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Titan Home Lending

IT'S TIME TO PURCHASE YOUR NEW HOME

HOW WOULD YOU LIKE TO PURCHASE YOUR DREAM HOME AND WALK INTO EQUITY?

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Andy Wood

owner/broker of Titan Home Lending.
He has been in the mortgage industry for over 32 years.

Andy Wood is your expert for FHA Loans, FHA 203K Renovation Loans (FHA 203k Standard, FHA 203k Streamline and FHA 203H Renovation Loans for disaster repairs) VA Loans, VA Renovation Loan, Conventional Loans, Bank Statement Loans and USDA Loans. He is also one of the Top Originators for manufactured home loans in the State of Florida.

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One of Florida’s leaders in FHA 203K and Fannie Mae^TM HomeStyle Renovation Loans

FHA 203K, VA Renovation and Fannie Mae^TM HomeStyle Renovation Loans are little known and highly misunderstood programs have helped thousands of home buyers purchase properties at below market value, fix them up to make them their own, and walk into instant equity. In a housing market that has constant pressure of people moving to Florida and low inventory, this is the prime market for homebuyers to take advantage of older and obsolete homes that need work, deferred maintenance, changing flood and storm risks. It allows any borrower to have the same power to buy and “Fixer-upper” as a cash investor who competes for the same home.

What is FHA 203K?

The FHA 203(k) Renovation Program (FULL and STREAMLINE) allows for a qualified owner-occupied buyer to purchase or refinance a 1-4 unit family home in “As-Is” condition. The program lends purchase money and repair money in one mortgage, allowing a buyer to close “As-Is”, with all repairs being completed after closing. With bank owned properties, short sale properties, and distressed properties covering over 80% of the market, many sellers do not have funds to repair or maintain the homes they are selling (roof, HVAC, plumbing, electrical, flooring, appliances, painting, landscaping, etc.), quickly making the FHA 203K program is the fastest growing mortgage product in the country!

What is a Renovation Loan?

These four Renovation Programs (FHA, VA, FNMA and Freddie Mac) allow for a qualified owner-occupied borrower to purchase or refinance a 1-4 unit family home in “As-Is” condition for FHA, Fannie Mae or Freddie Mac programs. The VA Renovation Program allows 1-2 unit properties. These programs lend purchase money and repair money in one mortgage, allowing a buyer to close “As-Is”, with all repairs being completed after closing. This makes the buyer’s contract more desirable as the seller makes no repairs prior to closing and allows current home owners to refinance their current loan and add fund to make home repairs, room additions, pool repairs and additions, needed repairs and cosmetic items. With current home sellers occupying their home 12 years or longer and 70% of our homes and properties 25+ years old, many sellers do not have funds to repair or maintain the homes they are selling. Home that need a roof, HVAC, plumbing, electrical, flooring, appliances, painting, landscaping repairs are quickly making renovation loans one of the fastest growing segments in the home purchase financing market.

Why Use Titan Home Lending?

Here's what our clients are saying:

My customer went with a lender who said he had FHA 203k Experience… He had the loan for 3 months and it GOT DENIED! I asked Andy Wood/Titan Home Lending to step in, HE HAD IT APPROVED IN 7 DAYS and CLOSED IN LESS THAN 35 DAYS!

What an incredible experience! I thought the home buying process would be a cumbersome ordeal but everyone I've dealt with at Titan has been superb! Andy's expertise is incredible - he explains everything clearly, is super easy to speak with and always accessible. Christine is the best loan processor ever! She's funny and sweet, quick to reply to my questions and always on top of things. I can't say enough great things about the team at Titan Home Lending. They are professional, efficient, organized and friendly. Thank you everyone at Titan! I appreciate your dedication.

Andy is a miracle worker! We needed a quick close to stay competitive with our offer... using a 203k loan. He assured us it was doable, and he came through! He is so knowledgable about unique loans, accessible to his clients, and great at explaining what needs to be done. I would trust him with any future purchase- highly recommend Andy and Titan Home Lending.

I have worked with Andy Wood from Titan Loans as a vendor partner. He is so knowledgeable about the 203K renovation loan process. I would highly recommend Andy to anyone who is looking for an expert in the mortgage field. Simply The Best

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Licensed Florida Mortgage Brokerage Business NMLS# 973547