Florida Mortgage Financing Loan Programs For Disabled Borrowers

Getting a mortgage loan with a disability is easier than you think and they offer some of the lowest interest rates available. Special mortgages exist for people with disabilities, and for parents or legal guardian buying a home for a disabled child. In addition, there are mortgage programs for able-bodied people who live with qualified disabled residents. For instance, a caretaker who shares a home with his disabled sibling might get a special mortgage.

Buying a Home for an Adult with Disabilities

This loan program is designed for parents or legal guardians who want to provide housing for their physically handicapped or developmentally disabled adult child - If the child is unable to work or does not have sufficient income to qualify for a mortgage on his or her own.

Loan Program Requirements for Disabled Persons & The Parents or Legal Guardians.

  • It must be the disabled person's principal residence.
  • The property will be considered to be the parents or legal guardians primary residence even though they will not be occupying the property.
  • Purchase or rate and term refinance transactions allowed.
  • The disabled child is not required to be on the title or on the mortgage.
  • Tax returns are required from the parents or legal guardians to show the disabled adult child as a dependent or their tax returns.
  • 5% Down Payment required.
  • 620+ Credit Score required.
  • 6% Seller Credit towards buyers closing costs allowed.

We know the Mortgage Business and can Close Easy, Complex and Tough Deals. We do this by utilizing our years of experience and "Outside The Box Thinking" to get buyers pre-approved for the maximum loan amount possible while keeping their down payment and closing costs as low as possible.

     

  
Why should you choose First Florida Financial Group, LLC

  • We offer some of the lowest interest rates available
  • We offer same day free pre-qualifications.
  • 24-hour underwriting.
  • Loan closings in as little as 30 days. 
  • Over 50 years combined experience.
  • We work for you and only get paid when we’re successful on your behalf! In most cases, our fees are paid by the lender so our borrowers have little or no out of pocket expenses for loan origination costs.
  • We don't just offer the normal loan programs like most banks do, We offer ALL loan programs available and we offer them without the additional underwriting requirements and loan limitations that other lenders may have.    

We offer loans for the entire state of Florida and all of the following cities;
Monroe County Florida Cities; Big Pine Key, Islamorada, Key Colony Beach, Key Largo, Key West, Long Key, Marathon, Marathon Shores, Sugarloaf Shores, Summerland Key, Tavernier, Collier County Florida Cities; Marco Island, Naples Golden Gate, Alva, Boca Grande, Bonita Springs, Buckingham, Captiva, Cape Coral, Fort Myers, Fort Myers Beach, Lehigh Acres, Sanibel, Jacksonville, Tampa, Saint Petersburg, Hialeah, Orlando, Fort Lauderdale, Tallahassee, Hollywood, Pembroke Pines, Miami, Palm Beach, West Palm Beach, Boca Raton, Miramar, Sarasota, Gainesville, Bradenton.

1% Down Payment Loan
Got A Question?

Thanks and we look forward to working with you on your mortgage needs!

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