Teacher - Fire Fighter - Police Mortgage Programs

Florida Mortgage Programs for Teachers

"Florida is projected to have critical shortages of teachers and nurses in the coming years..Only 56% of the students graduating from Florida's teacher preparation programs become teachers in Florida public schools."

Report to the Florida Legislature Office of Program Policy Analysis and Government Accountability February 2005

Florida lawmakers aren't always the smartest group to grace God's green earth. But those who have done their homework and read OPPGA's report know how hard Florida works to keep the classroom teachers we train, home in our schools.

Part of the reason that some teachers leave Florida is the high cost of housing and the lack of affordable Florida home loans for teachers. With the recent rise in Real Estate prices and insurance costs, affording a home is difficult for many teachers in a world where pay increases have not kept pace.

A few Florida Lenders have created loan programs to keep teachers teaching in Florida classrooms by offering them mortgage discounts. Whether you are a first year teacher buying your first home in Land O Lakes, FL or a veteran teacher looking to build equity in Gainesville, FL for a secure retirement, Capital Lending Corp. has a home mortgage that can make it happen.

Capital Lending Corp. is a licensed Florida Mortgage Broker and has been offering special mortgage programs for Florida teachers statewide since 2005. Here's what one of our clients had to say about the mortgage program for Florida teachers:

"As a teacher and parent , every little bit of savings is important. Chad Lane at Capital Lending did an excellent job of explaining the program. On my Zephyrhills home, using Florida teacher loan program saved me just over $600 per year."

Michelle Lastinger
Florida Classroom Teacher

If you work full or part time as a classroom teacher in a public or private school, you may be eligible for a special mortgage program for Florida teachers. To learn more call Capital Lending Corp. toll free at 1-866-924-4111. Do not delay because funds earmarked for the Florida teacher loan program are limited.

For qualified Home Buyers, Capital Lending Corp. 's home loan program for Florida teachers is an excellent way to become a Florida homeowner in the community where you teach. This innovative mortgage program for teachers allows:

• Florida teacher loans with easy qualifying; A-paper rates even with credit dings
• Loans for Florida teachers with excellent terms even for 100% financing
• Special lower rates on PMI on Florida teacher loans that require PMI
• Never any application fee for Florida teacher loans
• Low fixed rate mortgages for teachers with 20, 30 or 40 year terms
• Home loans available for qualified public or private school teachers
• Part time teachers can still qualify for the Florida teacher loan program

Do not miss an important mortgage benefit designed especially for Florida teachers. Call Capital Lending Corp. toll free at 1-866-924-4111 to get full details on the home loan for Florida teachers program

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Mortgage Discounts for Police Officers and Deputies

"In the neighborhood where I grew up, a police officer lived less than a block from our house," says Chad Lane, President of Capital Lending. "It was comforting to see the squad car a few driveways away," recalls Lane. "Having a law enforcement officer next door is great for any neighborhood."

Home prices in Florida have risen dramatically over the last ten years. As a result, it is more difficult for police officers and deputies to Afford homes in the areas they patrol. In response, several lenders have developed discount mortgage programs for Florida police officers and sheriff's deputies.

"After World War II, our government developed the VA loan as a way to thank veterans for their service. Our home loan discounts for Florida police officers are a small way to say thank you to those who serve and protect us 24-7," says Lane. "We are thrilled to be able to offer a program that makes it easier and more affordable for police officers to buy homes in Florida."

Mortgage Programs for Police, Sheriff and Highway Patrol Officers

Capital Lending is a family owned mortgage brokerage in Tampa, Florida that has been delivering mortgage savings to police, sheriff and highway patrol officers since 2004. Although we started by offering mortgage discounts to law enforcement in Tampa Bay, we have expanded to cover all of Florida.

The Florida law enforcement mortgage program is open to police officers, sheriff's deputies, Florida Highway Patrol officers, Department of Corrections employees, and Florida Department of Law Enforcement employees. Qualified full-time, reserve, or retired law enforcement officers can still take advantage of the law enforcement mortgage discount to buy a Florida home. To see if you qualify for a law enforcement discount on your Florida mortgage, contact a loan professional with Capital Lending Corp. at 1-866-924-4111.

Benefits of a Florida Police Officer or Sherriff's Deputy Mortgage from Capital Lending:

• No application fee on any Florida police officer home loan
• Low fixed rate mortgages available with 20, 25, or 30 year terms
• Excellent rates even for No Money Down financing using Capital Lending Corp's Florida law enforcement home loan program
• Police Officer Home Loans up to 417k to buy or get a homeowner Refinance Loan for a Florida home
• Easy qualifying for Florida police officer home loans
• Zero credit options for deputies, FDLE employees, DOC employees, and police officers without established Credit in the credit bureaus. Don't let no established personal credit mean no Florida home loan! Call 1-866-924-4111 right now for a quote on your Florida law enforcement mortgage using our My Community program
• Big savings on private mortgage insurance for those officers who choose loans with PMI and use the police officer mortgage program.

"Using the law enforcement mortgage program can make a big difference in the monthly cost of a mortgage. I ran the numbers for a recent Orlando, Florida Mortgage applicant and the savings was $75 a month. Extend that out over the 7 year average for keeping a mortgage, and it adds up to over $6000," says Lane.

To learn more or apply for a Florida Home Loan under the police officer mortgage program, contact Capital Lending Corp. toll free at 1-866-924-4111 or use our secure online Quick Inquiry. We'll call you at the time you specify to discuss a Florida police officer mortgage or refinance.

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Fire Fighter Community Mortgage Program

".it reminds us how important it is to appreciate what Fire Fighters do.. People who risk their lives to protect us are awfully important people."

Florida Governor Charlie Crist
Reported by Rick Flagg
Capitol News Service
Tallahassee, Florida May 15, 2007

Anyone who was reading the news during Florida's recent rash of wildfires knows how important Florida Fire Fighters are. Who else would do what they do to protect our Florida homes and our lives?

Unfortunately, with higher home prices and belt tightening in Florida's state and local governments, it's not easy for Florida Fire Fighters to afford houses in the communities they protect.

Fortunately, a few lenders have created low cost mortgage programs especially designed for Florida Fire Fighters. It's a simple and smart way to say thank you.

Florida Fire Fighter Mortgages from Capital Lending

We are very proud and honored to be part of the My Community program that offers these discounted Florida Fire Fighter home loans.

Capital Lending Corp. is a Florida mortgage company that has been offering special mortgage programs for Florida Fire Fighters since 2004. Although our mortgage office is in Tampa, Florida, we offer Fire Fighter mortgages statewide.

"With specialized mortgage programs for Florida teachers, veterans, and First Home Time Buyers, it only makes sense for that we need to offer excellent low rate mortgage programs for Florida firemen," says Capital Lending President Chad Lane.

Benefits of the My Community Florida Fire Fighter Mortgage Program

The My Community Florida Fire Fighter home loans include these special features:

• No application fee for any Florida Fire Fighter home loan
• Florida Fire Fighter home loans with A paper rates even with credit dings
• Qualified Florida Fire Fighters can borrow up to 417k using the program
• Low fixed rate loans for Florida firemen with 20, 25, and 30 year terms
• Up to 6% seller paid closing costs allowed on any Florida fire fighter home loan
• Mortgage discounts for city Fire Fighters, county Fire Fighters, and volunteer Fire Fighters with proper documentation
• Zero Credit option for new firemen with no established credit in the bureaus! Don't let a lack of established credit stop you from owning a Florida home!

"We are very proud to serve Florida Fire Fighters and to do whatever we can to make buying a home rewarding and affordable for them," says Lane. "When compared with a traditional mortgage, the savings available in the My Community Fire Fighters loan program can really add up over the life of the mortgage."

If you are a Fire Fighter considering buying a Florida home, please call Capital Lending Corp. toll free at 1-866-924-4111 to discuss the savings available to you by using a Florida Fire Fighter mortgage program.

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