Qualifiying & Non-Qualifying Mortgage Products

Welcome to Focus Mortgage Solutions!

Our team has been helping clients just like you buy their dream home for years and we’re here to assist you. We have a variety of products available no matter if you’re a freelance contractor or if you’re a veteran. The products we provide help us to get our clients into a home that they love with a mortgage solution that works for their specific situation. If you’re looking to get into a new home for the first time or for the fifth, take a look at the products we provide below.

Qualifying Mortgage Products

Non-Qualifying Mortgage Products

FHA Home Image

FHA Loans

This loan is designed for first-time homebuyers with less than perfect credit; but there are terms that you have to qualify for.  This protects both you and the lender.  Don’t waste time thinking you can’t buy a home.  We walk you through the process, step by step, to get you qualified for your loan.

Call our office today!

VA Loans

Designed for active-duty, veterans (unless dishonorably discharged), and in some cases, surviving family members of the United States Military Service.  These loans are often the best options for those who qualify.  We know how to navigate the paperwork, so you don’t have to.  Let us be your guide to becoming a homeowner.

VA Loan Image

USDA Loans

Qualifying homes for this loan must sit on property that the USDA has deemed for rural development.  It’s designed to help those with lower income secure a mortgage sometimes without even a downpayment.

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Conventional Loans

Designed for borrowers with good credit, and at least 3% downpayment, conventional loans are not backed by any government entities.  These loans are best for people purchasing second homes and investment properties.

Asset Qualifier

With this type of non-qualifying loan, you are able to use the assets you’ve saved over the years to qualify for your loan.  Things like retirement, checking, savings, and stocks all qualify.  Call today to see if this option is right for you.

Call our office today!

Bank Statement Qualifier

Are you a successful entrepreneur, with a business of your own?  We may be able to use your bank statements to qualify for your home loan.  We have helped many business owners in the Ocala Community navigate their way through using bank statements for proof of income for this loan.

Call today to see if you qualify.

Full Doc Qualifier

Maybe a traditional loan doesn’t work for your needs.  A Full Doc Qualifying Loan can look at all of your income and assets together to get your home loan.  Click on “Apply Now” and fill out our form to see if this option is best for you.

Gig Qualifier

Are you a successful independent contractor or a freelance worker looking for a home loan?  We may be able to get you qualified using your 1099s.  Fill out the form below, and we’ll contact you about the details of your loan.

With You Every Step of The Way.

No matter your current situation, reach out to Focus Mortgage Solutions today to see how we can help you get into the new home of your dreams. Don’t hesitate to call us at the office to set up a consultation appointment to see which mortgage product may work best for you. There’s something out there to help you get your family into that dream residence today.