Thank You! Gracias You Made a Great Choice! - Return Home Thank You for Your Business, Trust and Confidence Honesty,  Integrity,  Excellence,  Experience  I’m Making Good Friends We're Always Here When You Need Us Thank You! for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. Please call us if we can be of further assistance.

Please allow me to introduce myself, my name is Miguel Frias Garcia, Real Estate Broker & Mortgage Advisor and Insurances License Agent, President and Owner of Florida Homes & Mortgage in Florida.

I joined the real estate and mortgage industry in 1997 has personally helped homeowners Buying, Selling, and Refinancing their homes with low rates, my goal is to help families like yours save money on your mortgage. refinance your mortgage for a lower rate, access cash or lock in a low rate, I work with top nation's top banks, credit unions.

You will need of a proven best real estate and mortgage professional, with 25 years of experience, I understand the importance of trust and respect. I extend those qualities to each of my clients every member of your family will be treated with honor and respect.

The Reason Why You Choose Miguel, others real estate agents, loan officers, or insurance agents you already previously worked before, many agents provide poor financial advice to their clients, they will promise you anything and everything to get your business, verses Miguel who have over 25 years of experience.

I Stand Out from the Competition. You will receive personalized attention is something you have not experienced in other real estate, mortgage or insurance companies or agents.

Thank you for the opportunity to do business with you and let us know if there is any way we can assist you in the future with your real estate, mortgage, or insurances needs.

The Highest Compliment I Can Receive Is the Referral of Your Family and Friends.

I would love to meet with you and demonstrate how you can save a lot of money.

Please don’t hesitate to contact me if you have any questions about Real Estate & Mortgage or Insurance.

Get a Free Consultation,  No Pressure,  No Hassle,  No Obligation. 

Mortgage Documentation Requirements

When you are planning for a mortgage application, one of the most important steps you can take before you apply is to gather the documentation you may need to supply with your application. Which loan you select will determine the exact documentation requirements. As soon as we have all your documentation from you the loan will close fast and you will have what you deserve.

Documentation Process After you submit your application, we'll call you to talk about the type of loan you have chosen. Then you will be sent a Disclosure package that includes several items that you will need to sign, and a list of documents that you will need to send in. Here is a list of some of the documents you may need:

Salaried Income

Most recent pay stub showing year-to-date income; if there have been multiple employers in the current year, all paystubs showing year-to-date income

Last year's W-2

Salary Plus Bonus/Overtime

Most recent pay stub showing year-to-date income

Last year's W-2

Straight Commission Income

Most recent pay stub showing year-to-date income

Last two years' 1040 tax returns

Self Employed Persons (1099 recipient)

Last two years' personal tax return and partnership or corporate tax return

Current year-to-date P&L if tax returns are older than 12 months

Signed IRS Tax Form 4506

Partnership Income

Last two years' personal tax returns

Last two years' K-1s, 1065s, P&Ls, and YTD Balance Sheets

Corporation Income (if ownership is 25% or more)

Last two years' personal and business tax returns (1120)

Current year-to-date P&L if tax returns are older than 12 months

Trust Income

Trust Agreement or trustee's letter stating payment amount, frequency and duration (must continue for at least three years

Last two years' tax returns

Rental/Lease Income

Copy of Rental/Lease Agreements

Last year's tax return

Social Security/Pension/Retirement/Disability (three years remaining required)

Award Letter

Most recent two months' bank statements (if direct deposit) or copies of checks

Interest/Dividends

Last two years' tax returns

Copies of current statements

Alimony/Child Support

Complete Divorce Decree

Proof of six months' receipt (must be recieved continuously for three years to qualify as income)

Purchase Transactions

Copy of signed Purchase Contract (include all counter offers)

Gift Letter, if gift funds are being used: Letter includes date of gift, the amount and donor's name, address, telephone number and relationship, statement that repayment is not expected

Document(s) verifying transfer of funds and copy of a withdrawal receipt from the donor's account or a copy of the gift check

Certified copy of HUD-1 settlement statement from sale of present property, if applicable

Evidence of homeowner's insurance (required prior to closing)

Evidence of flood insurance

Credit History/Liabilities

Bankruptcy petition and discharge papers, if applicable

Written explanations of any serious derogatory credit if applicable:

Bankruptcy

Collections, judgements, liens

Late payments - mortgage or revolving credit

Defaults, foreclosures, short sales

Final divorce decree, if applicable

Assets

Most recent two months' bank statements

Most recent brokerage account statement

Most recent IRA/401K statement

Gift Letter, if gift funds are being used: Letter includes date of gift, the amount and donor's name, address, telephone number and relationship, statement that repayment is not expected Document(s) verifying transfer of funds and copy of a withdrawal receipt from the donor's account or a copy of the gift check Certified copy of HUD-1 settlement statement from sale of present property, if applicable

Refinance Transactions

Evidence of homeowner's insurance

Evidence of flood insurance

Condominiums or Planned Unit Developments

Project name, homeowner's association (HOA) name, HOA contact name and phone number.
brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Florida Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doralos Bay Harbor Islands Biscayne Park Coral Gables Doral El Portal.Florida City Golden Beach Hialeah Hialeah Gardens tead Indian Creek Village Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale New Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami