Mortgage Loan Programs

Explore Diverse Florida Home Loan Programs with The Egan Team

Explore our diverse range of home loans in Florida, designed to meet the unique needs of our clients across Babcock Ranch and beyond. Our selection offers something for everyone, whether you’re a first-time home buyer or looking to refinance your current property. With personalized service and a commitment to excellence, we ensure a smooth and fulfilling journey to homeownership.

VA Home Loans in Fort Myers, Florida

Eligible veterans and active-duty service members can benefit from VA home loans in Florida, which offer competitive rates and zero down payment options.

First-Time Home Buyer Loans in Fort Myers, FL

Our first-time home buyer programs in Florida are crafted to make your entry into the housing market seamless and stress-free. Discover various incentives and support systems tailored to new buyers.

FHA Home Loans in Fort Myers, Florida

FHA home loans in Florida provide flexible financing options backed by the Federal Housing Administration, perfect for those with lower credit scores or smaller down payments.

USDA Home Loans in Fort Myers, Florida

For those looking to buy in rural areas, USDA home loans in Florida, supported by the U.S. Department of Agriculture, provide attractive terms with no down payment required.

Mortgage Refinancing in Fort Myers, Florida

Looking to leverage the equity in your current home? Our refinancing solutions are designed to provide you with the financial flexibility you need. Whether you lower your interest rate or take cash out, we help you maximize your home’s value.

Take the next step with The Egan Team and explore the best home loans in Florida tailored to your needs.

Whether buying your first home or refinancing, our expert team is here to provide personalized support every step of the way.

First Time Buyer/Low-Down Payment Options

Conventional Loans with 3% Down- Perfect:  For first-time buyers or those with smaller down payments. They offer competitive rates and flexible terms.

FHA Loans with 500+ FICO:  This is accessible home financing for buyers with lower credit scores, requiring as little as 3.5% down.

Down Payment Assistance & Grant Programs: These programs are designed to help reduce upfront costs and are ideal for buyers who qualify for assistance.

Specialized Purchasing & Renovation Loans

FHA 203k & Fannie Mae HomeStyle Renovation: Finance the purchase and renovation of a home with a single loan.

VA Loans:  Exclusive to veterans and active military, offering zero down payment and favorable terms.

USDA Loans: For rural and suburban buyers, offering zero down payment and low rates.

Foreign Nationals Loan Program (ITIN): Tailored financing for non-U.S. citizens purchasing homes in Florida.

Advanced Financing Solutions

Jumbo Loans: For high-value properties exceeding conventional loan limits.

Non-QM Options: Non-traditional mortgage solutions for those not meeting standard lending criteria.

Bank Statement, 1099, or Profit and Loss Only Loans: Ideal for self-employed individuals who use alternative documents to prove income.

Investment & Property-Specific Financing

Fix and Flip Loans: Short-term financing for investors renovating and selling properties.

DSCR Investment Property Cash Flow Programs: Loans based on property cash flow rather than personal income.

Manufactured Housing and Mobile Loans: Specialized loans for purchasing manufactured and mobile homes.

Unique Situations & Opportunities

Reverse Purchases & Refinances: These allow seniors to access home equity for cash or to purchase a new home.

Loans for Recent Foreclosure, Short Sale, or Bankruptcy: These are financing options for those who have recently emerged from financial hardship.

Interest Rate Buydowns: Lower your interest rate for the initial years of your mortgage.

Self-Employed Borrower Programs: Loans tailored to the unique income situations of self-employed individuals.

Additional Financing Options

Escrow Holdbacks: Set aside funds in escrow for repairs or upgrades post-closing.

Home Equity Loans & Lines of Credit: Use home equity to secure funds for various needs.

Bridge Loans: Short-term loans bridge the gap between selling a current home and purchasing a new one.

Niche and Innovative Programs

Liquid Assets Qualifier: Qualify for a loan based on liquid assets rather than income.

One-Time or Ground-Up Construction Loans: Finance the construction of a new home from the ground up.

Cannabis Income Loans: Consider income from the legal cannabis industry for loan qualification.

ABOUT

Welcome to The Egan Team at Troy City Mortgage! Founded on the principles of kindness, knowledge, and genuine care, our mission is to guide you through the mortgage process easily and confidently. Led by Susan and Bill Egan, our team offers personalized mortgage solutions that are as unique as your dream home. From first-time buyers to seasoned investors, we're here to make your journey to homeownership flawless and fulfilling.

     

CONTACT

William “Bill” Egan III
Loan Officer
NMLS# 1715713
The Egan Team at Troy City Mortgage
NMLS# 1591856
Serving Babcock Ranch, Florida, and surrounding areas
Licensed in FL and RI
Phone: (978) 273-0749
Email: [email protected]

© Copyright 2024 All Rights Reserved. Troy City Mortgage LLC; Company NMLS: 1591856; Licensed by the Rhode Island Division of Banking: License #20173442LB; Florida Mortgage Broker License NMLS 1591856; We arrange but do not make loans. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. This Is Not An Offer To Enter Into An Agreement. Not All Customers Will Qualify. Information, Rates, And Programs Are Subject To Change Without Notice. All Products Are Subject To Credit And Property Approval. Other Restrictions And Limitations May Apply. Equal Housing Opportunity.  Privacy Policy. Terms of Use. Site by Rachelle Deem