For Northeast Florida Realtors
Mortgage scenario resources for Realtor partners
Start with the borrower’s goal and obstacle—not a product name—then connect the scenario to the appropriate program, specialty, local cost, and educational resource.
Purchase scenarios
Use the program library to compare conventional, FHA, VA, USDA, jumbo, renovation, condo, and assistance paths. Eligibility and property fit must be confirmed; the list is not a promise that every product is currently available for every file.
Complex income and asset scenarios
Self-employed, 1099, business-owner, physician, residency, foreign-national, and asset-based questions need their own documentation plan. Send the category first and let the borrower provide financial details securely.
Investor and transition scenarios
Investment-property, DSCR, bridge, fix-and-flip, and home-equity questions should include occupancy, property type, timing, intended use, and exit plan. Investor-specific terms and availability can change.
Local questions belong in the financing
County taxes, flood resources, insurance, condo or HOA costs, CDD assessments, and property-search links help refine the payment and due diligence. The local library connects each market to the correct county resources.
Frequently asked questions
Clear boundaries for the partnership
Should I choose the program before sending the buyer?
No. Describe the buyer’s goal, known obstacle, property, and timing. Gary can compare eligible paths after the borrower provides the necessary information.
Can an investor loan avoid all documentation?
No. Investor programs still require the evidence and underwriting defined by the selected lender or investor.
Do local guides replace property due diligence?
No. They direct readers to useful official resources, but the buyer, Realtor, insurer, title professionals, association, inspectors, and appropriate advisers still have transaction-specific roles.
Next step
Start with the scenario, then select the path
Send a non-sensitive outline or contact Gary for a borrower-authorized review.