jason Clark speak about upcoming real estate trends and office management f...

Buyers Start Your Engine !!
Rates are good and so is the time to buy a Home !

Contemplating buying vs. renting? Homes usually go up in value over time, so every payment you make increases the equity you have in your home. Stop writing checks to your landlord and start investing in your future. DM me to learn more.

🔸MARKET CHANGE🔸

Once again the market has changed, and I want to give you an idea of our rates for certain programs.

All scenarios are based on a 720+ Credit, and a 30 year fixed.

▪️6.75% - 5% Down Conventional
🔸6.25% - 3.5% Down FHA
▪️9.875% - 10% Down 24 Months 🔸Bank Statement, cost 0.625 points
▪️8.75% - 20% Down INVESTOR No Income Loan, cost 0.5 points

If you have any questions please DM us 📲

🍂 WOOHOO ITS FINALLY FALL 🍂

Let us help get you pre-approved so you can start searching for your dream home 😆

We have the best team to help make this process quick and easy. Give us a call today to get started 📲

🏠 CONVENTIONAL LOAN 🏠

I got to help my best friend of 40 years close on his brand new home in Davie 😄 There’s still some remodeling that needs to be done, but he is so happy that he gets to design his home the way he wants 🛠

✅ $625,000 Loan Amount
✅ Rate 4.625% (APR 4.952%)
✅ 5% Down Payment
✅ 680 Credit Score
✅ Conventional Loan
✅ No Escrows

DM us for questions about your next home purchase 📲

🍂 UNLOCK YOUR EQUITY WITH A HELOC 🍂

Home Equity Lines Of Credit are BACK !! We just helped a past client UNLOCK their equity for some Home Improvements. YOU CAN TOO !! 💰

✅ $86,000 Loan Amount
✅ Rate 8.74% (APR 9.25%)
✅ 714 Credit Score
✅ HELOC

DM us for questions about your next home purchase 📲

🌴 FOREIGN NATIONAL 🌴

We’re so glad we got to help this family from Ecuador purchase a new home in sunny Florida ☀️ The home is PERFECT for anyone looking to move here, right on the water and only minutes to the beach 🏝

✅ $675,000 Loan Amount
✅ Rate 7.625%
✅ Foreign National

DM us for questions about your next home purchase 📲

🛠 NEW CONSTRUCTION 🛠

After selling their Miami home to move out West to Naples, It finally happened 🎉
We had to BEAT OUT the Builders, sorry Lender, and WIN the deal with our LOW RATE !!
Locked them in for 90 days before the market dip.. and NOW THEY OWN THEIR NEW HOME WITH INSTANT EQUITY !! 💰💸🤑

Thanks to our Realtor Partner Michelle “Game Time” Hernandez with Josh Realty for the refferal 🙏🏻 and being a Pro !!

✅ $377,500 Loan Amount
✅ Rate 4.75% (APR 5.12%)
✅ 15% Down Payment
✅ 730 Credit Score
✅ Conventional Loan

DM us for questions about your next home purchase 📲

✨TOWNHOME PURCHASE✨

This client purchased a spacious townhome in Centra Falls in Pembroke Pines! This file got a little rocky, but in the end it all paid off 😄 I hope our client enjoys their new home, and the amenities the community comes with ☀️

✅ $517,750 Loan Amount
✅ Rate 4.999% (APR 5.605%)
✅ 707 Credit Score
✅ Conventional Loan

DM us for questions about your next home purchase 📲

🏴‍☠️🏴‍☠️ Black Listed Condo ! On the Fannie / Freddie Exclusionary List - NO Conventional Financing allowed ☹️..
Condo Name - Solabella in Miami Gardens- 1 owner owns over 40% of the units- CANNOT LEND there with Conventional financing (3,5 or 10% down)
MUST go NON PRIME with 25% Down and a higher rate. ..
On to he Next One ….. Seller/Realtor was unaware of this .., 🤔

Caitlyn getting things wrapped up this Friday ! in a solid week !!
Thank You Young Lady !! ⭐️🙏🏻

I’ve been taking this (heard about it in the Joe Rogan podcast) and it’s Pretty Good !!
The Day !!

🔥 HELOC 🔥

THEY ARE BACK!!

Keep your low 1st Mortgage Rate. Home Equity Lines of Credit are BACK and we can help you tap into your homes equity!! 😃

✅ Min FICO 680
✅ LTV 90%
✅ 2nd Homes Available

Contact Jason for more info 📲

💥 RATE & REFINANCE 💥

Clients HARD MONEY Lender wanted OUT !! Soooo,,, we worked relentlessly to structure this loan. Client was self employed Pizza shop owner - didn’t show enough income so we added his daughter in NY and BAMM !!! APPROVED AND READY TO GO !!

✅ $280,000 Loan Amount
✅ Rate 5.24% (APR 5.786%)
✅ 659 Credit Score
✅ Conventional Loan
✅ Refinance

DM us for questions about your next home purchase 📲

⚡️CONDO PURCHASE ⚡️

💥🚀 SUPER FAST & QUICK CLOSING !!
Borrower was in California and the title company sent out a mobile notary to close him out! Our team helped this Vet BUY his 1st condo in Good Ole South Florida in record time !! 🏝✅💪🏼😃

✅ $101,062 Loan Amount
✅ Rate 5.5% (APR 5.775%)
✅ 58% Down Payment
✅ 808 Credit Score
✅ Conventional Loan

DM us for questions about your next home purchase 📲

💥💥KABOOM !!! 💥💥💪🏼⚡️✨🌴

CASHED OUT !! Now this lovely client can buy her investment AIR BNB in Columbia. 💰💸💵🤑

This is was not easy. Conventional didn’t take it because the client needed 6 months reserves.

BUT, FHA DID NOT NEED THEM !! So,, she got her CASH OUT money and reinvested it !! 🏝

✅ $356,125 Loan Amount
✅ Rate 4.125% (APR 5.23%)
✅ 732 Credit Score
✅ FHA Loan
✅ Refinance (CASH OUT)

DM us for questions about your next home purchase 📲

✨INVESTMENT REFINANCE ✨

NO INCOME - NO PROBLEM !! 💥✨🎉
One of the TOUGHEST deals we have done! Our team did an AMAZING job working on this file, and everyone was beyond patient during this long process. I’m glad our client finally got to close on her investment home 🎉

✅ $280,000 Loan Amount
✅ Rate 7.375% (APR 7.83%)
✅ 673 Credit Score
✅ Conventional Loan

DM us for questions about your next home purchase 📲

⚡️ 15 YEAR CONVENTIONAL MORTGAGE ⚡️

This file went so smoothly and LIGHTENING QUICK !! ⚡️✨💥 MY TEAM KICKED BUTT ON THIS ONE !! OUR Borrower did an excellent job getting all his docs over in a timely matter. THANK YOU REALTOR LORI HICKS for your help. 😃 I hope our client enjoys their new home in Wellington!!

✅ $256,000 Loan Amount
✅ Rate 3.625% (APR 0%)
✅ 20% Down Payment
✅ 777 Credit Score
✅ Conventional Loan

DM us for questions about your next home purchase 📲

🌴BEACH CONDO PURCHASE 🌴

Our team was able to help our client get exactly what she wanted! The perfect condo right on Jensen Beach 🏝 We got our client the best rate for her 2nd home purchase!

✅ $446,250 Loan Amount
✅ Rate 5.75% (APR 5.95%)
✅ 25% Down Payment
✅ 689 Credit Score
✅ Conventional Loan

DM us for questions about your next home purchase 📲

✅ FOKANA Convention 2022.
I had the privilege of being invited to this wonderful convention in Orlando by Chacko & Jacob of Josh Realty Inc.
Thank you guys !

🐷PIGGYBACK MORTGAGE 🐷
☹️CONDO with NO RESERVES ..

Let us turn that frown ☹️ upside down .. lol 😃If it wasn’t for the two lenders we used on this file, this loan would be a dead sap.
However,, Our team was able to help this gentleman purchase his first condo in Florida
With a PiggyBack Mortgage 🐷 !!
ASK US HOW WE DID IT
💥💥 Special THANKS to Chacko at Josh Realty for his relentless property search for our client !!

✅ 1st Loan Amount $116K
✅ 2nd Loan Amount $19K
⚡️⚡️⚡️25% Down payment
✅ Rate 5.25% (APR 5.679%)
✅792 Credit Score
✅Condo with no Reserves

DM us for questions about your next home purchase 📲

❗️❗️FHA Guidelines SAY NO to Non Occupying Co-Borrowers on a CASH OUT Refinance -- 😟
Just found this out yesterday. Underwriting denied a loan for a client because FHA has yet ANOTHER silly guideline that DOES NOT ALLOW a non-occupying borrower to qualify for a loan.
♻️♻️ So, we flipped the loan to Conventional and now the client has to bring about $80K to close. Lucky he has it.... ..

🐮INVESTMENT PURCHASE 🐮

I want to start off by thanking my team. They all worked extremely hard on this tricky file, and it all finally paid off!! The team and our clients were beyond patient throughout this process, and I’m so glad we get to say it CLOSED!

✅ $455K Loan Amount
✅ 30% Down payment
✅ Rate 8.749% (APR 9.346%)
✅ No Income Doc
✅627 Credit Score
✅ Investor Duplex

DM us for questions about your next home purchase 📲

✨5 % DOWN PURCHASE ✨

Yes, you read that right. We close UGLY homes, so our Borrowers can make them Beautiful !! Our clients bought this home in Boynton Beach to renovate it 🛠 I cant wait to see how it all turns out 😆

✅ $300K Loan Amount
✅ 5% Down payment
✅ Rate 4.875% (APR 5.406%)
✅ 30 Yr Fixed
✅$9,300 SELLER CREDIT !!

DM us for questions about your next home purchase 📲

✨FOREIGN NATIONAL LOAN ✨

I got to work again with the amazing Realtor Cece Isorez on a loan! This is another family moving here from Canada to the Sunshine State ☀️ The clients were so patient with our process, and helped keep everything smooth sailing ⛵️

✅ $600K Loan Amount
✅ 20% Down payment
✅ Rate 8.49% (APR 8.926%)
✅ 30 Yr Fixed

DM us for questions about your next home purchase 📲

☀️🌴👍 My borrowers business partner just called me for a rate quote … CHECK it out ..

🔥 🔥JUMBO LOAN🔥🔥
24 Month Bank Statement
Self Employed
755 middle credit
$2.2M Purchase Price
10% Down $220K
$1,980,000 - Loan Amount …

RATE ……… 7.125% ………..

Last December SAME loan was locked in at 3.75% 🙁

🍎🍎FHA RULE I just found about this-- You only need 1 working bathroom to get FHA financing. Here's the RULE.

What are the requirements for a living unit?

The Mortgagee must confirm that each living unit contains:

1. a continuing and sufficient supply of safe and potable water under adequate pressure and of appropriate quality for all household uses;

2. sanitary facilities and a safe method of sewage disposal. Every living unit must have at least one bathroom, which must include, at a minimum, a water closet, lavatory, and a bathtub or shower;

3. adequate space for healthful and comfortable living conditions;
heating adequate for healthful and comfortable living conditions;

4. domestic hot water; and

5. electricity adequate for lighting, cooking and for mechanical equipment used in the living unit.

⚡️Conventional Refinance Loan ⚡️

Helped a friend of mine refinance his beautiful home in Coral Springs this past month. There were some hiccups, but it all came together in the end 💪🏼

✅ $189K Loan Amount
✅ Rate 4.625% (APR 5.114%)
✅ 30 Yr Fixed

DM us for questions about your next home purchase or refinance 📲

🌟Refinance Conventional Loan 🌟

Another easy going file to work on with the team and client. We helped our client refinance their townhome in Sunrise, and got them a great rate 😆

✅ $240K Loan Amount
✅ Rate 4.69% (APR 4.951%)
✅ 30 Yr Fixed

DM us for questions about your next home purchase or refinance 📲

✨15 YEAR CONVENTIONAL LOAN ✨

This file was smooth sailing with this client. We helped him refinance his home in Oakland using a 15 year mortgage payoff term!

✅ $281K Loan Amount
✅ % Down payment
✅ Rate 3.5% (APR 3.85%)
✅ 15 Yr Fixed
✅ 750+ middle credit

DM us for questions about your next home purchase 📲

🚀🚀 Detroit City - Mortgage Capital of the World. 🌎